Starting a surrogacy journey is exciting—but it can also feel overwhelming when you start thinking about the financial side. One of the most common questions intended parents have is: what expenses can we cover for our surrogate?
To help you plan with confidence, we’ve put together a simple guide to allowable reimbursements, typical costs, and ways to stay organized throughout the process.
In Canada, reimbursing your surrogate is not the same as paying them a wage. Instead, you’re covering reasonable expenses directly tied to the pregnancy and the process. These generally fall into a few categories:
Prenatal check-ups and medications
Delivery and hospital fees
Medical insurance premiums
Travel costs for medical appointments
Maternity clothing
Special dietary needs recommended by a doctor
Childcare during medical appointments
Lost wages (with proper documentation)
Legal representation for the surrogate and intended parents
Counselling and emotional support services
Insurance, including life insurance when needed
Keeping accurate records is essential for transparency and peace of mind. Make sure to:
Save all receipts and documentation
Use a spreadsheet or tracking app to log expenses
Share regular expense reports so everyone is on the same page
Reimbursements are typically not considered taxable income for the surrogate. Still, every situation is unique, so it’s best to confirm with a tax professional.
Based on recent industry data, here’s what you can expect to budget for:
Total Range: $30,000–$60,000 CAD[5]
Medical: $15,000–$25,000
Legal: $5,000–$10,000
Living and Other Expenses: $10,000–$25,000
Planning for surrogacy costs may feel like a big task, but with clear guidelines, open communication, and good record-keeping, it becomes much more manageable. By covering the necessary expenses, you’re creating a safe and supportive journey for your surrogate—and taking one step closer to welcoming your baby.