SAVE FOR A SUNNY DAY. PLAN FOR A FAMILY SOMEDAY.
SAVE FOR A SUNNY DAY. PLAN FOR A FAMILY SOMEDAY.
SAVE FOR A SUNNY DAY. PLAN FOR A FAMILY SOMEDAY.
Up to$50,000in fertility coverage
Up to$50,000in fertility coverage
Up to$50,000in fertility coverage
As a Sunny Day Fund saver, you can now apply for FLORA, the first fertility insurance you buy for yourself and own outright.
As a Sunny Day Fund saver, you can now apply for FLORA, the first fertility insurance you buy for yourself and own outright.
- Up to $50,000 in fertility coverage
- Premiums average around $40/month
- Coverage that’s yours, wherever you work or move
- Up to $50,000 in fertility coverage
- Premiums average around $40/month
- Coverage that’s yours, wherever you work or move
- Up to $50,000 in fertility coverage
- Premiums average around $40/month
- Coverage that’s yours, wherever you work or move
- Up to $50,000 in fertility coverage
- Premiums average around $40/month
- Coverage that’s yours, wherever you work or move
- Up to $50,000 in fertility coverage
- Premiums average around $40/month
- Coverage that’s yours, wherever you work or move
- Up to $50,000 in fertility coverage
- Premiums average around $40/month
- Coverage that’s yours, wherever you work or move
- Up to $50,000 in fertility coverage
- Premiums average around $40/month
- Coverage that’s yours, wherever you work or move
- Up to $50,000 in fertility coverage
- Premiums average around $40/month
- Coverage that’s yours, wherever you work or move
- Up to $50,000 in fertility coverage
- Premiums average around $40/month
- Coverage that’s yours, wherever you work or move
- Up to $50,000 in fertility coverage
- Premiums average around $40/month
- Coverage that’s yours, wherever you work or move
- Up to $50,000 in fertility coverage
- Premiums average around $40/month
- Coverage that’s yours, wherever you work or move
- Up to $50,000 in fertility coverage
- Premiums average around $40/month
- Coverage that’s yours, wherever you work or move
Is FLORA a fit for you?
Is FLORA a fit for you?
Is FLORA a fit for you?
FLORA’s proactive fertility insurance is built for women planning ahead. You’re eligible to apply if you’re:
Get to know FLORA fertility.
FLORA is the first proactive fertility insurance you can buy for yourself and own outright.
FLORA is the first proactive fertility insurance you can buy for yourself and own outright.
Here’s how it works:
Here’s how it works:
Eligibility
20
20
20
to
to
to
34
34
34
Eligibility
Eligibility
Apply between ages 20 and 34 and living in the US.
Lock in your rate
$
$
$
40
40
40
/month
/month
/month
Lock in your rate
Lock in your rate
Around $40 a month on average, set when you apply.
Use it later if you need it
$
$
$
50K
50K
50K
Use it later if you need it
Use it later if you need it
Up to $50,000 for fertility care, with coverage to age 45.
Coverage kicks in after an infertility diagnosis from a licensed fertility specialist. FLORA covers diagnostics, medications, IUI, and IVF at any licensed fertility clinic in the US.
Coverage kicks in after an infertility diagnosis from a licensed fertility specialist. FLORA covers diagnostics, medications, IUI, and IVF at any licensed fertility clinic in the US.
How long could you be covered?
How long could you be covered?
How long could you be covered?
If you apply at age 27 that’s up to
18
years of coverage
to age 45 until 2044
Once you’re approved and your policy is active, coverage lasts to age 45 as long as you keep paying your premiums.
If you apply at age 27 that’s up to
18
years of coverage
to age 45 until 2044
Once you’re approved and your policy is active, coverage lasts to age 45 as long as you keep paying your premiums.
Why we partnered with FLORA
“
“
Sunny Day Fund exists to help people feel more confident about money, by having savings they can count on when they need it. Fertility care is one of the hardest costs to plan for, because you usually don’t know if you’ll need it, until you do. We partnered with FLORA so savers have one more way to build up and plan for the future they want.
Sunny Day Fund exists to help people feel more confident about money, by having savings they can count on when they need it. Fertility care is one of the hardest costs to plan for, because you usually don’t know if you’ll need it, until you do. We partnered with FLORA so savers have one more way to build up and plan for the future they want.
