Financing Options for Hair Transplants in Canada


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Financing Options for Hair Transplants in Canada

Is there Hair Transplant Financing in Canada?

Yes, hair transplant financing is offered by several clinics across Canada to help make hair transplants more accessible. For many individuals, financing a surgical hair restoration procedure has been a hurdle that frequently stops them from making the decision to move forward. Clinics typically offer 2 types of financing options:

  • Flexible Payment Plans: Some clinics offer flexible payment plans that help spread the cost over time. These payment plans can be weekly or monthly over a certain period of time in order to help make the cost of hair transplant procedures more affordable. Each clinic will have their own program so ask each about their details. 
  • Private Loans: Some clinics also partner with financial institutions to provide cosmetic surgery loans. Private banks also offer personal loans, although that process may be more cumbersome.

Below we highlight and summarize 5 private loan companies in Canada that offer loans for Hair Transplant procedures. It’s advisable to inquire about financing options during the consultation phase to learn more about how you can easily and conveniently pay for your hair transplant. 

Guide to hair transplant financing in Canada

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Should I Finance A Hair Transplant?

Using finance to pay for a hair transplant has a number of benefits. For some, it can allow to have the treatment you wish with no delay, as you will not have a major cash outlay and will be able to spread the cost over time. An $8000 invoice looks a lot more manageable when you instead pay $200 per month over a certain period of time. 

Each financing company has their own interest rates and payment scheduls. Please contact each directly to know what amount you are approved for.  

Benefits of using a Clinic's payment plan

The benefits of using a clinic’s payement plan to pay for your hair transplant include:

  1. Potentially lower costs: Many clinics do not charge interest on their plan.
  2. Simplified process: Dealing directly with the clinic for both the procedure and financing can streamline the overall experience.
  3. Flexibility: Clinics may offer more flexible payment terms that align with their specific procedures and post-operative care.
  4. No middleman: Direct financing through the clinic eliminates the need for a third-party company, potentially reducing additional fees or complications.
  5. No Credit history: Not taking out a loan from a 3rd party means it will not impact your credit history, networth, etc.

So what are the disadvantages of using a clinic’s payement plan?

  • Clinics typically cannot provide longer payment terms than 3rd party financing companies. Their average is between 6 months and 18 months. So if you are looking to spread payments over the course of years, then you should seek 3rd party financing.
  • Clinics can only offer payment plans on the procedure you are buying from them. Instead, obtaining a loan from a 3rd party financing company means you can use the funds to pay for any treatment at any clinic. (some restricts apply)
  • Only a handful of clinics actually offer longer term payment plans. Most partner with 3rd party financing companies to offer such benefits to patients. Do not select your clinic based on whether they offer long term payment plans. If they do not, simply contact a 3rd party option as described below.

Benefits of using a 3rd party financing company

Using a third-party financing company for a hair transplant offers several benefits:

  1. Flexible payment plans: Companies offer various repayment terms, typically ranging from 6 to 60 months, allowing patients to choose a plan that fits their budget
  2. Competitive interest rates: Not all companies offer the same value. The more reputable ones offer competitive interest rates.
  3. Quick approval process: Many third-party lenders offer fast online applications with decisions often provided within minutes
  4. Higher loan amounts: Personal loans from these companies can often cover the full cost of the hair transplant procedure, with some offering as much as $40,000
  5. Credit building: Timely payments on a personal loan can help improve your credit score

Using third-party financing for a hair transplant can come with several potential risks as well:

  1. High costs: Third-party financing often involves higher interest rates than you could otherwise get from a bank loan. Be aware of lenders that offer rates similar to or higher than credit card rates. These lenders are to be avoided.
  2. Impact on credit score: Taking on debt for a hair transplant may affect your credit score, particularly if you struggle to make payments
  3. Hidden fees: Some financing options may have hidden fees or penalties for late payments, which can add to the financial burden
  4. Limited flexibility: Some financing options may have strict repayment terms with little room for adjustment if your financial situation changes

Best Personal Loan Companies for Hair Transplants in Canada

  • Beautifi
  • Medicard
  • Spring Financial
  • Fig Financial
  • Credit Medical
  • Fairstone
  • Lendcare
Established in 2021, Beautifi helps people finance elective cosmetic procedures so that anyone can be the best version of themselves. We pride ourselves on providing exceptional experiences and are dedicated to quality across every touchpoint. Provides instant financing solutions ranging from $1,000 to $50,000+, with flexible terms ranging between 6 months and six years.
Established in 1996, Medicard is a division of iFinance Canada. It manages over $2 billion in processed loans, over 100,000 applications annually and more than 10,000 affiliated service providers.
Since their launch in 2014, Spring Financial has become one of the largest fintech companies in Canada with over a million applicants and 250,000 product originations.
With over 13,000 customers, Fig is a unique company backed by Fairstone Bank and Koru, a groundbreaking venture studio owned by Ontario Teachers’ Pension Plan. Fairstone has almost 100 years of lending experience allowing Fig to combine the best of both worlds.
Established in 2001, Credit Medical is one of North America’s oldest and most trusted private lenders, providing flexible and affordable term loans to patients undergoing surgical, non-surgical, and minimally-invasive medical procedures and treatments.
Fairstone has almost 100 years of experience in lending and is committed to providing responsible lending solutions. Fairstone offers secured and unsecured personal loan options up to $60,000 online or at one of our 250+ branches across Canada.
LendCare, a subsidiary of goEasy, was formed in 2004 and offers flexible financing solutions with terms of up to 5-years. • Loan amounts range from $500 - $15,000, amortization between 12-60 months and interest rates between 14.99% - 29.9%

Frequency Asked Questions

Financing hair transplants in Canada
What are the basic requirements for obtaining a medical loan in Canada?

Typical requirements include being a Canadian citizen, at least 20 years old, having a minimum monthly income of $2,000, and an active Canadian bank account

Can I get a medical loan with bad credit?

Yes, most lenders will provide loans even to those with bad credit. However, the interest rates will be much higher and terms may be more rigid.

How long does the application process take?

Many online lenders offer quick application processing, with decisions often provided instantly or within minutes or up to one business day.

Are there any fees associated with applying for a medical loan?

