Taking into account the costs for “medications, various trips and missed work days”, Virginie estimates that she has spent an additional $1,000 since the start of her treatments.
“According to my calculations, I am approximately $17,000 in costs,” she estimates. With expenses covered by the public, the total cost of his treatments comes to nearly $31,500. She still has two frozen embryos left, which she can use if she and her partner want another child.
After a 5 and a half year fertility journey, Virginie Bisson and her partner will welcome their first child next October.
Until now, Véronique, Catherine, Virginie and their respective spouses have not needed to take out a financial loan to finance their treatments.
But some couples have to go into debt to hope to realize their dream of starting a family. Laurie Christensen and his partner obtained a loan with Desjardins.
” They we [prêtent] $35,000 per child. If we want a second one, they can give us the same amount back,” explains Laurie. But interest charges are high. With a fixed rate of 8.7% over the entire duration of the contract, which extends over ten years, the interest amounts to more than $15,700. To which must be added approximately $1,600 in loan insurance.
Thus, over the next ten years, Laurie and his partner will have to repay more than $52,300 to their financial institution, or approximately $200 every two weeks over the entire duration of the contract.
“I paid off $28,000 of debt that I had [liées au parcours de fertilité]. So we have $7,000 left that we can use for two next embryo transfers,” explains Laurie.
The financial limits are specific to each of the couples met. And for some, the rubber band will stretch until their child is born. “My limit is the moment when I have a baby in my arms,” says Catherine Lalonde.