Surrogacy Insurance Explained – What’s Covered, What’s Not, and How to Save

Insurance Can Make or Break Your Surrogacy Journey

You’ve dreamed of becoming a parent for years. You’ve found the right surrogate and the perfect embryo. But then—just when everything feels possible—insurance questions hit like a storm.

“Will the surrogate’s policy cover the pregnancy?”

“What if there’s a C-section?”

“Does the baby have insurance after birth?”

Here at Surrogacy4All, we’re asked these questions every day.

And we want you to know this: with the right assistance, surrogacy insurance doesn’t need to be confusing—or expensive.

We’ve assisted hundreds of families in saving $10,000–$25,000 in insurance while providing full medical coverage for the surrogate and baby.

Why Surrogacy Insurance Is Complicated (and Crucial)

Unlike standard pregnancies, surrogacy includes three distinct insurance phases:

1. The Surrogate’s Pregnancy Coverage
2. The Medical Liability of the Intended Parents
3. Care and NICU Coverage of the Newborn

All needs to be reviewed, confirmed, and documented in order before embryo transfer.

Otherwise, surprise medical charges arise months afterward.

Example :

A surrogate policy might cover pregnancy but not “surrogacy arrangements.” Without a legitimate rider or new policy, that exclusion can cost the intended parents a $30,000 hospital bill.

The Three Core Policies Every Journey Needs

Surrogate’s Maternity Coverage

• Goal: Pay for all pregnancy-related care and delivery
• Typical Plan: ACA-compliant or private PPO
• What It Covers: Pre-natal visits, OB/GYN services, hospital delivery, C-section if necessary
• What’s Not Covered: Services not related to pregnancy, preconception fertility medications, cosmetic or elective services.

Our team at Surrogacy4All screens every surrogate’s policy prior to matching so that there are no exclusions for gestational surrogacy.

Intended Parent Liability Insurance

• Goal : Ensure parents are informed in case surrogate care is not covered or if there are complications
• Typical Policy : Specialty surrogacy liability policy
• Average Premium : $8,000–$12,000 per trip
• Tip : Buy early; premiums increase after medical clearance.

Newborn Insurance (Domestic & International)

• Objective : Ensure post-delivery treatment for the baby
• For U.S. Parents : Include the newborn in your family policy within 30 days of birth
• For International Parents : Short-term travel insurance or newborn policy in the U.S.
• NICU Coverage : Check per diem maximum; high-risk deliveries can cost over $5,000/day.

How Surrogacy4All Protects Families Financially

Our doctor-driven insurance program is more than forms.

Each trip comes with an assigned medical coordinator who:

• Checks the surrogate’s current insurance for surrogacy riders
• Collaborates with insurance underwriters for bespoke maternity coverage
• Ensures newborn policies become effective immediately at birth
• Avoids duplicate billing between hospitals and carriers

Outcome : 100% of our surrogates have confirmed coverage prior to embryo transfer.

And in more than 300+ births, no family has encountered an uninsured medical charge.

The Cost of Surrogacy Insurance (2025 Overview)

Policy Type	Average Annual Premium	Notes
Surrogate Pregnancy Plan	$9,500	Prenatal, delivery, C-section coverage
Intended Parent Liability	$8,000	Defends against exclusions or complications
Newborn Health Policy	$5,500	Coverage for the baby from birth to discharge
Travel/International Policy	$2,000	For foreign parents coming home

Total Typical Cost : $20,000–$25,000 per journey

Surrogacy4All-Managed Average : $16,500

By partnering with leading insurers (e.g., Lloyd’s of London, NewLife), we secure volume rates not available to independent agencies.

What’s Not Covered — Common Mistakes to Avoid

• Surrogacy Exclusion Clause : Always look for language excluding “gestational carrier arrangements.”
• Preconception Medications : IVF meds are billed separately; rarely covered by insurance.
• NICU Out-of-Network : Hospitals vary in network coverage — always pre-verify the hospital of delivery.
• International Surrogacy Gaps :  Babies born out of the country might not have immediate citizenship, making coverage challenging.

Our insurance specialists work with you to close these gaps before they become an emotional or financial burden.

Case Study – Saving $18,000 Through Early Insurance Review

• Parents : Emily & Sameer, Toronto
• Challenge : Surrogate’s insurance excluded surrogacy pregnancy.
  
• Action : Surrogacy4All’s legal-physician team sourced a new ACA plan with no exclusion.
  
• Result :  Saved $18,000 in uninsured maternity costs and achieved full reimbursement for hospital delivery.

“We didn’t know that one sentence in a policy could make all the difference. Surrogacy4All picked up on it before we ever transferred an embryo.”

— Emily & Sameer, Toronto

The Physician Oversight Advantage

Clinicians know clinical billing in a way that agencies simply can’t.

With Surrogacy4All’s staff of fertility physicians, OB/GYNs, and insurance experts, we:

• Avoid double-charging embryo transfers
• Catch invalid billing codes upfront
• Handle hospital admissions directly with hospital administrators

This physician-controlled oversight has saved clients more than $500,000 since 2022.

International Parents – What You Need to Know

If you’re coming to the US from another country to pursue surrogacy, insurance coordination becomes even more important.

We assist with :

• Visa and medical entry paperwork
• Newborn citizenship filing with the U.S. or Canadian embassy
• Hospital-to-home transitional coverage

Best Option: Pair our International Parent Protection Plan with a U.S.-based maternity policy for the surrogate.

FAQs

Q : Can the surrogate use her own insurance?

Ans : Occasionally. We examine her policy for surrogacy exclusions prior to approval.

Q : Do I need a different policy for twins?

Ans : Yes. Twin pregnancies raise premiums somewhat (~20%) for greater NICU likelihood.

Q : What if my baby were born prematurely?

Ans : Newborn insurance pays for NICU treatment until medically cleared for discharge by the baby.

Testimonial

“We didn’t know how to approach insurance for our surrogate. Surrogacy4All’s attorneys and physicians took care of everything — we didn’t even receive a single unexpected bill.”

— Lisa & Henry, New York

Protect your journey from start to finish :

• Call : 1-212-661-7177
  
• Email : info@surrogacy4all.com
  
• Learn More : Surrogacy Insurance Guide

Related Links

• Surrogacy Cost in the USA & Canada
• Surrogacy Legal Checklist 
• Guaranteed Blastocyst Program