Understanding Reimbursements: What Costs Are Covered for Surrogates?

Introduction

One of the most common questions from aspiring surrogates is: What expenses are covered during the surrogacy journey in Canada? Since only altruistic surrogacy is legal, surrogates do not receive payment—but they are fully reimbursed for all approved and necessary costs. This guide from Surrogacy4All outlines everything you need to know to feel financially secure and legally protected.

What Does “Reimbursement” Mean in Surrogacy?

In Canada, surrogates cannot be paid for their services. However, they are entitled to be reimbursed for:

• Pregnancy-related expenses
• Medical appointments and procedures
•  Childcare and lost wages
• Approved travel and accommodations
• Vitamins, medications, and maternity supplies

These reimbursements are reviewed under federal law and documented for compliance.

Detailed List of Covered Expenses

• Fertility medications: (pre-transfer hormone therapy)
• Embryo transfer-related travel and lodging
• Prenatal appointments and follow-up tests
• Lost income during recovery periods (doctor-approved)
• Childcare and housekeeping: during bed rest or hospital visits
• Maternity clothing, supplements, and comfort items
• Insurance premiums if private surrogacy insurance is required

Government Support: Employment Insurance (EI)

Many surrogates qualify for 15 weeks of EI maternity benefits from the Canadian government. Surrogacy4All helps you apply and track your eligibility.

• Average Benefit Amount: $10,000 CAD (depending on income)
• Application Required: Yes, through Service Canada

How Surrogacy4All Manages Reimbursements

• Your case manager walks you through the reimbursement process
• We provide templates for tracking receipts and approvals
• Our finance team reviews and coordinates all payments with intended parents
• No out-of-pocket burden when policies are followed
• Transparent, timely reimbursements with clear documentation

How Much Do Surrogates Typically Receive?

• Typical Reimbursement Range (Total): $45,000 – $87,500 CAD

Breakdown

• $35,000–$77,500 from Intended Parents (expenses only)
• $10,000 in EI maternity benefits (if applicable)

Real-Life Perspective from a Surrogate

“I was worried about affording everything, but Surrogacy4All made the process simple,” says Kim, a first-time surrogate. “Every time I submitted a receipt, I got reimbursed within days. And when I needed help, my coordinator was just a phone call away.”

Conclusion and Call to Action

As a surrogate in Canada, you deserve peace of mind that your expenses will be fully covered. Surrogacy4All provides unmatched transparency and efficiency so you can focus on what matters most — bringing a family their miracle.

 1-212-661-7177
 info@surrogacy4all.com
 https://www.surrogacy4all.com/become-a-surrogate-in-canada