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Gaia Family

Financial protection for IVF costs

Overview

Gaia Family provides financial protection for people undergoing IVF by offering a protection fee instead of paying the full treatment upfront. It covers the clinic and pharmacy costs for the planned IVF, ICSI, reciprocal IVF, or donor egg/sperm treatments, with repayment tied to the protection fee; if no child is born after three cycles, the costs are not repaid. Eligibility depends on treatment type, IVF history, and BMI, and surrogacy plans are not offered. The goal is to reduce the upfront financial burden and share the financial risk, making IVF more affordable and accessible.

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About Gaia Family

Simplify's Rating
Why Gaia Family is rated
C+
Rated C on Competitive Edge
Rated B on Growth Potential
Rated C on Differentiation

Industries

Financial ServicesHealthcare

Company Size

201-500

Company Stage

Debt Financing

Total Funding

$137M

Headquarters

London, United Kingdom

Founded

2019

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Simplify's take

What believers are saying

  • Gaia's website says over 1,100 memberships and 1,000s trust its fertility navigators.
  • Updated November 2026 pricing pages add Upstart monthly financing, widening buyer access.
  • Heliad backed Gaia in January 2025, validating investor appetite for fertility-finance models.

What critics are saying

  • Gaia's protections exclude surrogacy, donor egg treatment, and some medications.
  • Monthly financing through Upstart adds credit dependency and default exposure during treatment.
  • Outcome guarantees create adverse selection risk that crushes margins before 2027.

What makes Gaia Family unique

  • Gaia's June 2026 GIVF partnership bundles IVF into fixed-price, outcome-based plans.
  • As of November 2026, Gaia covers 220 U.S. clinics and offers dedicated advocates.
  • Gaia includes unlimited embryo transfers and a second retrieval for failed embryo formation.

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Funding

Total Funding

$137M

Above

Industry Average

Funded Over

4 Rounds

Debt funding comparison data is currently unavailable. We're working to provide this information soon!
Debt Funding Comparison Coming Soon

Benefits

  • Health Insurance
  • Fertility Treatment Support
  • Company Equity
  • Hybrid Work Options
  • Childcare Support
  • Remote Work Options

Growth & Insights and Company News

6 month growth

1%

1 year growth

0%

2 year growth

0%
GIVF Fertility Center
Jun 4th, 2026
GIVF Fertility partners with Gaia: take the financial stress away.

GIVF Fertility partners with Gaia: take the financial stress away. Published On: June 4th, 2026 GIVF Fertility of Fairfax, VA is proud to partner with Gaia, offering fertility care designed around outcomes, not uncertainty. Gaia supports you beyond the bill. As a Member, you receive a clear, personalized plan, built-in financial protection if treatment doesn't go as hoped, and 1:1 support throughout your journey. This includes access to fertility-focused coaching and nutritional guidance. Its partnership is designed to give you more confidence and more chances at success, from day one to day baby. A product for you. No two fertility journeys are the same, and neither is a Gaia Plan. With your Gaia Advocate, you'll build a clear plan around your chosen treatment and clinic, designed to maximize your chances of success. IVF plans include built-in protection like unlimited embryo transfers, with options to bundle medication, genetic embryo testing. Payments. Gaia works directly with GIVF Fertility so that you never see a single invoice. You receive all your treatment for a single, predictable price and choose from flexible payment methods including monthly financing. Gaia Member experience. Every Gaia Member is paired with a dedicated Advocate - a real person who helps you understand your options and supports you at every step. Members also have access to therapy with licensed fertility counselors and nutritional guidance from qualified experts so you're not doing this alone. Next steps. Visit gaiafamily.com to learn more. Its Gaia Advocates are available by phone, text, and email to answer questions and guide you every step of the way. If you're interested in becoming a Gaia Member, simply complete the form at gaiafamily.com to receive free, no-obligation pricing for all available plan options. Your dedicated Gaia Patient Advocate will reach out to help you get started.

Coverager
May 21st, 2026
Gaia raises $100 million credit facility

Gaia has over 1,100 memberships.

Bitcoin World
Jul 23rd, 2025
Gaia Raises $20M for Decentralized AI Phone

Gaia, a decentralized GenAI agent network, has raised $20M in seed and Series A funding to expand its open inference network, develop an open-source toolkit, and launch the Gaia AI Phone. This phone, based on Galaxy S25 Edge hardware, runs AI models locally, enhancing user privacy by keeping data on the device. The funding supports Gaia's vision of decentralized AI, offering more data control and privacy compared to traditional cloud-based models.

Femtech Insider
Jan 27th, 2025
Gaia Secures $14M to Scale Fertility Insurance Platform in US

Fertility prediction and insurance startup Gaia has raised $14 million in funding led by Peter Thiel's Valar Ventures, as Axios reports.

Femtech Insider
Nov 15th, 2024
Gaia Raises $14M for US Expansion

Gaia, a fertility prediction and insurance startup, has secured $14M in funding led by Valar Ventures to expand in the U.S. This follows a $20M Series A in 2022. Gaia offers financial protection plans for IVF, egg freezing, and more, using data to predict treatment success. Operating in 57 U.S. locations, Gaia aims to optimize fertility financial planning. Founder Nader AlSalim highlights the high costs of IVF, which range from $15k to $25k, with success rates of 25% to 40%.

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