Understanding surrogacy costs is an essential part of your family-building journey. In 2025, prices have evolved to reflect inflation, medical cost increases, and insurance policy changes, including updates from the Trump IVF Insurance Order, which could make IVF coverage more accessible for many intended parents.
At Surrogacy4All, we provide transparent, all-inclusive packages that help intended parents plan confidently—with no hidden fees.
Surrogacy costs vary depending on the country, legal environment, and medical complexity of your case. Here’s a quick comparison:
| Country | Average Cost (USD) | Legal Certainty | Citizenship Outcome | Typical Timeline |
| USA | $120,000–$180,000 | Very High | U.S. Citizenship | 12–18 months |
| Canada | $80,000–$120,000 | High | Canadian Citizenship | 14–20 months |
| Ghana | $55,000–$87,000 | Moderate | Case-by-case (based on parents’ nationality) | 10–14 months |
Our all-inclusive surrogacy cost covers every step of your journey—from matching to delivery—so you know exactly where your money goes.
In some cases, extra costs may apply depending on your individual needs:
All optional expenses are discussed transparently before your program begins.
There are several ways to make your surrogacy journey more affordable in 2025:
Insurance Coverage
Some U.S. policies now cover IVF and embryo transfer costs under the new IVF insurance rules.
Fertility Grants
Several organizations offer financial aid and grants to help offset surrogacy costs.
Health Savings Accounts (HSA/FSA)
Use pre-tax funds to pay for fertility treatments and medical expenses.
Tax Deductions
Many surrogacy-related medical and legal expenses qualify as deductible medical costs.
Compare International Options
Programs in Canada or Ghana offer lower-cost options while maintaining ethical and medical quality standards.
The average cost in the USA ranges from $120,000 to $180,000, depending on factors like medical complexity, surrogate compensation, and insurance coverage.
Surrogates are reimbursed for medical expenses, maternity clothing, travel, childcare, lost wages, and recovery-related costs.
Yes. Some insurance plans now include IVF and embryo transfer coverage under the Trump IVF Insurance Order (2025), reducing overall expenses for intended parents.
Every surrogacy journey is unique. 💬 Click here to request your free personalized surrogacy cost estimate Our specialists will help you create a customized plan that fits your budget, country preference, and family goals.
Our job is to listen, to connect the dots between your needs, and to determine how we can best help you have your baby. If you’re asking how much does it cost for a surrogate, we’ll walk you through every step of the process to ensure there are no surprises.
To make an appointment with one of our counselors or physicians, please call (212) 661-7673 or email info@surrogacy4all.com. We look forward to hearing from you.
Surrogacy4All is a unique international surrogacy service targeted at providing state of the art IVF and surrogacy services to Intended Parents irrespective of age, sex or color, at the lowest possible cost in the world.
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