Your savings and your coverage, side by side
They do different jobs, and they work well together.
They do different jobs, and they work well together.
FLORA coverage
For the treatment itself
FLORA pays for diagnostics, medications, IUI, and IVF after an infertility diagnosis, up to $50,000 lifetime coverage.
Your Sunny Day Fund
For everything around it
Set money aside toward a family-building goal at your own pace. It’s there whenever you need it, for the costs coverage doesn’t touch, like travel to a clinic or time off work.
How to apply
Apply online.
Answer a short set of health questions. It takes about 7 minutes.
Get your decision.
FLORA reviews your application and emails you.
Activate your policy.
Once accepted, move forward with your policy and make your first monthly payment. Your rate is set for the life of your policy.
Apply online.
Answer a short set of health questions. It takes about 7 minutes.
Get your decision.
FLORA reviews your application and emails you.
Activate your policy.
Once accepted, move forward with your policy and make your first monthly payment. Your rate is set for the life of your policy.
Coverage that goes where you go
Coverage that’s yours, wherever you work or move
Coverage that’s yours, wherever you work or move
It belongs to you, not your job
It belongs to you, not your job
Your policy isn’t tied to your employer, your state, or your health plan. Change jobs, move across the country, go freelance. Your coverage comes with you.
Any licensed provider in the US
Any licensed provider in the US
There are no in-network or state restrictions. Get treatment from any licensed fertility provider, wherever you live.
There when you need it
There when you need it
Up to $50,000 in lifetime benefits for fertility care, if and when you need it, up to age 45.
Your questions, answered
Premiums average around $40/month, based on your age and health profile. Younger applicants usually pay less, and premiums can run higher for older applicants or certain medical and lifestyle factors. Your rate is set when you apply and won’t change through the life of your policy, except for minor inflationary increases.
Women aged 20 to 34 who live in the US (at this time, we do not cover New York residents) and women who aren’t currently in fertility treatment or under a fertility specialist’s care. Once you’re approved and your policy is active, coverage lasts to age 45 as long as you keep paying your premiums.
Yes, you can still apply. If you have PMOS (formerly PCOS), disclose it on your application and FLORA’s team will look at your full picture to better understand your specific situation.
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.
Elective egg freezing isn’t covered. If you’ve already frozen your eggs, or plan to, you can still apply, and your coverage can apply if you need treatment later to use them. Egg freezing is covered when it’s medically required, as indicated by a fertility specialist.
No. Your savings account and your FLORA policy are completely separate. If you apply, you’ll answer health questions on FLORA’s own application form.
It’s coverage you buy before you need it, in case you need fertility treatment later in life. You pay a small monthly premium now, and if you need treatment later, FLORA can reimburse up to $50,000 of your care. It works like any insurance, for a part of healthcare that usually isn’t covered.
FLORA reimburses approved costs, so you pay your clinic first and get paid back, usually within 14 business days. Savings can cover that gap, plus the costs insurance doesn’t, like travel or time off.
No. You found FLORA through Sunny Day Fund, but you apply as an individual and own your policy outright. If you change jobs, it stays with you.
Nothing changes. You own your policy, so it doesn’t matter where you work or live. You can see any licensed provider.
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.
The first term is 24 months, then it renews every 12 months until you cancel or turn 45, as long as you keep paying your premiums.
Each FLORA policy belongs to the person it covers, so they’ll need to apply themselves. If they’re a woman between 20 and 34 living in the US, share this page with them.
Sunny Day Fund helps people build savings so the unexpected feels less scary. FLORA helps women plan for a cost that’s hard to predict. Savings and coverage do different jobs, but work beautifully together. We believe savers deserve both options to build every opportunity ahead.
Premiums average around $40/month, based on your age and health profile. Younger applicants usually pay less, and premiums can run higher for older applicants or certain medical and lifestyle factors. Your rate is set when you apply and won’t change through the life of your policy, except for minor inflationary increases.
Women aged 20 to 34 who live in the US (at this time, we do not cover New York residents) and women who aren’t currently in fertility treatment or under a fertility specialist’s care. Once you’re approved and your policy is active, coverage lasts to age 45 as long as you keep paying your premiums.
