Surrogacy and Egg Donor Insurance: Complete Guide to Coverage and Protection

Ever wondered what really happens if something goes wrong during a surrogacy or egg donation journey and who’s responsible for the bill?

When it comes to third-party reproduction (surrogacy, egg donation, or embryo donation) insurance can be one of the most confusing and overlooked parts of the journey. But as Virginia Hart from ART Risk Solutions explains, it’s also one of the most critical.

In this episode, host Eloise Drane sits down with Virginia to demystify the complex world of fertility insurance, what’s covered, what’s not, and how to make sure everyone involved in a surrogacy or donor arrangement is fully protected. From complications and medical coverage to life insurance and newborn care, Virginia breaks down what you must know before signing any contract or starting treatment.

Whether you’re an intended parent, surrogate, donor, or professional in the fertility field, this episode offers the clarity and confidence you need to safeguard your journey.

Timestamps:

• 00:00 – Meet Virginia Hart, founder of ART Risk Solutions.
• 02:14 – Why fertility and surrogacy insurance are so confusing.
• 03:47 – How ART Risk protects parents, surrogates, and donors.
• 06:23 – Core coverages every surrogate needs.
• 08:36 – Why complication insurance is essential.
• 10:18 – The real cost of going uninsured.
• 12:04 – ACA and Lloyd’s of London options explained.
• 15:12 – Commonly forgotten policies that matter most.
• 17:43 – What intended parents should budget for.
• 20:29 – How ART Risk manages claims and bills.
• 23:11 – Planning newborn coverage and NICU care.
• 26:48 – Insurance for international intended parents.
• 30:37 – The toughest states for surrogacy coverage.
• 36:09 – IVF coverage and new fertility benefits.
• 40:46 – Final advice: ask, “Am I protected and how?”
  
  

Connect with Virginia:

Instagram: @art.risk.solutions

Website: https://www.facebook.com/artriskfinancial/

Resources mentioned:

• ASRM (American Society for Reproductive Medicine): https://www.asrm.org
• RESOLVE: The National Infertility Association: https://resolve.org/
• Academy of Adoption and Assisted Reproduction Attorneys: https://adoptionart.org
• SEEDS (Society for Ethics in Egg Donatio...

Chapters

• (00:00:00) - Insurance for surrogacy and egg donation
• (00:00:41) - What is Affirmative Reproduction Insurance?
• (00:02:13) - Getting Out of the Insurance Industry
• (00:03:24) - What Types of Insurance Were People Confused About?
• (00:04:06) - What Kind of Insurance Do You Provide For Donor/Surrog
• (00:06:19) - Importance of surrogacy insurance
• (00:12:41) - What happens if a surrogate doesn't have a health insurance plan?
• (00:19:26) - Obstructions during IVF
• (00:21:59) - What Should the Baby's Medical Coverage Be?
• (00:25:36) - Art Risk Provides Support for Surrogates' Medical Bills
• (00:27:18) - Obtained surrogacy insurance in the United States
• (00:32:57) - Surrogacy and Workplace Benefits
• (00:36:47) - Choosing a surrogate for the first time
• (00:38:59) - If You Could Give One Advice to Surrogates and Donors
• (00:40:15) - How to Find Out More About Art Risk
• (00:40:51) - Fertility Cafe: Today's Conversation