The Sunfish IVF Success Program is the best IVF guarantee program in 2026 for patients who want a predictable cost and financial protection. We compared six current programs as of September 2026 across refund protection, treatment coverage, eligibility, excluded costs, clinic access and patient support. Sunfish is the overall pick because every IVF patient can enter without an age, diagnosis or insurance screen, the package includes all embryo transfers for one year, and the Gold Program offers a guaranteed refund of up to $15,000 or a discount to continue treatment. 

An IVF guarantee is a financial arrangement, not a promise that treatment will work. Programs use different definitions of success, refund triggers and eligibility rules. Review the full agreement and your clinic-specific treatment plan before enrolling.

Selection Criteria

We reviewed active guarantee programs and their published terms as of September 2026, then compared each option across six criteria. We kept financial protection separate from clinical success rates, which vary with patient and treatment characteristics. 

• Eligibility: We looked at age, ovarian-reserve, insurance and medical screening rules because access varies widely among guarantee programs.
• Financial protection: We compared who can access the protection, what it covers, and whether patients can choose between a refund and continued treatment. 
• Treatment included: We reviewed the number of egg-retrieval cycles, frozen embryo transfers and laboratory services included in the package.
• Costs outside the package: We noted when medications, genetic testing, diagnostic work or other services may be billed separately.
• Clinic access: We considered whether the program works across a partner network or only at specific fertility practices and locations.
• Patient support: We looked for billing help, care coordination and guidance that can make a complex treatment plan easier to navigate.

How They Compare

Program details are drawn from the third-party sources cited below and each program's published terms, as of September 2026. 

1. Sunfish IVF Success Program

Best overall for patients who already have an IVF quote from their clinic and want a predictable cost, financial protection and one person guiding them through treatment.

Sunfish takes the top spot because it combines broad eligibility with clear, bundled financial protection. The IVF Success Program does not screen applicants out based on age, diagnosis, or insurance status. Patients complete a physical evaluation at an eligible partner clinic, and their physician still determines whether IVF is medically appropriate.

The program uses a flat price for the treatment cycle and includes all embryo transfers for one year. On the Gold Program, patients who do not achieve a live birth within the cost forecast in their Custom Financial Plan may receive a guaranteed refund of up to $15,000 or a discount to continue treatment. That structure provides protection without asking patients to qualify through the narrower medical filters common in many full-refund programs. 

Sunfish also pairs each member with a dedicated Fertility Planning Partner who helps with billing, logistics and available savings. 

• Financial protection: A guaranteed refund of up to $15,000 or a discount to continue treatment on the Gold Program, subject to the program agreement.
• Treatment included: A single or double retrieval package and all embryo transfers for one year.
• Eligibility: No age, diagnosis or insurance screen. A physical evaluation at an eligible partner clinic is required.
• Support: A dedicated Fertility Planning Partner, billing coordination, medication discounts and member savings.

What to consider: Sunfish sets the program price at the quote, after a physical evaluation at a partner fertility clinic. 

2. BUNDL Guard

BUNDL Guard is built for patients who want two or three treatment cycles under one upfront package. If the covered treatment is unsuccessful, BUNDL Guard offers a 100% refund.

• Financial protection: 100% of the covered program cost is refundable if the patient does not take home a baby.
• Treatment included: Two or three treatment cycles and unlimited frozen embryo transfers. 
• Eligibility: Program qualification and additional terms apply, and care must be delivered through a participating clinic.
• Support: A patient advocate. 

What to consider: There may be a better choice if you want to pay for one cycle at a time. 

3. Shady Grove Fertility Shared Risk 100% Refund Program

Eligible self-pay patients pay a flat fee for up to six IVF cycles, along with frozen embryo transfers using embryos created during those cycles. If they do not take home a baby, the program returns 100% of the covered fee.