Yes, you can still apply. If you have PMOS (formerly PCOS), disclose it on your application and FLORA’s team will look at your full picture to better understand your specific situation.
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.
Elective egg freezing isn’t covered. If you’ve already frozen your eggs, or plan to, you can still apply, and your coverage can apply if you need treatment later to use them. Egg freezing is covered when it’s medically required, as indicated by a fertility specialist.
No. Your savings account and your FLORA policy are completely separate. If you apply, you’ll answer health questions on FLORA’s own application form.
It’s coverage you buy before you need it, in case you need fertility treatment later in life. You pay a small monthly premium now, and if you need treatment later, FLORA can reimburse up to $50,000 of your care. It works like any insurance, for a part of healthcare that usually isn’t covered.
FLORA reimburses approved costs, so you pay your clinic first and get paid back, usually within 14 business days. Savings can cover that gap, plus the costs insurance doesn’t, like travel or time off.
No. You found FLORA through Sunny Day Fund, but you apply as an individual and own your policy outright. If you change jobs, it stays with you.
Nothing changes. You own your policy, so it doesn’t matter where you work or live. You can see any licensed provider.
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.
The first term is 24 months, then it renews every 12 months until you cancel or turn 45, as long as you keep paying your premiums.
Each FLORA policy belongs to the person it covers, so they’ll need to apply themselves. If they’re a woman between 20 and 34 living in the US, share this page with them.
Sunny Day Fund helps people build savings so the unexpected feels less scary. FLORA helps women plan for a cost that’s hard to predict. Savings and coverage do different jobs, but work beautifully together. We believe savers deserve both options to build every opportunity ahead.
Premiums average around $40/month, based on your age and health profile. Younger applicants usually pay less, and premiums can run higher for older applicants or certain medical and lifestyle factors. Your rate is set when you apply and won’t change through the life of your policy, except for minor inflationary increases.
Women aged 20 to 34 who live in the US (at this time, we do not cover New York residents) and women who aren’t currently in fertility treatment or under a fertility specialist’s care. Once you’re approved and your policy is active, coverage lasts to age 45 as long as you keep paying your premiums.
Yes, you can still apply. If you have PMOS (formerly PCOS), disclose it on your application and FLORA’s team will look at your full picture to better understand your specific situation.
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.
Elective egg freezing isn’t covered. If you’ve already frozen your eggs, or plan to, you can still apply, and your coverage can apply if you need treatment later to use them. Egg freezing is covered when it’s medically required, as indicated by a fertility specialist.
No. Your savings account and your FLORA policy are completely separate. If you apply, you’ll answer health questions on FLORA’s own application form.
It’s coverage you buy before you need it, in case you need fertility treatment later in life. You pay a small monthly premium now, and if you need treatment later, FLORA can reimburse up to $50,000 of your care. It works like any insurance, for a part of healthcare that usually isn’t covered.
FLORA reimburses approved costs, so you pay your clinic first and get paid back, usually within 14 business days. Savings can cover that gap, plus the costs insurance doesn’t, like travel or time off.
No. You found FLORA through Sunny Day Fund, but you apply as an individual and own your policy outright. If you change jobs, it stays with you.
Nothing changes. You own your policy, so it doesn’t matter where you work or live. You can see any licensed provider.
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.
The first term is 24 months, then it renews every 12 months until you cancel or turn 45, as long as you keep paying your premiums.
Each FLORA policy belongs to the person it covers, so they’ll need to apply themselves. If they’re a woman between 20 and 34 living in the US, share this page with them.
Sunny Day Fund helps people build savings so the unexpected feels less scary. FLORA helps women plan for a cost that’s hard to predict. Savings and coverage do different jobs, but work beautifully together. We believe savers deserve both options to build every opportunity ahead.
Thinking of someone in your family?
Thinking of someone in your family?
Thinking of someone in your family?
Every FLORA policy belongs to the person it covers, so everyone applies for their own. If your partner, sister, daughter, or friend fits the list, send this page their way.
Not a fit right now?
Not a fit right now?
Not a fit right now?
Join FLORA’s Canopy community for women’s health resources, events, and perks.
Learn more about Canopy
Save for a sunny day.
Plan for a family someday.
Plan ahead, at your own pace. Available to women aged 20 to 34 living in the US.
Plan ahead, at your own pace. Available to women aged 20 to 34 living in the US.