Thailand PGT IVF Payment Schedule and Refund Policies: A Checklist for Patients

Most PGT IVF payment schedules in Thailand are built around milestones rather than a single upfront bill. You will usually be asked for a deposit to secure your place in a treatment cycle, followed by staged payments as you move through stimulation, egg retrieval, embryo culture, biopsy and genetic testing. Refund and cancellation terms vary widely between clinics and are often tied to how far your cycle has progressed. Because no two clinics structure this the same way, the safest approach is to ask for the written payment and refund policy before you pay anything, and to compare quotes on the same terms rather than on the headline number alone.

At a glance

• Expect a deposit, then milestone payments rather than one lump sum.
• PGT adds laboratory and genetic testing costs on top of standard IVF.
• Refund terms usually depend on the stage you have reached when you cancel.
• Ask what is refundable, what is non-refundable, and what is transferable.
• Get the payment schedule and refund policy in writing before you commit.

Why payment schedules matter in PGT IVF

PGT IVF involves more steps than a standard IVF cycle, and each step can carry its own cost. That is why clinics tend to bill in stages. A deposit reserves your slot and covers initial coordination. Later payments may be linked to medication, monitoring scans, the retrieval procedure, embryology work, the biopsy itself, and the genetic laboratory analysis. Understanding this structure helps you plan cash flow, avoid surprises, and ask better questions when you compare clinics.

It also matters because a cycle can stop at different points. If stimulation does not produce the expected response, or if no embryos reach the testing stage, the remaining steps may not happen. Whether you are refunded, credited, or charged for work already done depends entirely on the clinic’s written terms.

Typical cost components behind a PGT IVF quote

When you receive a quote, it helps to break it into categories. Ask the clinic to itemise each one and state clearly whether it is included, optional, or billed separately.

• Consultation and pre-treatment assessment — initial review, baseline testing and any repeat investigations.
• Medication — stimulation drugs and supporting medication, which can vary with dose and duration.
• Monitoring — scans and blood tests during stimulation.
• Egg retrieval and laboratory work — the procedure, sedation, and embryology through to embryo development.
• Embryo biopsy — the sampling step that prepares embryos for genetic testing.
• Genetic testing (PGT) — the laboratory analysis itself, which may be priced per embryo or per batch.
• Embryo freezing and storage — often charged separately and sometimes recurring.
• Transfer — a later cycle step that may be billed separately from the testing phase.
• Administration and coordination — some clinics include this, others list it.

Because these categories can be bundled or split in different ways, two quotes that look similar may not cover the same things. Always ask what is excluded.

How staged payments usually work

While exact amounts and timing differ by clinic, the general shape of a staged schedule is often similar. Treat this as a framework for questions, not as a fixed rule.

1. Deposit to reserve your cycle. This is often requested early and may be partly or fully non-refundable.
2. Payment before stimulation begins. Some clinics collect the medication and monitoring portion here.
3. Payment around retrieval. The procedure and initial laboratory work may be billed at this stage.
4. Payment for biopsy and genetic testing. This may be charged when embryos are sent for analysis, sometimes per embryo.
5. Payment for transfer or freezing. A later stage, often billed separately.

Ask the clinic to map your specific schedule to these stages in writing, including the currency, the exchange-rate assumption if you are paying internationally, and the accepted payment methods.

Deposits: what to confirm before you pay

A deposit is usually the first commitment you make, so it deserves careful reading. Ask:

• Is the deposit refundable, partly refundable, or non-refundable?
• Does it count toward the total cycle cost, or is it a separate reservation fee?
• Can it be transferred to a later cycle or to another person?
• What happens to the deposit if the clinic changes your dates?
• What happens if your medical assessment changes your eligibility for the planned cycle?

Refund and cancellation terms: the questions that matter

Refund policies are where clinics differ most, and where patients most often feel uncertain. Rather than assuming a standard, ask directly and get answers in writing.

