Studies show that the average IVF patient cycles 3.6 times in order to have a baby. In anticipation of this need to go through more than one cycle, some clinics offer package plans to help bring down the costs of a multi-cycle treatment plan. The benefit is the reduction of cost per cycle -- the risk is that you achieve pregnancy before using all of the cycles, you're often not issued a refund. Of course, this means you have a baby!
ARC Refund proves a money-back refund guarantee program and will refund your payment if a baby is not achieved during the treatment plan. Refund programs often have restrictions, so check before committing -- and if approved, you may want a second opinion as to whether your odds place you in a position to tend to need multi-cycles to achieve success.