Most lenders do not charge fees for applying for a medical loan. If one does, it is recommended that you seek other alternatives. There are many options available. 

What are the typical repayment terms for medical loans in Canada?

Repayment terms generally range from 6 to 72 months, depending on the lender and the loan amount. Most lenders allow you to pay off the loan early without any penalties. 

What is the difference between a medical loan from a 3rd party financing company and getting a loan from a bank?

Banks have longer processing times, ask for more information and typically are more difficult to get an approval from. However, their interest rates will be lower than 3rd party financing companies.

Financing companies provide a service focused on speed, convenience, easy of payments, flexible terms, and easy approvals. The costs for this is a higher interest rate than banks. 

How to Choose a Hair Transplant Clinic in Canada


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How to Choose a Hair Transplant Clinic in Canada

Undergoing a hair transplant is a significant decision, both emotionally and financially. Choosing a hair transplant clinic in Canada, especially one that is right for you, is crucial for achieving safe, effective, and natural-looking results.

With the growing popularity of hair transplant procedures, numerous clinics have emerged across Canada, making it challenging to identify the most suitable one for your needs.

Choosing a reputable clinic reduces the risk of complications, such as infections, poor graft survival, or unsatisfactory outcomes. It’s important to prioritize quality over cost to avoid costly corrective surgeries in the future. Patients need to be well-informed to differentiate the hype from reality in this fast-growing, multi-billion-dollar hair transplant industry.

Our research shows that the majority of hair transplant clinics in Canada offer free consultations. Some may charge a small fee. However, it is encouraged to visit multiple clinics and ask the right questions during your hair transplant consultation to get the information and comfort you need.

Guide: How to Choose a Hair Transplant Clinic in Canada

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Factors to Consider When Selecting a Hair Transplant Clinic in Canada

We tried to identify some essential factors to consider when choosing a hair transplant clinic in Canada. 

We identified key factors that anyone considering hair transplants should discuss and review with clinics they are evaluating. We also include a set of questions you may choose to ask. Hopefully, you make an informed decision that leads to the best possible outcome.

1. Surgeon’s Qualifications and Credentials

A surgeon’s experience significantly impacts the success of a hair transplant. The more procedures they’ve performed, the more likely they are to handle complex cases with precision.

However, many patients might not realize that becoming a hair transplant surgeon does not necessarily require a surgical residency or specialized training. It’s essential to understand that simply being a licensed physician in Canada does not automatically qualify one as a competent hair transplant surgeon. Look for the following:

  • Medical Board Verification: Every doctor in Canada is part of their provincial board. Verify their website to make sure the physician you are reviewing is in good standing. Here is the link to Canadian Provincial Medical Regulatory Authorities.
  • Number of Procedures Performed: Surgeons who focus exclusively on hair restoration are more likely to produce optimal results. The number of surgeries performed can be a strong indicator of their expertise.
  • Relevant specialty:  There is no speciality in hair transplantation from medical boards. However relevant experience such as dermatology or plastic surgery is certainly of benefit.
  • Specialized training: Look for surgeons who have undergone specialized training in hair restoration techniques.
  • Membership in professional organizations: Although not a sign of overall quality, membership to these organizations does provide certain distinctions compared to others that are not members. Check if the surgeon is a member of reputable organizations such as:
    • American Board of Medical Specialties
    • The American Board of Hair Restoration Surgery
    • International Society of Hair RestorationSurgery
    • The International Alliance of Hair Restoration Surgeons

2. Experience with Several Hair Transplant Techniques

Hair transplant techniques have evolved significantly over the years. Clinics that utilize the latest techniques, such as FUE (Follicular Unit Extraction) and robotic hair transplants, can offer better results with less scarring and quicker recovery times.

Ask about the techniques used and why they are recommended for your specific case. It makes sense to consult with surgeons that are experienced in various hair transplant techniques, such as FUE (Follicular Unit Extraction), DHI and FUT (Follicular Unit Transplantation). This way you will get an understanding of the procedures that may be available to you.

Ultimately, select a surgeon with expertise in your desired procedure. If your surgeon has done 90% of their hair transplants using the FUT procedure but you feel a FUE procedure may make sense for you, then seek alternative opinions.

3. Clinic’s Reputation and Experience

The reputation and experience of a hair transplant clinic is also paramount when making your choice. Look for clinics with a proven track record of success and satisfied patients. Consider the following:

  • Years in operation: Established clinics with a long history often have more experience and refined techniques.
  • Awards and recognition: Look for clinics that have received industry awards or recognition for their expertise.
  • Patient reviews and testimonials: Read reviews from previous patients to gauge their experiences and satisfaction levels.
  • Better Business Bureau: Does the clinic have any poor ratings associated to them.

4. Testimonials, Social Proof and Reviews

When choosing a procedure such as plastic surgery or hair transplants, it is more important than ever to get “proof” or as close to proof as possible to the quality of the clinic’s and physician’s results. One of the best ways of doing this is to review patient results. Here are things to consider:

  • Request before-and-after photos. These images should clearly display the hairline, mid-anterior scalp and donor scars (both FUE and FUT) after hair-bearing tissue removal. Confirm that pictures are from real  patients of the physician you are consulting with. This will help you assess the quality of the physician’s work. Pay attention to patients with similar hair loss and hair style as yours.
  • If available, ask for video footage of patients before, during, and after the procedure. These videos allow you to better understand the surgeon’s techniques and the potential outcomes.
  • Ask if you can speak with past patients. Most reputable clinics will be more than happy to provide you with references you can speak with. If they do not allow you to speak with past patients, then consider an alternative choice. Obtain the names and phone numbers of previous patients to discuss their experiences with the physician and staff. If possible, speak or meet with at least 2 patients to discuss their experience. If the clinic does not provide referrals or if you are uncomfortable asking, then another good way of contacting patients is to contact them directly through their review of the clinic on Google Maps or Google Local Business directory. Remember to speak with or meet former patients with similar hair and skin characteristics to your own. This allows you to witness the results firsthand and evaluate the hair transplant physician’s ability to achieve a realistic and satisfactory outcome for you.
  • Online reviews: Nowadays, online reviews can provide valuable insights into the experiences of past patients. Look for reviews on reputable sites such as google review, Yelp, or local medical directories that rate doctors and medical clinics. No clinic or surgeon can have perfect reviews, but, be cautious of clinics with overwhelmingly negative reviews and given the online world we all live in, be cautious of those that lack sufficient online presence or hardly any reviews.
  • Hairlines: While reviewing the before and after pictures, you will be able to asses the skill of the surgeon pertaining to hairline positioning and style. It takes special skill and years of experience to design a natural-looking, age-appropriate hairline. Your surgeon knows what kind of results are feasible, and can design your hairline in line with this. Your surgeon will also design a hairline that accounts for good donor area management. Before and after pictures not only show overall hair growth results but can also determine if the surgeon has a good eye for hair line style.

