How much does IVF in Greece really cost in 2026?

The question of cost always comes up, and it comes up early on. My answer is always in two parts: first, the cost range for the treatment itself; second, everything else involved that the clinics’ ‘pricing’ pages don’t show. It’s the second part that makes the difference between sticking to your budget and facing an unpleasant surprise.

Price ranges by treatment protocol in 2026

The prices below are indicative, sourced from licensed clinics in Athens and Thessaloniki. They vary depending on the clinic, the laboratory and any additional techniques used.

• IVF or ICSI using your own eggs: 3,000 to 5,000 euros, with ICSI included in most packages. The major clinics in Athens quote 3,000 to 3,400 euros for this package.
• IVF with donated eggs: 5,000 to 8,000 euros for a full cycle, including the donor’s compensation and her medical examinations.
• Double donation (eggs and sperm): add €500 to €1,000 for donor sperm.
• Frozen embryo transfer (FET): €900 to €1,800, including endometrial preparation but excluding medication.
• Oocyte freezing: 2,300 to 3,500 euros per cycle, plus 300 to 500 euros per year for storage.
• Pre-implantation genetic testing (PGT-A): €1,500 to €3,500 depending on the number of embryos. Some clinics only offer this as a package deal: in which case, expect to pay around €8,000 for IVF with genetic testing.

What the quote includes, and what it almost never includes

A standard quote includes the consultation, on-site monitoring of ovarian stimulation, egg retrieval under sedation, fertilisation, embryo culture and embryo transfer. Here’s what you should always check:

• Stimulation medication: €800 to €1,500 for a cycle using your own eggs, €200 to €400 for endometrial preparation alone in the case of egg donation. These costs are almost always excluded from the quote. If purchased in France with a prescription, they may be partially reimbursed in certain cases.
• Freezing of surplus embryos and the first year’s storage: €400 to €800.
• Compulsory tests: recent serological tests, smear tests, semen analysis, karyotyping in some cases. If carried out in France, they are reimbursed; if carried out locally, they are added to the quote.
• Anaesthesia: sometimes charged separately, 200 to 400 euros.
• Additional techniques: extended culture, assisted hatching, time-lapse, embryo glue. Each adds between 200 and 600 euros. Not all of these will be necessary in your case; do ask.

Costs outside the clinic

This is the part I work out with each patient, as it depends on the treatment protocol and the city. For an embryo transfer using donated eggs in Thessaloniki, allow for two to four nights’ hotel accommodation (70 to 130 euros per night in a mid-range hotel), flights from France (150 to 400 euros per person depending on the season), meals and local transport. For IVF with egg retrieval, you should plan for five to seven nights. Details of the stays can be found here.

If you use an independent coordinator like me, there’s an additional cost: my fees are set per case, provided in writing before any commitment is made, and do not depend on the clinic chosen. I’d rather state this here than leave you to guess.

An example of a full budget

Couple, egg donation, Thessaloniki, three nights, no additional procedures: treatment €6,000, medication €300, freezing of remaining embryos €500, flights €500, hotel €300, meals and taxis €250. Total: approximately €7,850. A second attempt via IVF, if embryos are frozen, would then cost between 1,500 and 2,500 euros all-inclusive.

Comparison with France and Spain

In France, four attempts are 100 per cent reimbursed up to the age of 43: if you are eligible and the timeframe suits you, nothing beats this system. In Spain, an egg donation costs between 6,500 and 9,500 euros, which is significantly more than in Greece, for comparable success rates. A detailed comparison can be found here.

How to check a quote

Ask for a written quote, in euros, itemised line by line, with an explicit statement of what is not included. Ask for the price of a subsequent IVF cycle and the annual storage fee. Finally, ask about the policy in the event of cycle cancellation (insufficient response to stimulation, no embryos): some clinics offer a partial refund, others do not. A clinic that refuses to answer these questions in writing is not one I would refer you to.

Frequently asked questions

Source: https://fertilitegrece.com/en/blog/ivf-cost-greece-2026/ — Triada Baloukoudis, IVF patient coordination in Greece. General information, not medical or legal advice. Printed on