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Fur baby now

maybe a (human) baby later

With a FLORA fertility insurance policy, you can keep the option open. Plus, plans average less than pet insurance.

Protect your fertility

Fur baby now

maybe a (human) baby later

You already get how this works

You pay a bit each month so a big vet bill never blindsides you. Fertility care is the same idea, just pointed at your own future, and often cheaper than what you already pay for your pet. Same instinct, new priority.

With FLORA fertility insurance, you'll get:

Up to $50k in coverage including diagnostics, medications, IUI, and IVF

Coverage that's yours, not tied to your employer or state - up to age 45

Lorum ipsum

Use any clinic in the U.S.

Treat yourself (to coverage)

FLORA fertility insurance resource for healthcare providers and patients

The first personally-owned fertility insurance. Built for women by women.

PLANNING AHEAD?

SEE IF YOU QUALIFY

PLANNING AHEAD?

SEE IF YOU QUALIFY

PLANNING AHEAD?

SEE IF YOU QUALIFY

You may be a good fit to apply if you are:

A woman aged 20-34

Living in the United States

Proactively planning for your future fertility

Exploring alternative or complements to egg freezing

Without an infertility diagnosis (underlying conditions like PMOS may still qualify)

Not undergoing fertility treatments

ESTIMATE YOUR MONTHLY PREMIUM*

*We only use age for this quick estimate. Medical and lifestyle factors will be considered at time of underwriting. This is an estimate and not a guarantee of coverage or price.

FLORA fertility insurance visual for future family planning and reproductive health coverage

HOW DOES IT WORK?

1

Check if you qualify

A quick eligibility check, done in a few minutes on your own time.

2

Apply and get your rate

Flora is individually underwritten, so we look at your application on its own.

3

You're covered going forward

If you ever need treatment in the future, it's there for you until you turn 45.

Future-proof your maybe

What Flora's policyholders have to say:

I always knew I wanted to be a mom, just not on the timeline I grew up expecting. Where I'm from, the path was set: married by 26, kids by 28. I wanted something different, so I chased travel and built a career first. Working in women's health, I've watched more women turn to fertility support to build the families they want, and I've seen the stress that timeline anxiety creates. Flora is my back pocket plan. It lets me protect my future fertility while I keep living on my own schedule, and I've never felt more free or confident chasing my goals, knowing I can chase the 'mom' title one day too." - Amanda G.

Becoming a Flora policyholder was a no-brainer. I know I want a family someday, I just have no idea when. I'm 25, living in a big city, building a career I care about, with so many places I still want to travel before I start a family. And every Gen Z woman knows the dating scene is hard! I want time to find the right partner instead of making such a personal decision on a timeline I feel pressured to follow.

What I love about Flora is that it lets me plan for the future without planning my whole life today. The policy is mine, so it stays with me as my career, relationships, and life change. I already budget for things that support future-me, from the gym to my savings. Flora costs less than my weekly coffee order, and it means I can plan for a family without deciding anything today. —Sarah G.

Lock it in now, figure it out later

Let's talk about the women who built Flora, and why they created the first personally owned fertility insurance from the ground up...

FLORA was built by a founding team that has spent careers inside insurance, health tech, and women's markets, and got tired of watching fertility fall through the cracks.

Laura McDonald and Dr. Christy Lane are the founders behind FLORA, the first private fertility insurance on the market today. With seven children between them (ages 5-21), they know there is no single path to motherhood. In fact, fertility care and access have become more normalized - and more in demand - than ever before.

PROUDLY FOUNDED AND LED BY WOMEN

Christy has spent decades at the front of women’s health. She co-founded the Stanford Wearable Health Lab, built and sold her own insurtech company, and has spent her career figuring out how data and technology can make healthcare work better for women. She’s a professor, a scientist, and a global leader in health innovation.

She’s also a mom of three, and two of her children were born through IVF. For all her expertise, all the research and the labs and the years spent studying women’s bodies and health systems, she still ended up in the same chair so many women sit in. Facing the emotional and financial weight of fertility treatment without nearly enough support. That’s the reason she started Flora.

Dr.Christy Lane, PhD

Co-Founder & Co-CEO

Laura didn’t go through fertility challenges herself, but she watched a close family member carry the emotional and financial toll. She saw the appointments, the heartbreak, the bills, and the isolation that so often comes with a fertility journey. And she thought, this isn’t good enough. Women deserve better.

Laura brings decades of experience in finance, insurance, and building companies for women. She also has three young adult daughters who give her a daily view into how their generation thinks about health, money, career, and dating, all of which tie back to fertility. She came to Flora from a different personal experience, and the same deep conviction.