Surrogacy in Canada: Affordable and Legally Secure Overview, Costs, and Legal Aspects


Surrogacy is legal in Canada. Intended parents have access to world-class medical facilities and professionals.

The laws regarding surrogacy in Canada are more advantageous compared to those in the United States.

Commercial surrogacy is not allowed in Canada. This means surrogacy agreements cannot involve payment apart from medical bills and reasonable pregnancy-related costs.

This approach can help reduce the risk of legal complications and provide greater legal protection for intended parents and surrogate mothers.

Full Concierge Level Services Provided Details

In summary, we provide complete comprehensive concierge services along with discounted agency fees.

For surrogacy in Canada, the services include:

  • Finding your qualified surrogate
  • Shepherding her through full medical and psychological clearance
  • Managing your surrogate’s legal clearance and contract negotiations
  • Arranging the surrogate’s total compensation and benefits package
  • Overseeing clinic procedures from IVF treatment to delivery, encompassing all clinic appointments and procedures.
  • Complete oversight of the surrogate and pregnancy until you are home with your baby.

Total Estimated Budget

  • Agency fees are: $33,000
  • Surrogacy costs are: $36,000 to $67,000
  • Medical costs are: $10,000 to $30,000
  • Total: US $79,000 to $130,000

Please note:

  • Our costs are comprehensive, covering all medical and delivery procedures, as well as hospitalization for both the surrogate and the baby. However, certain medical complications may not be covered. Apart from parents' travel expenses and local legal procedures in their home country, no additional expenses are anticipated.
  • All financial figures may change and need to be confirmed at the time the contract is being discussed.
  • All costs are in US dollars.

Important Notes:

  • The surrogate is eligible for up to CAD $10,000 in maternity benefits from the Canadian Government. Certain conditions will apply for this payment.
  • Most medical costs for pregnancy and baby delivery may be covered by Health Canada. Hence the wide range of estimated medical costs is in the table.
  • We do recommend supplemental health insurance to cover any gaps as well as life insurance for the surrogate to minimize Intended Parent liability.
  • Kindly check with your employer’s health insurance policy to see if you have health coverage benefits for some of these costs. If so, please get the protocol and follow it to submit the receipts we issue you for insurance reimbursement.
  • If you itemize your deductions for a taxable year on Schedule A (Form 1040), Itemized Deductions, you may be able to deduct some or all of the medical expenses you paid for yourself, your spouse, and your dependents during the taxable year to the extent these expenses exceed 7.5% of your adjusted gross income for the year. The deduction is applicable solely to expenses that remain uncompensated by insurance or any other means, regardless of whether reimbursement is received directly or payment is made on your behalf to the doctor, hospital, or any other medical provider.
  • The above costs are estimates. Actual costs incurred may be higher or lower than the estimated costs depending on the surrogate selected and her requirements.

Legal Aspects

Surrogacy in Canada is regulated by both federal and provincial laws. Prospective parents in Canada must meet specific criteria to engage in surrogacy. Surrogacy agreements hold legal weight in the country, allowing intended parents to obtain birth certificates for their children without encountering legal hurdles.

The legal procedure for surrogacy in Canada is simpler and more reliable compared to that in the United States.

Indian Egg Donors does not “markup” any fees or expenses. You are billed for actual amounts incurred. The fees can be looked at as three separate categories

  • 1. Agency Fees – Paid to our agency. This covers surrogate matching, the surrogate’s medical/legal/psych clearance, coordination of clinic procedures, complete management of the pregnancy and delivery.
  • 2. Surrogate direct costs - Paid to surrogate and related expenses.
  • 3. Medical Expenses – paid by you to IVF and other clinics.


Is surrogacy legal in Canada?

Surrogacy is indeed legal in Canada, with Canadian Surrogacy Laws stipulating that intended parents are prohibited from providing financial compensation to the surrogate mother. As a result, only altruistic surrogacy arrangements are permitted.

However, it's important to note that surrogacy in Canada does have its limitations. Some of these restrictions include:

  • Surrogacy agencies in Canada are not allowed to impose fees for managing the surrogacy process.
  • Agencies are not permitted to screen and match surrogates with prospective parents.

However, specific fertility and surrogacy consultancies in Canada do offer agency-like services, which may encompass:

  • Facilitating introductions between intended parents and qualified surrogates.
  • Assisting in the creation of surrogacy contracts through private legal channels.
  • Managing clinical services to provide necessary medical support in surrogacy cases.

We are a surrogacy agency based in the USA, and we offer comprehensive surrogacy services in the United States. However, due to our licensing by Health Canada, our services for parents based in Canada are limited to providing consultation and fertility/surrogacy services, as previously outlined, to ensure compliance with Canadian law.

What are the requirements for surrogacy in Canada?

Surrogacy in Canada is governed by the Assisted Human Reproduction Act (AHRA), which includes the following main components:

Surrogacy in Canada is governed by the Assisted Human Reproduction Act (AHRA), which includes the following main components:
  • Altruistic Surrogacy: In Canada, surrogacy is strictly altruistic, prohibiting any form of financial compensation.
  • Surrogacy Agreement: A comprehensive written agreement is a mandatory component of the surrogacy process. This agreement delineates the rights and responsibilities of all parties involved, including the intended parents and the surrogate.
  • Surrogate Eligibility: Surrogates in Canada must meet specific criteria, which include being at least 21 years old and having a successful prior pregnancy and delivery experience.
  • Medical and Psychological Screening: Prior to embarking on the surrogacy journey, the surrogate is required to undergo rigorous medical and psychological assessments. These assessments ensure that she possesses the physical and mental capacity necessary for a successful pregnancy.
  • Legal Representation: To safeguard the rights and interests of all participants in the surrogacy arrangement, it is essential that each party obtains independent legal representation.
  • Donor Gametes: If donor gametes are involved in the surrogacy process, both donors are subject to medical and genetic screening to guarantee the health and compatibility of the gametes.

