Saskatchewan Fertility Treatment Tax Credit (FTTC): 50% Refundable Up to $10,000
Saskatchewan's Fertility Treatment Tax Credit (FTTC) is one of the most generous provincial fertility supports in Canada. It is a 50 percent refundable credit, with a maximum benefit of $10,000 per patient.
How the Credit Works
The FTTC covers 50 percent of eligible fertility treatment expenses, up to a maximum benefit of $10,000. To reach the full credit, eligible expenses would need to total approximately $20,000 across the relevant tax year. The credit is refundable: if your provincial tax liability is less than the credit amount, the difference is paid out to you as a refund.
What Counts as Eligible Expenses
Eligible expenses generally mirror the categories defined under the federal Medical Expense Tax Credit, including IVF cycles, IUI cycles, fertility medications, diagnostic testing, ICSI, embryo storage, and many related services. Critically, travel expenses for out-of-province treatment are typically eligible when treatment is not available in Saskatchewan.
Stacking with Federal Credits
The provincial FTTC can be claimed in addition to the federal Medical Expense Tax Credit. Tracking expenses carefully across the calendar year is critical because both credits depend on receipts.
Out-of-Province Travel Expenses
For patients traveling to receive treatment unavailable in Saskatchewan, eligible travel expenses can include transportation, accommodation, and certain meals. Keep travel receipts, hotel folios, and clinical appointment confirmations together.
Documentation Tips
Keep an organized expense file: clinic invoices, prescription receipts, pharmacy statements, travel receipts, hotel folios, and any embryology lab invoices.
How to Claim
The FTTC is claimed on your Saskatchewan provincial tax return. Most tax software supports the credit. File on time and retain documentation for at least six years in case of audit.
Practical Plan
Track expenses from the moment you begin diagnostic testing. Coordinate employer benefits and provincial credits to avoid double-counting. Saskatchewan's FTTC is a real and meaningful support that significantly reduces the cost of a single cycle for most patients.
Frequently Asked Questions
How much is the Saskatchewan FTTC worth?
The credit is 50 percent of eligible expenses, up to a maximum benefit of \$10,000 per patient.
Is the FTTC refundable?
Yes. You receive the credit as a refund even if your provincial tax liability is less than the credit amount.
Can I claim travel costs to another province for IVF?
Yes. Travel expenses for treatment not available in Saskatchewan are typically eligible.
When did the Saskatchewan FTTC take effect?
The FTTC took effect in March 2025. Eligible expenses incurred from that date forward qualify for the 50% refundable credit, up to a $10,000 maximum benefit per patient.
Can I claim FTTC if I travelled outside Saskatchewan for IVF?
Yes. Travel expenses for out-of-province treatment are typically eligible when treatment is not available in Saskatchewan, following federal medical travel expense rules. Keep all receipts.
Was this helpful?
Your feedback helps us decide what to write next.
Related articles
Information only. Not medical advice. Discuss treatment decisions with your healthcare provider.