How Much Does Artificial Insemination Cost? [2025 Guide]

If you’re considering artificial insemination, one of the first questions you’ll likely ask is: How much will it cost? And more importantly: What’s actually included—and will I need more than one cycle?

At fertie, we believe in giving you clear answers with zero judgment. Whether you're doing IUI solo, with a partner, or through a fertility clinic, understanding the financial side of the process can help you feel more prepared—and more empowered to plan your next steps.

What Is Artificial Insemination?

Artificial insemination typically refers to IUI (Intrauterine Insemination)—a procedure where washed sperm is inserted directly into the uterus during ovulation to increase the chances of fertilisation.

It’s often recommended for:

• Mild male factor infertility

• Unexplained infertility

• Same-sex couples or solo parents using donor sperm

• Couples wanting to try a less invasive, lower-cost option before IVF

Average IUI Costs by Country (2025)

Prices vary widely depending on where you live and whether you're using donor sperm, medications, or doing a natural cycle. Here’s a general breakdown:

United Kingdom

• Basic IUI cycle: £800 – £1,200

• With monitoring + medications: £1,200 – £2,000

• Donor sperm (if needed): £800 – £1,000 extra per vial

Spain / Portugal

• Basic IUI: €800 – €1,300

• With medications and donor sperm: €1,300 – €2,000

USA

• Basic IUI (clinic-based): $1,000 – $2,000 USD per cycle

• With monitoring + meds: $2,500 – $4,000 USD

• Donor sperm: $500 – $1,000 USD per vial

On average people need 2–4 cycles before conceiving with IUI.

What’s Usually Included?

A basic IUI cycle typically includes:

• Pre-cycle consultation

• Ultrasound or ovulation tracking

• Sperm preparation ("washing")

• Insemination procedure

Not always included:

• Bloodwork or fertility testing

• Medications (like Clomid or Letrozole)

• Donor sperm

• Follow-up care

Always ask for an itemised breakdown so you know what to expect financially.

Can Insurance Cover It?

UK:

• IUI may be covered under the NHS in some regions—but it’s not guaranteed

• Private clinics are the most common route

USA:

• Some insurance plans cover IUI, especially if you’ve been trying for over a year

• Check your state and provider-specific fertility benefits

Spain / Portugal:

• Public system may offer IUI for eligible patients

• Private clinics are commonly used for faster timelines or access to donor sperm

Final Thoughts

Artificial insemination (IUI) is one of the most accessible fertility treatments available—but it can still come with significant costs, especially if you need more than one cycle or use donor sperm.

Understanding what’s included—and how to budget—can take away some of the overwhelm and help you move forward with confidence.

👉 Inside our Fertility 101 course, we walk you through fertility treatment options like IUI, how to prepare for each step, what to ask your clinic, and how to emotionally and financially plan for the road ahead.

You’re not alone—and your next step doesn’t have to feel like a leap.

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• Expert-led courses

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Disclaimer: Prices and treatment protocols vary by clinic and individual. Always consult with your fertility specialist for accurate, up-to-date pricing and guidance tailored to your situation.