Discover how surrogacy insurance in the US safeguards intended parents and gestational carriers by covering medical costs, prenatal care, delivery, neonatal support, and potential complications. Learn about typical premiums, deductibles, fertility and maternity coverage, legal protections, international and cross-border considerations, and inclusive options for LGBTQ+ families.

Entering a surrogacy journey in California is a life-changing decision—both emotionally and financially. This guide breaks down every major cost involved, from agency and medical fees to legal services and compensation for your surrogate. Whether you’re budgeting for the process or comparing U.S. surrogacy options, you'll gain a clear understanding of what to expect and how to prepare.