5. Who will actually be performing the hair transplant?

Most clinics have the surgeon perform the procedure. However, there are some where the surgeon only overseas the procedures while technicians or other medical staff perform the actual procedure. The cost of your hair transplant procedure is impacted by the level of involvement from these medical professionals. If a technician or nurse is the one actually performing your procedure then the cost will be significantly less than if the surgeon was performing the procedure.

There is no right or wrong process here. It is whichever you are comfortable with. However, the clinic should be upfront with you as to who will be performing the procedure.

Some clinics may describe services as being physician directed or surgeon directed, however that means that the doctor only directs the procedure and leaves it up to the technicians or nurses to actually perform the procedures. This allows these clinics to offer hair transplants at a much lower cost than surgeon led clinics. However, this practice comes with its own set of disadvantages.

It is encouraged to always ask who will be performing your actual procedure, as this will significantly impact costs.  

6. Facility Standards and Safety

The clinic’s facilities should meet high standards of cleanliness, safety, and patient care. Consider the following:

  • Sterile environment: Ensure the clinic maintains strict sterilization protocols and cleanliness standards.
  • Emergency preparedness: The facility should have protocols in place for handling any potential complications.
  • Comfortable setting: Look for a clinic that provides a comfortable and welcoming environment for patients.

7. Patient Education and Resources

A reputable clinic should prioritize patient education and provide resources to help you make informed decisions. If you feel that the clinic is primarily pushing selling you services instead of teaching you, then continue you search. Here are things to look for:

  • Educational materials: Look for clinics that offer brochures, videos, or online resources explaining hair transplant procedures.
  • Seminars or webinars: Some clinics may host educational events to inform potential patients about hair restoration options.
  • Consultation with previous patients: Reputable clinics may be willing to connect you with previous patients who can share their experiences.

8. Location of Hair Transplant Clinic

Consider the clinic’s location, especially if you’ll need to travel for the procedure:

  • Proximity to your home or work: Choose a clinic that is conveniently located for easy access to follow-up appointments. Procedures typically take all day. The last thing you want to do is drive a long distance after a procedure.
  • Travel considerations: If you’re considering a clinic in another city, factor in travel costs, accommodation and logistics. It may not be worth it.
  • Expensive Location, Additional Cost. If you visit a clinic that is situated in an opulent building, full of marble, high rent district, then understand that you will be paying more for their service. The décor, design and comfort of a clinic can be of high standard without the additional cost of opulent location.

9. Ethical Practices and Patient-Centered Approach

Choose a clinic that prioritizes ethical practices and puts patients’ best interests first:

  • No pressure tactics: Avoid clinics that use aggressive sales techniques or pressure you into making quick decisions.
  • Honest assessment: The clinic should provide an honest evaluation of your candidacy for hair transplantation, even if it means recommending alternative treatments.
  • Respect for patient privacy: Ensure the clinic maintains strict patient confidentiality and data protection practices.
  • After-care: Look for reviews or testimonials mentioning how the clinic take care or does not take care of patients after the procedure and throughout the year long growth process.

10. Word-of-Mouth Recommendations

The most powerful consideration is a strong recommendation from someone you personally know that has gone through a successful procedure. Personal recommendations can be more reliable than most other considerations. If you are open to letting others know that you are considering a hair transplant, you may be surprised at how many recommendations you receive. Online resources such as Facebook Groups or Reddits in the area you are considering can be a big help.

11. Hair Transplant Cost and Financing Options

While cost shouldn’t be the sole determining factor, it’s essential to choose a clinic that offers transparent pricing and reasonable financing options: Hair transplant costs can vary widely depending on the clinic, technique, and the number of grafts required. In Canada, the average cost can run anywhere from $6500 to $18,500 per procedure depending on the clinic.

For a more detailed look at the cost of hair transplants in Canada, please review our guide titled: “The Ultimate Guide to Hair Transplant Costs in Canada

While it may be tempting to choose the cheapest option, remember that quality matters. A reputable clinic will offer transparent pricing and a detailed breakdown of what is included in the cost. Beware of hidden fees or clinics that offer suspiciously low prices.

Now let’s be real, some clinics are simply far more expensive than others and even if their quality is top notch, they will simply not make your short list due to budgetary concerns. As such, here are things to consider:

  • Cities in Canada and USA are typically more expensive places for hair transplant procedures as compared to overseas countries like Turkey. This is due to quality of life, costs of doing business, personnel wages, physician qualifications, physician salaries, taxes and overall healthcare quality. Canada is simply a more expensive place to live and do business than other countries. This reality is seen in the cost of hair transplants in the country.
  • When comparing costs, especially with overseas clinics, include flight, hotel, transportation, food, opportunity cost of time away, hassles, language barrier and do NOT forget that given the lower value of the Canadian dollar nowadays, everything in another country will be about 35% to 40% more expensive. After factoring in all these costs, it may not be worth the hassle to consider an overseas clinic versus one in your own Canadian city.
  • Detailed cost breakdown: The clinic should provide a clear breakdown of all costs associated with the procedure including any comprehensive packages that include pre-operative care, the procedure itself, and post-operative follow-ups.
  • Financing options: Some clinics may offer financing plans or partner with third-party lenders to make the procedure more affordable. There are a number of financing lenders available that provide funds for hair transplant procedures in Canada. Read our article on Financing options for hair transplants in Canada.

It’s important to view hair restoration as an investment. By choosing a reputable clinic, you reduce the risk of complications and costly corrective procedures. Prioritize clinics that focus on patient safety and the quality of results rather than just the lowest price.

