lifetime coverage
average/month
eligible to apply
What Clue Plus unlocks
Hugo Marshall · Commercial Director · Clue
Why did FLORA and Clue partner?
We are both female founded — a product for women, by women. We believe in science-backed models, real clinical evidence, and telling it like it is. We believe women deserve more options, not less. And we believe that we are better together.
How do FLORA and Clue work together?
FLORA and Clue have teamed up to offer fertility coverage through the app you already use to understand your cycle. You can start from the Clue app, apply for a FLORA policy online, and once you’re a policyholder, you get Clue Plus for free. That’s immediate value: at FLORA, we want to support you before you even start thinking about planning your family. If you’re already a FLORA policyholder, you’ll get a Clue Plus access code sent your way.
Does FLORA get access to my Clue data? Does Clue have access to my FLORA data?
No. FLORA doesn’t have any access to your Clue data. If you decide to apply for a FLORA policy, you’ll need to answer health and underwriting questions on our online application form. None of your information will be shared with Clue.
What is FLORA fertility insurance?
It’s coverage you buy before you need it, to protect you if you need fertility treatment later in life. Think of it as similar to insuring your phone or your pet: you pay a small monthly premium now (about as much as a Pilates class or two), and if you need fertility treatment later in life, FLORA can help pay for up to $50,000 of your care through reimbursement of your expenses. It works the way any insurance works, for a subset of healthcare that isn’t usually covered.
Who can apply?
Women aged 20 to 34 who live in the US and aren’t currently in fertility treatment or under a fertility specialist’s care are eligible to apply. Once you are approved and bind your policy, coverage lasts to age 45 as long as you continue to pay your premiums.
I have PMOS or another underlying condition. Can I still apply?
Yes. Neither one rules you out on its own. You’ll disclose it during your application, and FLORA’s underwriting team will look at your full picture. What does rule you out for now is being in active treatment, or already seeing a fertility specialist for care.
How much does a FLORA policy cost?
Premiums average around $40/month, based on your age and health profile. Prices can run higher for older applicants or for applicants with certain medical and lifestyle factors. Premiums can be as low as $15/month for people in their early 20s. Your rate is set when you apply and won’t change throughout the life of your policy, except for minor inflationary increases.
What does the coverage include?
Coverage includes diagnostics, medications, IUI, and IVF, along with other approved treatments, up to $50,000 across your lifetime and $10,000 in any single year. You can use any licensed fertility clinic in the US.
Is egg freezing covered?
Elective egg freezing isn’t covered. If you’ve already frozen your eggs (or plan to), you can still apply for a FLORA policy, and your coverage would apply if you need treatment later to use them. Egg freezing is covered when it’s medically required, such as before cancer treatment or if you have a condition that threatens your future fertility.
What if I change jobs or move states?
Nothing changes. You own your policy outright, so it doesn’t matter where you work or live. You can seek treatment from any licensed provider in any state.
How do claims work?
You see the fertility provider of your choice, then submit your claim through FLORA’s platform for reimbursement of approved costs. Most claims are processed within 14 business days.
How long does my policy last?
The first term is 24 months, then it renews every 12 months until you cancel or turn 45. You must continue to pay your monthly premiums for the policy to stay active.
How do I get my Clue Plus access?
Once your policy has been issued, FLORA will email you a redemption link. Whether you’re a brand new Clue user or a longtime member, we’ll cover your Clue Plus premium membership after you become a FLORA policyholder. For existing Clue Plus members, you may access this offer when your existing subscription expires.
