Unlimited IVF transfer programs: what’s actually included
Unlimited IVF transfer programs put your embryo transfers under one price, so you’re not paying per transfer. Each program sets its own time limit and rules, so it’s worth checking what’s included. With Sunfish, all single embryo transfers are included for up to a year, at one flat price.
What does all embryo transfers included mean?
It means one price covers a set course of treatment, embryo transfers included. You are not billed again each time a transfer is scheduled.
Programs differ on three things: the length of the window, which transfers are included, and what happens if a retrieval cycle produces no viable embryos. The agreement you sign defines all three, and it is the document to read before you commit.
Sunfish includes all single embryo transfers at no additional cost for one year. A new retrieval cycle sits outside that window and is priced separately.
Why Sunfish?
Lower medication costs
Sunfish members receive discounted fertility medications through partner pharmacies with a lowest-price guarantee, plus additional savings during your cycle and on long-term egg or embryo storage, saving patients up to $9,000 per cycle.
All embryo transfers included
Yes, you read that right. All single embryo transfers are included at no additional cost for one year at one fixed price, removing the financial pressure of paying for each attempt and giving you the freedom to keep trying.
All-inclusive pricing
Our IVF Success Program packages your treatment into one personalized flat fee, including options for donor egg and sperm, reciprocal IVF, and more. You know the cost upfront with no surprises.
Partial refunds
If a live birth is not achieved within the cost that Sunfish’s software predicted for your plan, eligible patients may receive a partial refund of up to $15,000 or a discount to continue treatment, helping reduce the financial risk while you pursue your path to parenthood.¹
What the Sunfish IVF Success Program includes
Sunfish’s IVF and egg freezing Success Programs are packages a patient buys outright at a partner fertility clinic, for a price quoted before treatment begins. A personalized Planning Partner walks you through it.
All single embryo transfers at no additional cost for one year
Frozen embryo transfer, with in-cycle monitoring by bloodwork and ultrasound
Embryology services, including embryo thaw and prep and assisted hatching
Embryo freezing, with 12 months of storage from your retrieval cycle
Zero exclusions and 100% eligibility, with no cutoff by age, diagnosis, or insurance status
Sunfish accepts patients into its IVF Success Program at 100% eligibility, with no exclusions on age, diagnosis, or insurance, where many IVF programs screen applicants out by age or health data. The standard package price is the same regardless of a patient’s medical profile.
IVF with Sunfish was completely different from our prior attempt. My wife, 40, loved the care packages. The bills were handled and the preparation guides helped me be a better partner. After 3 transfers, all included in our bundle, we’re expecting our son!
Paying per transfer vs. multi-cycle packages vs. all transfers included
How transfers are handled is one part of how an IVF program is priced. Here’s what differs by model.
A new bill for every attempt
You pay for each retrieval and each transfer as it happens. Most people need 3 transfers to have a 95% chance of success, and each additional transfer can cost $4-6k.
A set number of attempts, counted
You pay one price for a set number of attempts. Once you reach that count, further transfers are priced again.
Every single embryo transfer in the window included
You pay one flat price and the transfers inside the window are included, with no count to run down. Sunfish includes all single embryo transfers for up to a year, and Gold adds a guaranteed refund of up to $15,000 if you are unsuccessful.¹
With Sunfish, your partner clinic delivers the care, and all single embryo transfers are included for up to a year.
IVF Success Program details
- Egg retrieval & anesthesia
- Embryology services (fertilization & embryo culture)
- Embryo freezing (cryopreservation & 12 months embryo storage)
- In-cycle monitoring (bloodwork & ultrasounds, baseline)
- Cycle management
- Most people need 3 transfers to have a 95% chance of success. All single embryo transfers are included at no additional cost.
- Frozen embryo transfer
- In-cycle monitoring (bloodwork & ultrasounds)
- Embryology services (embryo thaw & prep, assisted hatching)
- Dedicated financial planning partner for billing support
- Regular check-ins to guide you through each stage of IVF
- Educational resources, easy-to-follow guides, evidence-based digital tools
- Guaranteed refund of up to $15k if you don’t go home with a baby.
- We guarantee the lowest-price match on medications and injections through Sunfish partner pharmacy
- Discounts on embryo and egg storage and transport
- Discounts on prenatal vitamins, mental health support, vaginal microbiome testing kits & many more
¹ As part of the Sunfish IVF Success Program, Sunfish provides a Custom Financial Plan using Sunfish’s proprietary software that calculates the expected financial costs for each family to achieve a Live Birth based on a range of factors. If you fail to achieve a Live Birth within your custom financial plan budget and there are unexpected financial costs that were not accurately predicted by the Financial Planning Tool, our software Warranty may entitle you to receive a partial refund of your treatment package costs. Additional costs may be incurred outside of the Treatment Package Costs. See our Sunfish IVF Success Program Agreement for conditions and details.
² APR (Annual Percentage Rates) offered via our lending partner as of Nov 14, 2025, 0% APR for first 6 months.
Sunfish’s IVF Success Program is a great option for anyone who is looking for peace of mind as they pursue IVF. This program can help them reduce their financial stress during their fertility journey.
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FAQs
Find answers to all your assisted fertility related questions here.
All single embryo transfers of your eligible embryos, for up to a year. The included transfers end when a year has passed or all your eligible embryos have been transferred, whichever comes first. Your package terms set the exact dates.
Not for another embryo transfer within your included year.
At a clinic, if a transfer doesn’t work, the next attempt is usually another four-figure bill. If your retrieval cycle itself is unsuccessful, a new retrieval cycle is a separate cost and isn’t included.
If you are unsuccessful, Gold members may receive a guaranteed refund of up to $15,000, or a discount to continue treatment.¹
A new egg retrieval cycle is priced separately and sits outside the included transfers. Sunfish’s Success Programs include the IVF or egg freezing cycle at one flat price, which excludes medication and PGT-A genetic testing; medication comes from Sunfish partner pharmacy with a guaranteed lowest-price match.
Costs incurred outside your Treatment Package, including care your clinic bills independently, are also separate.
Your Sunfish IVF Success Program Agreement lists the full set of conditions.
Clinically, that is a question for your fertility clinic. Sunfish is not a medical provider, and your physician decides whether IVF makes sense for you.
Sunfish doesn’t screen anyone out by age, diagnosis, or insurance. You complete a physical evaluation at an eligible IVF clinic, and that clinical data shapes the refund available on the Gold Program, not your package price.
Full eligibility terms are in the Sunfish IVF Success Program Agreement.
Both tiers share the flat-fee package, all single embryo transfers included for up to a year, a guaranteed lowest-price match on medications through the Sunfish partner pharmacy, no hidden costs, and regular check-ins.
Gold adds exclusive evidence-based resources including videos, articles, and easy-to-follow guides. Savings on long-term egg and embryo storage and transport, at-home wellness IVs, one-on-one mental health coaching, and more, plus a guaranteed refund of up to $15,000 or a discount to continue treatment if you are unsuccessful.¹
Flexible payment options include monthly plans starting at 0% APR², split payments across multiple payment methods, and loans up to $50,000.
Some lenders charge an origination fee folded into the APR, no lender guarantees approval, and loan availability varies by state.
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