The Hair Transplant Clinic Consultation Process

The consultation process is crucial for setting realistic expectations, understanding the proposed hair transplant treatment process, ensuring that the patient is a suitable candidate and understand costs specific to your situation. A thorough consultation is essential for determining the best approach for your hair restoration.

The research shows that the majority of hair transplant clinics in Canada offer free consultations. However, some may charge a small fee. Do not shy away from those that charge a fee. In most cases, the evaluation will be more thorough when performed by a physician, not an unlicensed consultant more concerned with selling. Essentially, fee-based clinics may very well take the process more seriously. Most consultation fees are also credited towards the cost of the hair transplant procedure if you select that clinic.

A hair transplant will cost you thousands of dollars. Investing a few hundred in consultation fees to ensure you get specific recommendations based on your particular hair-loss situation is worth it. It is encouraged to visit multiple clinics and ask the right questions during your hair transplant consultation to get the information and comfort you need.

What to expect from a consultation

As each patient is different in terms of the amount of hair thinning, the amount of donor hair available, the amount of hair to be treated, and the type of hair grafts to be used, an initial consultation with a hair transplant doctor is the best way to determine both costs and determining the most suitable treatment plan and options for your specific needs. Here’s what you can typically expect during a hair transplant consultation meeting:

Discussion of Goals and Expectations: You’ll discuss your hair restoration goals, desired hairline shape, and expectations with the consultant. A customized plan tailored to your specific needs should ultimately be provided.

Personalized Assessment of Hair Loss: A thorough examination of your scalp and hair to assess the extent and pattern of hair loss. The doctor will likely evaluate the health and density of your donor area (typically the back or sides of your head) to determine its suitability for a transplant.

Discussion of Medical History: You will be asked about your medical history, including any underlying health conditions, medications, or previous treatments for hair loss. This helps the doctor understand potential risks and tailor the procedure to your specific needs.

Explanation of Hair Transplant Techniques: The doctor will explain the different hair transplant methods, such as Follicular Unit Extraction (FUE) or Follicular Unit Transplantation (FUT), and recommend the most appropriate technique for your case. They should also discuss the expected results for each method.

Analysis of Expected Outcomes: Some clinics have digital imaging or simulations to help show you what your results could look like after the procedure. This helps set realistic expectations about hair density, coverage, and overall appearance.

Cost Breakdown and financing options: The consultation includes a detailed explanation of the cost of the procedure, including any additional fees for medications or follow-up care. Financing options should also be presented.

After-care procedures: The doctor will also provide a step-by-step overview of the surgery, recovery period, and aftercare requirements.

Opportunity to Ask Questions: This is your chance to ask any questions about the procedure, potential risks, recovery time, or anything else you’re curious about. A reputable clinic will address your concerns openly and provide clear answers.

Review Before-and-After Photos: The clinic may share a portfolio of before-and-after photos of previous patients to give you an idea of the potential results. Look closely at the quality and naturalness of the outcomes to assess the clinic’s expertise.

Building Trust and Comfort: The consultation is also an opportunity to gauge the professionalism and communication skills of the medical team. Feeling comfortable and confident in their abilities is essential before moving forward. A trustworthy surgeon will provide transparent information about what to expect before, during, and after the procedure. During your consultation, assess their willingness to answer questions, discuss potential risks, and provide realistic expectations.

No sales tactics. This is not like buying a car. This is a deeply emotional and financially taxing cosmetic procedure. Clinics may have specials and packages you can take advantage of, but if you feel pressured in any way to “buy”, then continue evaluating clinics.

 

A face-to-face consultation provides you with critical information and reassurance about the procedure. It’s your chance to make an informed decision and short list clinics that align with your expectations, needs and of course, budget. While certifications and experience are important, you should also feel comfortable with your physician or surgeon’s approach in discussing your care. A quality surgeon will ensure that you leave their consultation with no questions unanswered and that you feel confident in the procedure.

Hair Transplant Clinic Red Flags

While searching for the right clinic, be on the lookout for warning signs, such as:

  • Unrealistic Promises: Be cautious of clinics that guarantee perfect results, as no medical procedure is without risks.
  • High-Pressure Sales Tactics: Reputable clinics will give you time to make an informed decision without pressuring you into booking immediately.
  • Lack of Transparency: If a clinic is vague about the surgeon’s experience, techniques used, or costs, consider looking elsewhere.
  • The lowest prices than all other clinics in the city.

Question to ask during your Consultation

In addition to some of the considerations noted above, the following are some questions you should ask during the consultation process.

  • Am I a good candidate for a hair transplant? (Not everyone is a suitable candidate for hair transplants. Factors such as age, hair type, and the extent of hair loss will determine eligibility.)
  • How many grafts will I need?
  • How many hairs transplanted does that translate into?
  • What hair transplant technique is best suited for me? FUE, FUE-DHI or FUT or other?
  • What are the risks and potential complications with each option for me?
  • Is graft cutting part of your process? If so why and what are the benefits to me? Read our article on graft cutting.
  • What kind of density can I expect? (This is an important question, particularly for those with a limited supply of hair in the donor area. Make sure to ask this if you’ve had a previous transplant, or you have extensive hair loss )
  • Does the clinic have financing plans?
  • Is the Doctor performing the procedure or a technician or Nurse or ROBOT?
  • Inquire about the number of procedures the physician has performed.
  • Clarify whether the FUE grafts’ dissection is performed by the surgeon or technicians. If technician-driven, ascertain their qualifications and employment status (full-time preferred).
  • Ensure that FUE grafts are examined and refined under a microscope before implantation, as this is critical for a natural result.
  • Can I design my own hairline? (While your surgeon will take your ideas into consideration, they’ll ultimately be the ones to design your hairline.)
  • Ask to see a number of before and after photos and their actual patients
  • Ask for a number of patience references you can contact.
  • Do they have video of the procedure with the actual surgeon doing the procedure?
  • What will be the cost of my specific hair transplant procedure?

