Financing Your Fertility Journey
At Fertility Surrogacy, we understand that growing your family is a deeply personal decision—and also a financial one. IVF, surrogacy, donor services, and fertility preservation all involve costs that can vary widely depending on your specific needs.
While we are not a lender or financial institution, we help you make informed, empowered decisions by providing transparent cost planning, budgeting support, and connections to trusted fertility financing partners.
Understanding the Costs
Every fertility journey is different. Costs can depend on a number of factors, including:
- Whether IVF, IUI, or embryo transfer is needed
- Use of a surrogate, egg donor, sperm donor, or embryo donor
- Number of IVF cycles or embryo transfers required
- Legal fees, medical testing, travel, and insurance
- Country and region (local vs. international surrogacy)
A typical gestational surrogacy journey, for example, may include:
- IVF & embryo creation
- Surrogate compensation
- Medical screening and prenatal care
- Legal contracts
- Agency or coordination fees
- Insurance coverage (for surrogate or newborn)
We’ll help you map out your full journey and understand the estimated cost of each phase—before you commit.
How Fertility Surrogacy Supports You
We provide financial clarity by:
- Helping you create a personalized financial roadmap
- Referring you to trusted fertility financing providers
- Coordinating budget planning across clinics, surrogacy agencies, legal teams, and labs
- Guiding you on where you can save without compromising care or safety
- Tracking milestones and helping you stay on budget throughout your journey
We’re here to help you balance hope with planning, so you feel financially confident every step of the way.
Fertility Financing Options
We work with reputable third-party financing companies that specialize in fertility and surrogacy funding. These may include:
- Flexible loan programs for IVF, egg/sperm storage, and surrogacy
- Installment payment plans
- Medical credit lines with fertility-specific terms
- Multi-cycle IVF package pricing with refund guarantees (available at some clinics)
- Employer fertility benefit programs (we can help you verify eligibility)
- Grants and scholarships for qualifying individuals or families
We’ll help you explore your options and connect you with the right partner based on your financial goals and credit profile.
AI Tools for Smarter Budgeting
Some of our partners also use AI-powered financial planning tools that can:
- Predict total journey costs based on your care plan
- Recommend timeline adjustments to reduce expenses
- Provide alerts and forecasts to avoid unexpected fees
- Help compare clinics or services based on price and success rate
It’s one more way we integrate technology into the fertility experience—for smarter, more confident decisions.
Financial Transparency, Always
At Fertility Surrogacy, we believe you should never feel surprised, overwhelmed, or in the dark about your finances. That’s why we’re committed to:
- Clear, upfront cost estimates
- Transparent fee breakdowns
- No hidden costs or rushed decisions
- Support at every financial milestone
Ready to Start Planning?
You don’t have to navigate the financial side of fertility alone. Our team will help you build a customized plan, explore financing options, and move forward with clarity and peace of mind.
Book a Free Consultation to begin your financial planning and learn how Fertility Surrogacy can help make your family-building dreams a reality.