IVF multi-cycle packages and refund programs compared (2026)
If you may need more than one retrieval, a package can beat pay-as-you-go by 15–25%. If you only need one, it usually loses. Every program excludes something — read the exclusions column before the price.
| Program | Type | Retrievals | Transfers | Excludes | Eligibility |
|---|---|---|---|---|---|
| ARC 2 Cycle Plus | multi cycle package | 2 | 4 | medications, icsi, pgt biopsy, pgt genetics lab, anesthesia, embryo freezing, storage year1 | no age cap |
| BUNDL 2-cycle (with BUNDL Guard option) | refund guarantee | 2 | unlimited | medications, pgt biopsy, pgt genetics lab, anesthesia, storage year1 | no age cap |
| Sunfish IVF Success Program | refund guarantee | — | unlimited | medications, pgt biopsy, pgt genetics lab | no age cap |
| Future Family 'Baby or Your Money Back' | outcome insurance | 2 | unlimited | — | age ≤37; no prior IVF |
| Gaia IVF plan | multi cycle package | 1 | unlimited | medications, pgt biopsy, pgt genetics lab, consult, diagnostic workup | no age cap |
When each one wins
- ARC 2 Cycle Plus — You plan on 2 retrievals and your clinic participates; note meds, ICSI, PGT, anesthesia and storage are all outside the package.
- BUNDL 2-cycle (with BUNDL Guard option) — You are at a Prelude/Inception network clinic, want unlimited transfers, and value a full refund over lowest sticker price.
- Sunfish IVF Success Program — You are self-pay, want predictability, and would rather have a partial refund than the absolute lowest price.
- Future Family 'Baby or Your Money Back' — You are under 38, have not started IVF before, and would pay ~20% more for a full refund if two cycles fail.
- Gaia IVF plan — You want one predictable bundled price with anesthesia and storage included, unlimited transfers for a year, and a free second retrieval if the first produces no viable embryos.
Questions to ask before signing
- Are medications, ICSI, PGT-A, anesthesia, and storage inside or outside the price?
- What counts as a "cycle" — a completed retrieval, or a started one?
- What is the time window, and what happens if you change clinics?
- For refund programs: what medical screening is required, and what voids the refund?