Fertility & Surrogacy
Surrogacy insurance and newborn cover: the policy nobody quotes you
Surrogate medical cover, newborn NICU cover and repatriation are the three policies that quietly blow up a surrogacy budget.
Three insurance policies sit outside the headline surrogacy price and each can run into five figures if you are not covered.
Surrogate medical cover
Pregnancy complications for the surrogate are often not included in the agency fee. Confirm whether the surrogate has health insurance that covers maternity, and what the deductible is.
Newborn NICU cover
A premature stay in neonatal intensive care is the single largest unbudgeted cost in many surrogacy journeys. Confirm who is responsible — the surrogate's insurance, your travel policy, or out of pocket.
Repatriation of the newborn
Bringing a premature or unwell newborn home requires medical escort and clearance. Most standard policies exclude it.
What to confirm before you match
Ask the agency for the insurance schedule in writing, and have a home-country broker review the gaps before transfer.
The Fertility portal's surrogacy journey track covers insurance as a named step.
This guide is general information, not legal or medical advice. Retain qualified counsel in the relevant jurisdiction before acting.