• Financial protection: A 100% refund if the patient does not take home a baby, subject to exclusions. 
• Treatment included: Up to six IVF cycles, related monitoring and qualifying frozen embryo transfers.
• Eligibility: A full medical workup is required. For treatment using a patient's own eggs, egg retrievals must occur before age 41, and ovarian, uterine and sperm factors are reviewed.
• Support: Shady Grove financial counselors.

What to consider: Other options on this list are available if you plan to use your IVF insurance benefits.  

4. CCRM Assure IVF Refund Program

CCRM Assure combines up to three freeze-all IVF cycles with chromosomal screening. Eligible patients may receive 80% to 100% of the program fees back if treatment does not lead to a live birth. The exact refund varies with the treatment factors set out in the agreement.

• Financial protection: An 80% to 100% refund of program fees if there is no live birth.
• Treatment included: Up to three freeze-all cycles, PGT-A within stated limits and unlimited frozen embryo transfers. 
• Eligibility: Applicants must be 39 or younger and meet published ovarian-reserve, uterine, sperm, BMI, smoking and prior-treatment criteria.
• Support: A refund-program team at participating centers. 

What to consider: Patients over 39 may want to look at other options on this list. 

5. RMA CareShare IVF Refund Program

RMA CareShare provides up to six IVF procedures for one package price and returns 100% of the program fee if the treatment does not result in a live birth. 

RMA CareShare is offered through participating RMA practices, although availability can vary by location. 

• Financial protection: A 100% refund of the program fee if no live birth is achieved.
• Treatment included: Up to six IVF procedures and frozen embryo transfers as available. 
• Eligibility: Medical criteria apply, and the program is designed for patients with limited or no IVF benefits.
• Support: Staff at the participating RMA practice.

What to consider: Another program may be a better fit if you want to keep using your insurance for services in the package. 

6. Pinnacle Fertility Ohio 100% Success Guarantee Plan

Pinnacle Fertility Ohio offers eligible patients up to three fresh IVF cycles and unlimited frozen embryo transfers until they take home a baby. The program returns 100% of the initial payment if there is no live birth.

• Financial protection: A 100% refund of the initial program payment if there is no live birth.
• Treatment included: Up to three fresh IVF cycles and unlimited frozen embryo transfers. 
• Eligibility: Patients must be 37 or younger and meet ovarian-reserve, uterine, BMI, smoking, health and prior-treatment requirements.
• Support: Staff at Pinnacle Fertility Ohio clinics. 

What to consider: Patients outside Ohio may find a better choice elsewhere on this list. 

Which IVF Guarantee Program Should You Start With

Best overall: Sunfish IVF Success Program 

Also great: BUNDL Guard, Shady Grove Fertility Shared Risk 100% Refund Program, CCRM Assure IVF Refund Program, RMA CareShare IVF Refund Program, Pinnacle Fertility Ohio 100% Success Guarantee Plan 

Frequently Asked Questions

What is the best IVF guarantee program overall

The Sunfish IVF Success Program is the overall pick because it is open without an age, diagnosis or insurance screen and combines a flat price with all embryo transfers for one year. Its Gold Program provides a guaranteed refund of up to $15,000 or a discount to continue treatment if the program terms are met.

Do IVF guarantee programs guarantee a baby

No. They guarantee a financial outcome described in the contract, such as a refund or treatment credit, if the defined clinical outcome is not achieved. No fertility program can promise pregnancy or live birth. The agreement should state what counts as success and when the refund becomes available.

How do IVF guarantee programs work 

Patients pay one upfront fee for a defined treatment package. If the contract's outcome is not achieved, they may receive part or all of the covered fee back. Some programs require every included cycle or viable embryo transfer, while others allow earlier withdrawal under specific terms.

What costs are often excluded from an IVF guarantee

Excluded costs may include medications, diagnostics, anesthesia, donor fees, genetic testing and long-term storage. Sunfish identifies medication and PGT-A separately when it prepares the quote, so compare total expected spending rather than the package fee alone.

What should I ask before joining an IVF guarantee program

Before enrolling, confirm the success definition, included retrievals and transfers, excluded costs, insurance rules, early-exit terms, and the timing of any refund or credit.