Surrogate Compensation – What’s Reimbursed and What’s Not?

Introduction

One of the most common questions women ask before becoming a surrogate is:
“How much will I be paid?”

In Canada, the answer is unique: surrogates are not paid in the commercial sense. Instead, they are fully reimbursed for expenses incurred during pregnancy. This is in line with Canada’s Assisted Human Reproduction Act (AHRA), which allows only altruistic surrogacy.

That doesn’t mean surrogates are left unsupported. In fact, reimbursements can total $45,000–$87,500 CAD, covering everything from childcare to maternity clothes to lost wages. This guide explains exactly what’s reimbursed, what’s not, and how reimbursement works in practice.

What’s Reimbursed in Canadian Surrogacy?

The law allows surrogates to be reimbursed for reasonable, documented expenses directly related to pregnancy.

Eligible Categories:

1. Medical Costs – Medications, prenatal vitamins, medical appointments not covered by insurance.
2. Travel Expenses – Gas, flights, taxis, hotel stays for medical visits.
3. Maternity Needs – Clothing, prenatal support items, supplements.
4. Childcare Costs – For the surrogate’s children during appointments or recovery.
5. Lost Wages – If a doctor advises the surrogate to take time off work.
6. Household Help – Cleaning or meal services if medically required.
7. Legal Fees – Independent legal advice, covered by intended parents.

💡 Expert Quote:

“Canadian surrogates aren’t ‘paid’ in the commercial sense, but they’re never left out of pocket. Every pregnancy-related expense is covered.” – Dr. Kulsoom Baloch

What’s NOT Reimbursed?

The AHRA prohibits payment beyond reimbursement. That means:

• No base salary or stipend beyond expenses.
• No “gifts” or bonuses for being a surrogate.
• No luxury expenses (e.g., spa treatments unless prescribed for medical reasons).
• No profit-making items—everything must be documented and tied to pregnancy.

How Are Expenses Reimbursed?

Surrogates must:

1. Keep receipts and invoices for all expenses.
2. Submit reimbursement requests to intended parents or through the agency.
3. Receive prompt payment—usually within 30 days.

Most intended parents and agencies use structured reimbursement schedules to avoid delays.

Case Study – Amanda’s Experience

Amanda, 34, Ontario

Amanda became a surrogate for an international couple. Over the course of her pregnancy, her reimbursements totaled $68,000 CAD.

• Childcare for her two kids: $9,000
• Travel to Toronto clinic: $5,500
• Lost wages: $12,000
• Maternity clothing and health items: $3,200
• Legal fees: $4,000
• Miscellaneous approved expenses: $2,500

“I didn’t earn a salary, but I never spent a dollar of my own money. Everything was covered.” – Amanda

Testimonials

“The reimbursement system was fair and transparent. I felt respected.” – Rachel, Alberta

“At first I worried about money, but every legitimate cost was taken care of.” – Sophie, BC

“I appreciated how Surrogacy4All ensured reimbursements were organized. I never had to argue for what I needed.” – Leila, Ontario

Internal Linking Suggestions

• Understanding Altruistic Surrogacy in Canada
• Legal Guide to Surrogacy Contracts in Canada
• Surrogacy Timeline in Canada – What to Expect

FAQs

Q: How much reimbursement do surrogates typically receive?

Ans: Usually $45,000–$87,500 CAD, depending on circumstances.

Q: Do I need to keep receipts?

Ans: Yes, receipts are required to show expenses were legitimate.

Q: Are surrogates ever out of pocket?

Ans: No, if reimbursements are managed properly.

Q: Can intended parents give gifts?

Ans: Small tokens of appreciation may be allowed, but financial gifts are prohibited.

Next Steps with Surrogacy4All

At Surrogacy4All, we ensure surrogates are never financially burdened. From childcare to maternity leave, your expenses are fully covered so you can focus on a safe, positive pregnancy.

👉 Apply Now   📞 Call 1-212-661-7177  📧 Email info@surrogacy4all.com