Post-Surgery Questions

  • Ask about detailed aftercare instructions, follow-up appointments.
  • Ask about the clinic’s policy for follow-up care and what to do if you encounter any issues after the procedure.
  • How long will the recovery process take? (Recovery times can vary depending on the technique used. Generally, patients can return to normal activities within a week, but full results may take several months to become visible. )
  • What happens if you are not satisfied with your hair transplant results? (If you’re unhappy with the results, consult your surgeon about corrective procedures or other treatment options)

Choosing the right hair transplant clinic for you

Choosing the right hair transplant clinic requires careful consideration of multiple factors. By thoroughly researching and evaluating clinics you can significantly increase your chances of achieving satisfactory results.

Remember, this is an investment in your well-being, so take the time to make an informed choice. A successful hair transplant is not just about the procedure itself but also about the entire patient experience, from the initial consultation to long-term follow-up care. Take your time to research and compare different clinics, schedule consultations with multiple clinics, and trust your instincts when making your final decision. By choosing a reputable clinic with experienced surgeons and a commitment to patient care, you’re taking a crucial step towards restoring your hair and confidence.

It is recommended that you short-list and evaluate 4-6 clinics, have a formal consultation with at least 2-3 clinics before settling on your preferred selection.

Ultimate Guide to Hair Transplant costs in Canada


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Ultimate Guide to Hair Transplant costs in Canada

We put together this guide to help you explore the costs associated with hair transplants across the country, factors influencing pricing, and what potential patients can expect when considering a hair transplant in Canada.

The increased availability of reputable clinics has also made hair transplants more accessible and affordable for the average Canadian. This all makes it easier for Canadians to access high-quality hair restoration procedures without having to travel abroad.

The Ultimate Guide to hair transplant costs in Canada

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How much does a hair transplant cost in Canada?

How much does a hair transplant cost in Canada is a question frequently asked. The cost of a hair transplant in Canada varies depending on several factors like location of clinic, the number of grafts implanted, experience of physician, and other factors. There are 7 areas of importance to consider. It is worthwhile to first review these 7 areas before providing guidelines on hair transplant costs in Canada.

However, as a general rule, the average cost for a hair transplant in Canada is between $4.50 and $6.50 per hair graft or prepare to invest between $6500 and $18,500. Yes, that is a wide range, however, there are a number of factors that increase or decrease these averages. Continue reading to determine a more precise cost for your situation.

Factors Affecting Hair Transplant Costs

The cost of a hair transplant is dependent on several factors. Every person’s requirements are different and, therefore, a one cost model certainly does not fit all. The following are 7 factors identified that effect the cost of hair transplants.

1. Number of Grafts Required for your hair transplant

The extent of hair loss and the number of grafts needed for transplantation directly affect the cost. More extensive hair loss requires a larger number of grafts, increasing the complexity and duration of the procedure. Most people, however, don’t know how many grafts they’ll need because they don’t know how many transplanted hair grafts it takes to fill a given area of hair loss or thinning hair to achieve full healthy hair growth.

Understanding Hair Grafts

Hair grafts are small sections of the scalp that contain hair follicles. Each graft typically includes between 1 to 4 hair strands; typically 2-3.  During a hair transplant procedure, these grafts are extracted from a donor area (usually the back or sides of the scalp) and implanted into areas where hair is thinning or balding.

What Determines the Number of Grafts Needed?

Several factors influence how many grafts are required for a successful hair transplant:

  1. Extent of Hair Loss: The degree of baldness, often classified by the Norwood Scale for men and the Ludwig Scale for Women, is a significant determinant. For instance, someone with advanced hair loss will need more grafts than someone with minimal thinning.
  2. Hair Density: The density you wish to achieve in the transplant area will affect graft count. Higher density requires more grafts.
  3. Hair Characteristics: The texture, thickness, and color of your hair play a role. Individuals with thicker hair or curly hair may need fewer grafts to achieve a full look because each hair strand covers more scalp area.
  4. Size of the Area to Be Covered: The size of the balding area impacts the total number of grafts needed. For example, covering a receding hairline requires fewer grafts than restoring the entire crown.

 

Determining the extent of your hair loss

Norwood Scale for Male Pattern Baldness

The Norwood Scale, also known as the Hamilton-Norwood Scale, is a classification system used to measure the progression and extent of male pattern baldness. It was originally developed by Dr. James Hamilton in the 1950s and later revised by Dr. O’Tar Norwood in the 1970s. The scale consists of 7 stages, with each stage representing a different level of hair loss severity. Here’s an overview of the 7 stages:

Stage 1: This is considered the baseline, with no significant hair loss or recession of the hairline visible. The hairline remains intact around the face and temples.

Stage 2: Minor recession of the hairline begins, typically around the temples. This creates a slightly more defined M, U, or V shape to the hairline. Some men may stay at this stage indefinitely.

Stage 3: The first stage that is classified as male pattern baldness. The hairline recedes more prominently at the temples, creating a deeper M, U, or V shape. Some men may also begin to experience thinning on the crown (vertex) of the head.

Stage 4: Hair loss and thinning become more severe. The receding hairline becomes more pronounced, and the bald spot on the crown grows larger. However, there is still a band of hair separating the receding front hairline and the thinning crown.

Stage 5: The bald areas at the hairline and crown continue to enlarge. The band of hair separating these two areas becomes narrower and sparser.

Stage 6: The balding areas at the temples join with the bald spot at the crown. The band of hair across the top of the head is either gone or very sparse.

Stage 7: The most advanced stage of hair loss. Only a narrow band of hair remains on the sides and back of the head, forming a horseshoe or U-shape pattern. This remaining hair is usually not dense and may be quite fine.

It’s important to note that not all men will progress through all stages, and the rate of progression can vary significantly between individuals. The Norwood Scale is a useful tool for doctors and hair restoration specialists to assess the extent of hair loss and determine appropriate treatment options.

Ludwig Scale for Female Pattern hair loss

The Ludwig scale is a classification system used to describe and categorize the patterns and progression of female pattern hair loss (FPHL). Developed by Dr. Ludwig in the 1970s, it provides a standardized way for medical professionals to assess the severity of hair loss in women. The scale consists of three main stages:

Ludwig Stage I: Characterized by minimal thinning of hair, primarily noticeable at the top and center of the scalp. There is a slight widening of the part line, but it may not be immediately obvious to the casual observer. The frontal hairline remains largely intact.