• At which stage does the cycle become non-refundable?
• If the cycle is cancelled for medical reasons, what is refunded and what is retained?
• If the cycle is cancelled for personal reasons, how does that differ?
• If no embryos reach the testing stage, are laboratory or testing fees refunded or credited?
• Are genetic testing fees charged per embryo, and are they refunded if testing cannot proceed?
• Are there administrative or cancellation fees, and how are they calculated?
• How long do refunds take to process, and in what currency are they returned?
• Who bears currency exchange differences or bank transfer fees?

If a clinic cannot answer these clearly, that is useful information in itself.

Comparing quotes: a like-for-like checklist

To compare clinics fairly, put their quotes side by side using the same categories. A simple table can help you see what is included and what is not.

Item to compare	What to ask
Deposit	Amount, refundability, transferability
Medication	Included or separate; what if dose changes
Monitoring	Number of scans included; cost of extras
Retrieval and laboratory	What is bundled; what is billed per procedure
Biopsy and PGT	Per embryo or per batch; refund if not performed
Freezing and storage	Initial period included; ongoing storage terms
Transfer	Included in cycle or billed separately
Cancellation	Stage-based refund rules; admin fees
Payment methods	Currency, transfer fees, timing

Use the same questions for every clinic so you are comparing equivalent packages.

What can change a quote

Even a detailed quote may change once treatment begins. Common reasons include:

• Your medication dose or duration differs from the estimate.
• Extra monitoring or additional procedures are needed.
• The number of embryos available for biopsy or testing differs from expectations.
• Testing is repeated or extended.
• Embryos are frozen and stored for longer than an included period.
• Transfer is postponed to a later cycle.

Ask how each of these scenarios is billed, and whether you will be notified before additional charges are incurred.

Practical questions to ask any clinic

• Can you send the full payment schedule and refund policy in writing before I pay a deposit?
• Which costs are fixed and which are estimates?
• What is the process if I need to cancel or postpone?
• Are there any costs not included in this quote that I should plan for?
• How and when will I be told about additional charges?
• What currency will I be billed in, and who covers transfer fees?

Next-step checklist

1. Request the written payment schedule and refund policy from each clinic you are considering.
2. Map each quote to the same cost categories using the table above.
3. Confirm deposit refundability and transferability in writing.
4. Ask specifically about cancellation at each stage of the cycle.
5. Clarify how PGT testing is priced and what happens if testing cannot proceed.
6. Check payment methods, currency and any transfer fees.
7. Keep a copy of all terms and correspondence.

For more context on treatment and planning, see our guides on PGT in Thailand and IVF cost in Thailand. You can also explore patient resources or contact us with questions.

Frequently asked questions

Is the deposit for PGT IVF in Thailand usually refundable?

It varies by clinic. Some deposits are fully or partly refundable, while others are non-refundable reservation fees. Ask for the deposit terms in writing before you pay, including whether it can be transferred to a later cycle.

What happens to my payment if my PGT IVF cycle is cancelled?

Refund terms usually depend on the stage you have reached. Costs for work already completed, such as medication, monitoring or laboratory steps, are often retained. Ask the clinic to explain its stage-by-stage cancellation policy in writing before you begin.

Are PGT testing fees charged per embryo?

Some clinics charge per embryo and others charge per batch or cycle. Ask how testing is priced, and what happens to those fees if no embryos reach the testing stage or if testing cannot proceed.

How can I compare PGT IVF quotes from different clinics fairly?

Ask each clinic to itemise the same cost categories, such as deposit, medication, monitoring, retrieval, biopsy, genetic testing, freezing and transfer. Then compare what is included, what is excluded, and the refund terms for each stage.

Can the final cost be higher than the original quote?

Yes, it can change if your medication dose, monitoring needs, number of embryos tested, or storage duration differ from the estimate. Ask how additional charges are communicated and whether you will be notified before they are incurred.

Continue your research

• PGT in Thailand overview
• IVF cost planning
• Patient resources

Medical information notice: This article is educational and does not replace individual assessment, diagnosis, genetic counselling or treatment advice from a licensed clinician. Provider services, availability, fees and policies should be verified directly before booking.