These are the fundamental requirements that govern surrogacy in Canada under the AHRA.

Pros and Cons

Canada has a more favorable legal landscape for surrogacy than the USA. This can reduce the risks of legal complications for intended parents and surrogate mothers. The cost of surrogacy in Canada is usually lower than in the US. This makes it a more affordable option for parents who are looking to use surrogacy.

Nonetheless, surrogacy in Canada has its potential downsides. Surrogate mothers typically receive minimal compensation beyond medical expenses and reasonable pregnancy-related costs, which can deter potential candidates. Moreover, certain medical procedures may be less accessible in Canada compared to the United States.

Intended parents should thoroughly research the laws and regulations in Canada before embarking on a surrogacy journey to ensure full understanding.

Surrogacy in Canada is a favored option for intended parents due to its affordability and legal security. In summary, it presents an appealing journey for those in search of surrogacy.

Become A Parent

FAQs for Surrogacy in Canada

“Indian Egg Donors” Surrogacy offers a variety of comprehensive solutions to assist individuals and couples throughout their surrogacy journey. Whether you prefer full support or self-management, our services cater to all your needs. By providing agency-type resources within the United States at a more affordable rate, we aim to revolutionize the process of helping childless couples create their loving families. Emphasizing transparency, security, and cost-effectiveness, ‘Indian Egg Donors‘ Surrogacy is committed to transforming the way surrogacy is approached and completed.

The changes implemented in 2019 to the AHRA Act, which governs surrogacy in Canada, will have a notable impact on surrogacy laws. Specifically, these changes aim to remove financial incentives for surrogates. Consequently, this adjustment may potentially result in increased challenges when it comes to finding surrogates within Canada.

In 2019, the Canadian government amended the Assisted Human Reproduction Act, restricting surrogate compensation to documented expenses, excluding anticipated costs. This move shifts Canada’s surrogacy towards altruism, akin to the UK. Despite potential challenges in finding surrogates, the emotional fulfillment of assisting others remains a primary motivator. Indian Egg Donors acknowledges the impact, fostering a supportive environment within these regulatory changes for altruistic surrogacy in Canada.

The lower cost of surrogacy in Canada can be attributed to lower agency fees (as agencies are technically illegal in Canada) and lower surrogate compensation.

The cost of surrogacy in Canada is lower than in the USA, but somewhat more expensive than legal programs in Ukraine or Colombia.

Depending on the province, the requirements for intended parents appearing in court for the parental judgment may vary.

In surrogacy arrangements in Canada, there are potential risks of intended parents changing their minds. Local surrogacy laws are not enforceable regarding the intended parents’ obligations. There have been cases where foreign parents abandoned a baby during pregnancy. If this were to happen, the babies would likely be put up for adoption.

There is no legal precedent as to how local courts in Canada would handle claims by a surrogate for parental rights. Some provinces, such as Ontario and B.C., have regulations stating that the surrogacy agreement is evidence of the surrogate’s intent not to be a parent of the child. In provinces where a genetic connection is necessary, a DNA test could be used to prove the baby’s genetic heritage. The assumption is that the application for parental rights would be settled favorably for the intended parents, but this has not been tested in court.

If a gestational surrogate in Canada changes her mind, she would have rights to the child at birth since Canada does not have ‘pre-birth orders’ like in some US states. In such a scenario, the intended parents would have to bring an application for legal parentage. The outcome would depend on the courts recognizing the contract’s intent and DNA tests proving genetic parentage if necessary, depending on the province. However, it should be noted that the possibility of the surrogate requesting parental rights is considered a negligible risk and has never happened in Canada.

The process for establishing parental rights in surrogacy in Canada varies depending on the province. In some provinces like Ontario and British Columbia, intended parents can register themselves as the legal parents, similar to laws in Illinois. In other provinces, parental rights are transferred to the intended mother through a court order, usually within a week or two of the delivery, similar to a post-birth order in the United States.

Yes, insurance policies should be considered to cover the costs of NICU care and hospital stays after the baby’s birth. This ensures that intended parents have appropriate coverage for any unforeseen circumstances and can mitigate the financial burden associated with medical care during the surrogacy journey.

It’s important to note that social security in Canada does not cover the child of foreign citizens. Therefore, if the baby arrives prematurely and requires NICU care or incubator usage, the costs will be the responsibility of the parents. It is advisable for intended parents to consider insurance policies that can cover these potential additional expenses.

Canada’s national healthcare service covers both the surrogate’s prenatal care and the delivery. This means that intended parents do not have to bear the costs of medical treatment during the surrogacy process, saving on healthcare expenses.

Yes, babies born through surrogacy in Canada are eligible for Canadian citizenship. This means that new parents can quickly return to their home country with their baby’s Canadian passport, providing ease of travel and immigration benefits

Surrogacy in Canada follows a mandatory altruistic surrogacy model, which means that surrogates cannot be paid for carrying a child. This legal framework ensures that surrogacy arrangements in Canada prioritize the well-being and altruistic intentions of all parties involved.

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