Ludwig Stage II: Hair thinning becomes more pronounced and noticeable. There is significant widening of the part line, exposing more of the scalp. The hair volume on the crown area decreases noticeably. The frontal hairline typically remains unaffected, but the contrast between the thinning top and the sides becomes more apparent.

Ludwig Stage III: This is the most advanced stage of female pattern hair loss on the Ludwig scale. There is extensive thinning across the entire top of the scalp. The part line becomes very wide, and in some cases, may no longer be distinguishable. The scalp is clearly visible through the remaining hair. While the frontal hairline often remains intact, the contrast between the thinning top and the sides of the head is stark.

It’s important to note that the Ludwig scale focuses primarily on the pattern of hair loss on the top and crown of the head. Unlike male pattern baldness scales (such as the Norwood scale), it does not typically include recession of the frontal hairline, as this is less common in female pattern hair loss. The Ludwig scale is a valuable tool for healthcare providers to assess the progression of female pattern hair loss and determine appropriate treatment options. However, it’s worth noting that not all women will fit perfectly into these categories, and there can be variations in hair loss patterns among individuals.

Average Grafts Required for Men & Women based on Hair Loss Scale

The following is a summary of the average number of hair grafts typically needed at different stages of hair loss. What is your number?

2. Geographic Location of the Hair Transplant Clinic

The cost of a hair transplant in Canada can vary greatly based on location. Hair transplant clinics, like any other business, are subject to local market forces.

How does the clinic’s location affect the cost?

There are cities where the cost of operating a clinic is so high that this typically reflects in the overall expense of the procedure compared to cities with less expense. Clinics situated in high-demand cities like Toronto, Vancouver, Calgary and Montreal with a higher business cost generally have higher prices for hair transplant procedures. However, Vancouver and Calgary have the highest prices in the country.

As is the case across the country, as more competition and more hair transplant clinics operate in a given city across Canada, the cost of hair transplant procedures will come down over time.

3. Hair Transplant Technique

The method chosen for a hair transplant also impacts the overall cost. Follicular Unit Transplantation (FUT) and Follicular Unit Extraction (FUE) are the two primary techniques. FUT involves the removal of a strip of scalp, while FUE involves individual follicular unit extraction.

  • Typically, FUE procedures tend to be more expensive due to it being more labour-intensive, more meticulous and time-consuming nature.
  • FUE can cost approximately 35% – 45% more than FUT

A more detailed breakdown of FUE and FUT procedures can be review here.

Cost of the transplant procedure should not be the only aspect taken into account when determining which procedure to undertake. A consultation with a hair transplant specialist is the best way to determine the right procedure for your specific needs.

4. Hair Transplant Clinic or Doctor’s Reputation & Experience

Choosing a hair transplant surgeon or clinic with a strong reputation and extensive experience significantly increases the likelihood of achieving satisfactory results while minimizing risks and complications. It’s an investment in both the quality of the outcome and the overall patient experience. Highly experienced and reputable surgeons often charge higher fees. Patients may choose to pay a premium for the assurance of quality results and minimized risk of complications, making the experience and credentials of the surgeon and clinic a significant cost factor.

Here are several points to consider:

  • Quality of results: Experienced surgeons are more likely to produce natural-looking, aesthetically pleasing outcomes. They have refined their techniques over numerous procedures, leading to better graft survival rates and overall results.
  • Safety and risk management: Seasoned surgeons are better equipped to handle complications that may arise during or after the procedure. They are more likely to follow strict safety protocols and use proper techniques to minimize risks.
  • Proper patient selection and planning: Experienced surgeons can better assess a patient’s suitability for hair transplantation. They can create more effective treatment plans tailored to individual needs and expectations.
  • Ethical practices: Well-established clinics and surgeons are more likely to prioritize patient well-being over profit. They are less likely to make unrealistic promises or pressure patients into unnecessary procedures.
  • Track record of success: A good reputation usually indicates a history of satisfied patients and successful procedures. Patient testimonials, online reviews and before-and-after photos can provide valuable insights into the surgeon’s capabilities.
  • Regulatory compliance: Reputable clinics and surgeons are more likely to adhere to industry standards and regulations, ensuring a higher level of patient safety and care.

Nowadays, it is far easier to determine the ratings of a surgeon or clinic. There are many online sites, including google reviews, that provide social proof of the quality of the results based on what patients have to say. Higher rated clinics typically charge a premium for the assurance of quality work.

5. Who will actually be performing the hair transplant?

There are several types of medical professionals that are involved in performing hair transplant surgery. The cost of your hair transplant procedure is also impacted by the level of involvement from these medical professionals. The exact composition of the surgical team may vary depending on the clinic and the specific procedure being performed (e.g., FUE or FUT). However, it’s generally a collaborative effort involving a skilled surgeon leading a team of specialized medical professionals to ensure the best possible outcomes for patients.

Hair Transplant Surgeons: These are the primary doctors who oversee and perform the hair transplant procedure. They are typically certified surgeons with specializations that may include, plastic surgery, dermatology, cosmetic surgery, or general surgery. The norm is for all hair transplant procedures to be performed by surgeons/physicians. However, some clinics have surgeons only oversee procedures, thus significantly reducing costs.

Nurses: Assist throughout the procedure, including administering anesthesia, monitoring patient vital signs, assisting with extraction and implantation of hair follicles, providing pre- and post-operative care

Medical Assistants and Surgical Assistants: Work alongside the surgeon and nurses to support various aspects of the procedure.

Hair Transplant Technicians: Highly trained specialists who assist in many aspects of the surgery, including preparing and maintaining the operating room, extracting and sorting hair follicles, assisting with graft placement

Now, given that the hair transplant field has become a very competitive environment, there are some clinics where the physician/surgeon does not perform the procedures. In some clinics a large portion if not your entire hair transplant surgery will be performed by technicians and not doctors.

Some clinics may describe services as being physician directed or surgeon directed, however that means that the doctor only directs the procedure and leaves it up to the technicians or nurses to actually perform the procedures. This allows these clinics to offer hair transplants at a much lower cost than surgeon led clinics. However, this practice comes with its own set of disadvantages.

It is encouraged to always ask who will be performing your actual procedure, as this will significantly impact costs.  

