ALL-IN Cost of Surrogacy

You're not alone—1 in 6 couples in the U.S. experience infertility, and many others find hope and healing through surrogacy as their path to parenthood.Choosing to grow your family through surrogacy is one of the biggest decisions you'll ever make—and one of the most meaningful. At Worldwide Surrogacy Specialists (WWS), we understand how important it is to plan ahead with clarity and confidence. That’s why our all-in surrogacy pricing is built to be transparent, predictable, and free of surprises. From your first consultation to holding your baby, you’ll know exactly what to expect every step of the way.

As many as 100 families per year helped through WWS—and counting. 

We’re proud to share dozens of real surrogacy stories from parents who’ve been right where you are.

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How Much Will Your Surrogacy Journey Cost?

So, how much does a surrogate cost? On average, the surrogacy cost through WWS (not including your fertility clinic costs typically ranges from $140,000 to $160,000, depending on your unique circumstances. This estimate covers the full process from agency fees to legal work, health insurance, the surrogate’s travel, surrogate’s compensation, and more.

Here’s a general breakdown of what’s included in the surrogacy price:

  • One-time agency fee
  • Surrogate base compensation and extra payments in her contract
  • Legal expenses
  • Insurance premiums & deductibles
  • Surrogate’s travel
  • Surrogate’s lost wages
  • Additional contingencies (e.g., twins, complications)

We’ve structured payments in phases, typically beginning with an initial deposit, followed by milestone-based installments. This phased approach gives intended parents a more manageable way to handle financial planning.
To see the full surrogacy process, visit our surrogacy process page.

Factors that Contribute to Surrogacy Costs

No two families are the same, and neither are their surrogacy costs. A few key factors that can impact your final price include:

  • Location: Surrogate compensation can vary by state due to the cost of living.
  • Number of IVF cycles: Some intended parents may need more than one cycle to achieve pregnancy.
  • Embryo transfers: Fresh vs. frozen transfers can come with different expenses, although the great majority of embryo transfers currently are transfers with frozen embryos.

Complications: Medical complications may lead to additional costs for both medical care and surrogate support. However, at Worldwide Surrogacy, we are very careful and knowledgeable about surrogacy insurance issues. Our team will ensure you have clear options to choose insurances that will protect you and your surrogate.

Let’s break it down further so you know exactly what you’re paying for:

Assisted Reproductive Technology & Medical Expenses

We coordinate with some of the top IVF clinics across the U.S. to ensure excellent care. Your medical fees typically include:

  • IVF procedures, embryo transfers, medications, and monitoring
  • Surrogate screening and medical clearance
  • Egg donor costs (if needed)

Insurance Premiums & Deductibles

  • Maternity insurance for the surrogate
  • Life Insurance for the Surrogate
  • Insurance Riders to cover the Surrogate’s lost wages or loss of reproductive organs
  • Extra coverage for twins, if applicable
  • Newborn insurance (essential for international families)
  • Options for newborn travel insurance

Unreimbursed Medical Expenses

Even with insurance, there are out-of-pocket expenses:

  • Vitamins, co-pays, and transportation to appointments
  • Lost wages if the surrogate is on bed rest
  • Childcare and housekeeping when needed

Legal Fees

We provide legal guidance from start to finish, including:

  • Drafting and reviewing the Gestational Carrier Agreement (GCA)
  • Legal clearance for IVF clinics
  • Parental rights establishment (pre- or post-birth orders)
  • Legal support for both domestic and international parents

Agency Fees

This covers the unparalleled support system we provide for intended parents and surrogates:

  • Matching and case coordination
  • Legal and Insurance guidance
  • Competent interfacing with your fertility clinic
  • Conflict resolution and emotional support
  • Education and resources
  • Administrative compliance

Escrow Management Fee

Your funds are handled safely through an independent, third-party escrow service. Learn more about escrow in surrogacy and why it’s important.

Surrogate Compensation

  • Base pay (varies by location and experience)
  • Monthly allowance and maternity clothes stipend
  • Reimbursement for lost wages, childcare, housekeeping and travel
  • Additional compensation for C-section or other invasive procedures
  • Access to psychological support and wellness stipends

If you’ve ever wondered about the surrogate mother cost, this is a big piece of the equation.

Need more support understanding surrogacy fees? Schedule a free consultation today and get answers tailored to your unique situation.

Book Your Free Consultation

Why Choose Worldwide Surrogacy?

What Is the Worldwide Surrogacy Difference? 

Unlike many other surrogate agencies, WWS is led by a reproductive attorney and offers a truly personalized experience with legal, emotional, and logistical support built in. Our team is a family-focused team providing deeply personalized support, backed by strong partnerships with leading IVF clinics, legal experts, and mental health professionals. 

With thorough surrogate screening and a strong track record of helping international and domestic intended parents as well as straight couples facing infertility, and LGBTQ+ couples in need of reproductive options, WWS provides trusted guidance and support through every step of the surrogacy process.

Why Use WWS for the Surrogacy Process? 

  • All-in transparent pricing with no last-minute fees
  • Legal protection built into every step
  • Compassionate, full-service support for both parents and surrogates
  • Advocacy for LGBTQ+ parenting rights and family building

Read more about what sets us apart on the Why WWS page.

Surrogacy Cost FAQ

Is the surrogate’s medical care included?

Yes because we will guide the process for her to have medical insurance to cover her prenatal, delivery, and postpartum care.

Are legal expenses included?

Absolutely. Legal contracts, clearance, and parentage orders are part of your all-in fee.

How are payments made?

We use milestone-based payment plans, managed through an independent escrow account.

Can I get financing options for surrogacy?

Yes. We’ll connect you with providers offering medical and fertility financing.

Do intended parents pay more for twins?

Typically, yes, due to higher medical risks and additional insurance coverage.

What happens if there's a miscarriage?

We have support protocols in place. Certain medical and surrogate-related costs may still apply.

Is surrogacy covered by insurance?

Most health insurance plans do not cover the full surrogacy process, but newborn coverage and surrogate maternity policies are available.

What’s the average surrogate cost?

The average surrogate base compensation is around $55,000 to $85,000, depending on her experience and location.

Ready to Start Your Surrogacy Journey?

Becoming a parent through surrogacy is an act of hope and love, and you don’t have to do it alone. We’re here to guide you every step of the way.

Still have questions or concerns? We get it.
Our surrogacy team is here to listen, answer every question, and walk with you, no pressure, no commitment. Book Your Free Consultation or Talk to a Team Member Today!

Intended parents

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Interested in starting or building your family through surrogacy? Schedule a consultation today to meet our team and learn more.

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