With the cost of in vitro fertilisation (IVF) treatment running into thousands of US dollars, it is important to think about how to pay your clinic if you have IVF treatment abroad. You also need to make sure that any money you do pay is safe. You may find that any medical insurance that you hold, or that is provided by your employer, may cover some of the costs, but this is not always the case. You will inevitably end up parting with a substantial amount of your own cash.
One of the best ways to protect your investment in IVF treatment is to use a medical tourism agency based in your home country. This not only gives you the convenience of paying in your own currency, avoiding international bank charges and currency conversion fees, but also means that your payments for IVF treatment will be subject to your own country’s laws should anything go wrong. Using a medical tourism company also has the advantage that you can pay for everything in one go, from travel and accommodation to the IVF treatment itself.
Another way to protect your investment in IVF treatment abroad is to pay by credit card. This gives you added protection, and if your treatment does not live up to expectations, you may be able to get a refund from your card company more easily than from a fertility clinic in a foreign country.
Whatever the circumstances, you should never pay for your IVF treatment until you are sure of what you are getting and have checked out your chosen clinic thoroughly. You should have a signed and binding contract before you are asked for any payment.
To help spread the cost of payment, some fertility clinics offer a payment plan, or have an associated finance company that can help you. Always check the interest rates charged by such organisations, however, as it may be cheaper, and safer, to get a personal loan back home to cover the cost of your IVF treatment.