6. Customisation and Complexity of the Procedure

Customised treatment plans tailored to individual needs and complex procedures, such as those addressing specific hairline designs, can contribute to higher costs due to the intricacy of the procedure.

7. Additional Treatments and Services Included

Some clinics include post-operative medications or follow-up consultations in their pricing, while others charge separately for these services

The inclusion of services like consultations, pre-operative assessments, post-operative care or oral treatments, topical solutions or other products can vary among clinics and can add to the total cost of a hair transplant. Patients should consider these potential additional expenses when planning their hair restoration budget.

Average Hair Transplant Costs in Canada

As a summary, the 7 factors that impact the cost of hair transplants are:

  1. The number of hair grafts you require
  2. The location of the hair transplant clinic
  3. The Transplant technique used (FUE vs FUT)
  4. The experience and reputation of the hair transplant clinic and surgeon
  5. Who will be performing your hair transplant procedure
  6. Are there any customizations or complications with your procedure
  7. Are there any additional treatments or services included

Let’s now determine what the average hair transplant cost in Canada would be primarily focused on factor #1, the number of hair grafts required.  

STEP 1: Determine the amount of hair grafts you might need. See chart #1

STEP 2: Use chart #2 to review your average cost based on your graft count

STEP 3: Review additional elements that add to costs

STEP 4: Next steps to take with clinics

Remember, each patient is different in terms of the amount of scalp hair thinning, the amount of donor hair available, the amount of area to be treated, and the type of graft to be used. The best way to get a precise cost for your specific situation is to get a face-to-face consultation with a clinic.

As a preliminary measure, you can get a quote from multiple clinics by using our Request-A-Quote Service.

STEP 1 - Determine the amount of hair grafts you might need. See chart #1

STEP 2 - Use chart #2 to review your average cost based on your graft count

STEP 3 - Review additional elements that add to costs

-Average cost for hair transplant graft in Canada: The average cost for a hair transplant in Canada is between $4.50 and $6.50 per hair graft. There are clinics that charge $3.50 and some that charge $8 per graft.

-The cost of a hair transplant in Canada can vary greatly based on location. Hair transplant clinics, like any other business, are subject to local market forces. In Ontario, Quebec and the Maritimes the average cost is between $4.50 – $6.50 per hair graft. In Alberta and British Columbia, the average is $5.50 to $7.50 per hair graft.

-Some clinics charge different amounts for FUE or FUT procedures. It is typical to see clinics charge $2 per graft more for FUE procedures over FUT hair transplants.

-How many surgical sessions will you need? Most of the time, only one hair transplant procedure is needed. However, in cases with more advanced stages of hair loss requiring over 3000 grafts will often require more than one session.

-Above the cost of the procedure, remember that in Canada there are applicable sales taxes, HST, GST, QST, PST depending on the province of the procedure. This can add up to an additional 15% on the cost of the procedure.

STEP 4 - Next steps to take with clinics

Remember to always compare the same characteristics of a quote, such as who performs the procedure, are their additional charges included in the prices, etc, The goal should never be to select the least expensive clinic. Rather, it should be to select a competitively priced option that you have determined can provide the results you are looking for.

It’s important to note that these figures are averages, and individual cases and costs will vary depending on specific circumstances. A face-to-face consultation with a reputable clinic is the best way to determine cost and strategy for your specific situation.

Hair Transplant Consultation Process

The consultation process is crucial for setting realistic expectations, understanding the proposed hair transplant treatment process, ensuring that the patient is a suitable candidate and understand costs specific to your situation.

As each patient is different in terms of the amount of hair thinning, the amount of donor hair available, the amount of hair to be treated, and the type of hair grafts to be used, an initial consultation with a hair transplant doctor is the best way to determine both costs and determining the most suitable treatment plan and options for your specific needs. Some clinics charge a consultation fee, while others include it in the overall cost of the hair transplant procedure.

Here’s what you can typically expect during a hair transplant consultation meeting:

Discussion of Goals and Expectations: You’ll discuss your hair restoration goals, desired hairline shape, and expectations with the consultant.

Personalized Assessment of Hair Loss: A thorough examination of your scalp and hair to assess the extent and pattern of hair loss. The doctor will likely evaluate the health and density of your donor area (typically the back or sides of your head) to determine its suitability for a transplant.

Discussion of Medical History: You will be asked about your medical history, including any underlying health conditions, medications, or previous treatments for hair loss. This helps the doctor understand potential risks and tailor the procedure to your specific needs.

Explanation of Hair Transplant Techniques: The doctor will explain the different hair transplant methods, such as Follicular Unit Extraction (FUE) or Follicular Unit Transplantation (FUT), and recommend the most appropriate technique for your case. They will also discuss the expected results for each method.

Analysis of Expected Outcomes: Some clinics have digital imaging or simulations to help show you what your results could look like after the procedure. This helps set realistic expectations about hair density, coverage, and overall appearance.

Cost Breakdown and financing options: The consultation includes a detailed explanation of the cost of the procedure, including any additional fees for medications or follow-up care. Financing options should also be presented.

After-care procedures: The doctor will also provide a step-by-step overview of the surgery, recovery period, and aftercare requirements.

Opportunity to Ask Questions: This is your chance to ask any questions about the procedure, potential risks, recovery time, or anything else you’re curious about. A reputable clinic will address your concerns openly and provide clear answers.

Review Before-and-After Photos: The clinic may share a portfolio of before-and-after photos of previous patients to give you an idea of the potential results. Look closely at the quality and naturalness of the outcomes to assess the clinic’s expertise.

Building Trust and Comfort: The consultation is also an opportunity to gauge the professionalism and communication skills of the medical team. Feeling comfortable and confident in their abilities is essential before moving forward.

A face-to-face consultation provides you with critical information and reassurance about the procedure. It’s your chance to make an informed decision and short list clinics that align with your expectations, needs and of course, budget.

Does insurance cover hair transplants?

For most candidates, hair transplant surgery is an elective surgery, which means the costs must be covered by the patient and not by any public provincial medical insurance plans in Canada. Most private health insurance plans also do not cover the costs for any type of cosmetic surgery such as hair implants or hair transplants.

The only exception is when the procedure is part of reconstructive surgery from an accidental injury or disfigurement that could potentially be covered under some provincial or private medical insurance plans in Canada.

