How Much Does Surrogacy Cost In Canada: Is This Option Suitable for Your Couple?
December 11 2022

 In Canada, it is illegal to pay for the services of a surrogate or to purchase human sperm and eggs. Federal law allows only altruistic surrogacy—in which no compensation is exchanged between parties—and agencies that match surrogates with parents are restricted. Commercial services supporting either party involved in procreation (i.e., the parents or surrogate)—are prohibited by federal legislation.

The question arises how much for surrogate in Canada. In Canada, surrogacy is legal but restricted — most of the bureaucracy is handled by individual provinces. The law permits only altruistic surrogacy, in which case that means there cannot be any payment greater than out-of-pocket expenses involved.


It is against the law for agencies to legally match surrogates with future parents for payment, or charge money for managing a surrogate’s cycle or pregnancy. In theory—and in practice as well—every Canadian surrogacy journey should be an Independent one.


However, many “consultancies” clearly disregard the law and provide agency-type services. They will introduce parents to qualified surrogates and arrange a private surrogacy contract with a Canadian lawyer—but all without government authorization or oversight. Clinic consultancies can manage the clinic services and help move a journey along, but it is common for such practices to be closed by Canadian authorities when they stray too far beyond legal limits.

How Much Is Surrogacy In Canada: How Much Will You Pay? 

It is important to figure out how much surrogacy cost in Canada. Canada is more expensive than many couples expect. How much is surrogacy in Canada? The total cost of having a baby through surrogacy could be about $85,000 USD if everything goes smoothly during the first transfer and your surrogate gets pregnant right away. Commercial surrogacy is banned in Canada, but the surrogate can be reimbursed for her expenses.


In Canada, there is no legal definition of eligible expenses and a contract with the surrogate can define them at whatever amount. However, in practice the typical range for such expenses is about $25000 to $30000 USD. You may have to pay extra for the surrogate's therapy, organic food, wellness programs, and lost wages if she is a particularly demanding or experienced one. Medications also may not be included in initial clinic proposals, which can be quite expensive.


We are often asked how much a surrogate cost Canada. Prices in Canada are typically lower than those charged by US providers for the same service, but new programs launched recently in the United States tend to be more affordable.

  • Attorneys’ fees around $20,000
  • Clinical procedures about $25,000
  • Surrogate compensation about $30,000
  • Egg donor from $5000 to $15,000
  • Travel, hotel, etc. can be about $5000 to $10,000

The total cost of IVF treatment is around $85,000—but this can vary significantly depending on the number of initial embryo transfers. Additional attempts are anywhere between $3,000 and $5,000 per attempt.


Medical costs for the surrogate and the baby are a mixed bag. All the care of the surrogate before and after childbirth is covered by social security. But the care of the baby after the birth is the responsibility of the parents and may require private medical insurance or hefty out-of-pocket expenses. Rates of hospital care for a baby are about $1000/day.

Compare this with the cost of surrogacy in Ukraine or in the United Kingdom.


How Much Surrogacy Cost In Canada: Changes to Surrogate Compensation Regulations

How much is surrogacy in Canada? This question is asked by all future parents who want to start their journey in Canada. In the summer of 2019, Canada’s government announced changes to the law that regulates surrogacy in this country. These changes include (among other things) a clarification about reimbursing a surrogate's expenses. Surrogates in Canada are now legally required to provide proof of every expense they claim during the surrogacy process. Under these new rules, there is no longer any financial incentive—although many women find it an emotionally fulfilling experience.


Although surrogacy in Canada is limited to altruistic programs only, the payments made to a surrogate have been based on anticipated aggregated costs and not necessarily actual out-of-pocket expenses. The changes to the AHRA make it impossible for surrogates to get paid for any expenses they don't have a receipt for. As a result, there's no longer any financial incentive to become an egg donor. 


The likely result of the changes to the Assisted Human Reproduction Act will be that surrogacy in Canada remains technically legal but finding a qualified surrogate may take longer. These changes make Canadian law similar to altruistic surrogacy laws in Britain.

How Much For Surrogate In Canada: Positive Aspects 

In Canada, the benefits of surrogacy include lower costs than premium agency-managed programs in the United States. Those programs can cost from $90,000 USD to more than $120,000—higher costs that may be justified by superior medical care and legal protections available there. The cost of surrogacy in Canada is about $85,000 CAD (about $75,000 USD). Savings are due to lower agency fees and mandatory altruistic surrogacy as well as the value of the Canadian dollar.


Canada recognizes surrogacy births, which means that new parents can return home with their baby's citizenship as soon as he or she is born. In Canada, national health care provides coverage for all prenatal and delivery expenses, saving the cost of insurance premiums or out-of-pocket payments. 


However, since social security does not cover the child of a foreign citizen—and therefore doesn't pay for neonatal intensive care or an incubator if the baby is born prematurely—the parents must be prepared to handle those costs.If the baby is premature and requires NICU care, expect to pay up to $5,000/day (and stays of 2–3 weeks are not uncommon). There are insurance policies available that may cover some or all of these costs; it's best for you to talk about them before your embryo transfer.


So the question of how much does surrogacy cost in Canada is a difficult one for many future parents. Due to the rather complicated system in Canada  You can see that each program has its pros and cons. It will take a lot of time to get acquainted with all the nuances, so it's best to trust the professionals and enjoy your surrogacy journey!


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