Financing Options for Hair Transplants in Canada

Is there Hair Transplant Financing in Canada?

For many individuals, financing a surgical hair restoration procedure has been a hurdle that frequently stops them from making the decision to move forward. Many clinics offer financing options to make hair transplants more accessible. Here are 2 types of options typically available:

  • Some clinics offer flexible payment plans that help spread the cost over time. These payment plans can be weekly or monthly over a certain period of time in order to help make the cost of hair transplant procedures more affordable.
  • Some clinics also partner with financial institutions to provide cosmetic surgery loans. These companies are known in Canada to offer loans for hair transplant procedures:
    • Medicard
    • Beautifi
    • Fig Financial
    • Credit Medical
    • Fairstone
    • Personal loans from all major financial institutions

It’s advisable to inquire about financing options during the consultation phase to learn more about how you can easily and conveniently pay for your hair transplant using the above financing options.

Other Aspects To Consider

It’s important for patients to be aware of potential hidden costs and transparencies associated with a hair transplant procedure. As the saying goes: make sure you are comparing apples to apples. Here are some areas to pay attention to:

-Some clinics provide hair transplant quotes stated as cost per ‘grafts’ and some provide cost per ‘hairs’- there is a difference – make sure you are comparing the same quote

-A hair graft is a small segment of tissue containing hair follicles that is transplanted during hair restoration procedures. Often referred to as a “follicular unit” in medical terminology and when extracted, a graft usually contains 2-3 hair strands on average. Understanding hair grafts is crucial for patients considering hair transplantation, as the number of grafts needed will depend on factors like the extent of hair loss, desired density, and quality of donor hair. The number of grafts used directly impacts the cost and results of the procedure.

-Additional expenses may be required, such as medications, post-operative care, and follow-up appointments. Understanding these costs beforehand allows patients to budget appropriately and avoid unexpected financial surprises.

-To gain a full understanding of all costs involved, always request a detailed breakdown of the expenses involved in the procedure. Reputable clinics should provide transparent information about all associated costs, ensuring a clear understanding of your financial commitment.

-Ask if clinics cut hair follicular units (grafts). It is important to know how many follicular unit grafts will be transplanted and also how many hairs are being transplanted. There are several disadvantages to cutting grafts. Some clinics may also inflate the amount of recipient grafts transplanted by cutting grafts, thus impacting price. Ask clinics you are considering if they perform the practice of cutting grafts, and what the advantages and disadvantages are for you. Please review our article on the practice of cutting grafts for a more in-depth understanding.

The True Cost of Hair Transplants

Hair loss can carry significant emotional and psychological costs, far beyond the physical change in appearance. Many individuals experience a loss of self-confidence, social anxiety, and even feelings of shame or embarrassment as their hair thins or recedes. Given that hair transplants are more affordable than ever, it is no wonder that more people turn to this cosmetic surgery procedure to help restore their appearance and confidence. The financial cost of hair transplants seems to be a worthwhile expense to take on to help reduce the apparent emotional costs for individuals.

Summary of Hair Transplant Costs in Canada

Hair transplant costs in Canada can vary widely, typically averaging $4.50 to $6.50 per hair graft or about $6,500 to $18,500 depending on the extent of the procedure and other cost factors such as clinic location and the surgical team’s expertise. While the allure of more affordable options may be tempting, it is paramount to prioritize the quality and proficiency of both the clinic and the surgeon.

A successful hair transplant can be a transformative experience, potentially reshaping one’s confidence and self-image. Conversely, basing your decision solely on cost considerations may lead to disappointing outcomes or, worse yet, necessitate expensive corrective procedures down the line.

To navigate this important decision effectively, it is advisable to schedule consultations with several reputable clinics. These meetings will provide you with a comprehensive understanding of the costs associated with your unique case, allowing you to make an informed choice that strikes the right balance between your budgetary constraints and the caliber of results you aspire to achieve.

Remember, investing in a high-quality hair transplant is not merely a financial decision, but an investment in your appearance, confidence, and overall well-being.

Frequency Asked Questions

The cost of hair transplants in Canada
What is the average cost of a hair transplant in Canada?

The average cost of a hair transplant in Canada ranges from $6,500 to $18,500 for a typical session. The Price really does depend on several factors including severity of hair loss and number of hair grafts required.

How much does a hair transplant cost per graft in Canada?

The cost per graft in Canada averages from $4.50 to $6.50. However, there are some clinics as low at $3 and as high as $8 per graft

What factors affect the cost of a hair transplant in Canada?

The main factors affecting cost include the number of grafts required, the clinic's location, choice of hair transplant procedure.

Does the number of grafts significantly impact the cost?

Yes, the number of grafts required is one of the most significant cost factors. For example, a procedure with 1,000 grafts at say, $5 per graft might cost $5,000 or so, while 3,500 grafts could exceed $17,500.

How much does an FUE hair transplant cost?

The cost varies based on factors such as the number of grafts, the surgeon's experience, and the clinic's location. FUE hair transplants typically cost more than FUT transplants. They can be about $2 to $30 more per graft. 

How does the location of the clinic affect hair transplant costs in Canada?

City based clinics with higher operating costs tend to have higher hair transplant prices. Areas with lower competition also tend to be more expensive.

How does the cost of hair transplants in Canada compare to other countries?

Hair transplants in Canada are generally more expensive than in countries overseas. This is mainly due to higher operational costs, higher quality standards and higher physician costs. Countries like Turkey, India, and Thailand have lower labor costs and overhead expenses, allowing clinics to offer more affordable procedures. Canada and the United States typically have higher medical standards than other countries.

Are there any long-term costs after a hair transplant?

After the initial procedure, you might incur costs for follow-up visits, medications, and treatments to maintain your results. Additionally, if further hair loss occurs, you might consider secondary procedures.

Is the cost of a hair transplant covered by insurance in Canada?

No, hair transplants are considered cosmetic procedures and are generally not covered by insurance. However, financing options or payment plans may be available at some clinics. The only exception would be in case of accidental injury requiring a hair transplant.

Are there financing options available for hair transplants in Canada?

Yes, many clinics offer financing options or partner with financial institutions to provide cosmetic surgery loans. Monthly payments can make the procedure quite affordable.