Surrogacy escrow services provide a secure, neutral structure for handling all financial payments throughout your journey, giving both you and your surrogate peace of mind.

At American Surrogacy, we offer both n-house accounting services and the option to utilize an independent third-party escrow provider—whichever is the right fit for your unique situation.

In this article, we’ll explain what surrogacy escrow is, how it works, the important differences between in-house and third-party services, and how we ensure your funds are protected every step of the way.

To learn more about how escrow works and how we protect your funds every step of the way, fill out our quick form now. Our surrogacy specialists are ready to help you.

Third-Party Vs. In-House Surrogacy Escrow Services

Surrogacy escrow services are a financial arrangement that ensures funds are safely managed and distributed during the surrogacy process.

As you progress through your surrogacy journey, your escrow manager will distribute funds based on predetermined milestones established in your contract.

Think of a surrogacy escrow account like a prepaid gift card. You deposit funds into the account, and as your surrogacy process unfolds, the escrow manager releases the funds based on your agreed-upon milestones.

Funds you deposit in escrow are used for all your surrogacy costs, from medical expenses to surrogate compensation.

There are important differences between in-house accounting services and third-party escrow:

Third-Party Surrogacy Escrow Services

A third-party escrow service is a company independent of the surrogacy agency that specializes in managing and distributing client funds.

Pros:

• Neutrality: Completely independent, ensuring an impartial relationship between the agency, intended parents, and the surrogate.
• Financial Protection: Funds managed by a trusted third-party are often insured, providing an extra layer of protection.
• Transparency: High transparency as the third-party can independently report on all transactions and balances.
• Legal Compliance: Required for surrogacy in some states, ensuring the process meets all regulatory mandates.

Cons:

• Additional Cost: Typically more expensive due to the third-party’s management fees.

In-House aCCOUNTING sERVICES

In-house accounting services, like those offered by our agency, involve a dedicated, on-staff financial team who manage the escrow funds in a secure, segregated account.

The escrow manager is an expert member of the agency’s staff. This is often done to streamline the process and save on external fees.

Pros:

• Lower Cost: Often less expensive because no separate third-party company is involved.
• Streamlined Management: Direct communication between your agency team and the financial manager ensures quicker, more efficient disbursement.
• Agency Oversight: Funds are managed by a professional team you already trust, backed by the agency’s extensive experience in financial management.

Cons:

• Perceived Lack of Neutrality: Since the agency manages the funds, some clients may perceive a lack of impartiality compared to an outside firm.
• State Limitations: This option may not be available in all states due to specific regulatory requirements that mandate the use of an independent third party.

The Right Option for You

• In-House Accounting: Our in-house services offer a cost-effective and highly streamlined process, managed by a professional team intimately familiar with your surrogacy contract.
• Third-Party Escrow: For clients in states where it is required or for those who prefer an independent service, we can connect you with specialized third-party escrow companies.

You can learn more about surrogacy escrow services and start building your financial plan by contacting a surrogacy specialist today.

Why Surrogacy Escrow Services Are Important

Escrow services protect both parties by ensuring that the surrogate is compensated only after her milestones are met and that intended parents’ funds are not misused.

They also provide clear, documented proof of payments, adding a layer of transparency and accountability.

How Payouts Work in Surrogacy Escrow

Payouts in a surrogacy escrow follow the guidelines laid out in the surrogacy contract. The contract will outline milestones and the funds allotted to cover these.

Once the agency can provide evidence a milestone has been reached and the escrow agent can verify this, payments will be released.

For example, your contract may specify that the surrogate will begin receiving her base compensation payments once a pregnancy is confirmed at her clinic.

How to Establish an Escrow Account for Surrogacy

Establishing an escrow account can be fairly simple, especially when working with a full-service agency.

Because we offer both in-house accounting services and established partnerships with trusted third-party escrow services, we ensure your funds are managed securely and fairly from the very start, regardless of the option you choose.

Here’s how the process typically works:

Step 1. Reach Out to a Surrogacy Agency

A reputable agency will guide you toward the best financial management option for your situation, whether that is our experienced in-house accounting team or a specialized, independent third-party escrow company.

They will ensure that your funds are in safe hands and properly managed according to your state’s requirements.

Step 2. Review the Surrogacy Contract

Once you choose an agency, you’ll finalize and sign a surrogacy contract.

This document outlines all the terms of your arrangement, including the specific milestones and payment schedules that govern when and how funds will be disbursed from the escrow account.

Step 3. Fund Your Escrow Account

After the contract is in place, you’ll deposit the necessary funds into the dedicated escrow account.

Your agency will then be able to work with the escrow manager to draw from the account to cover surrogacy-related expenses, such as surrogate compensation and medical fees, as agreed upon in the contract.

Step 4. The Agency Takes Care of the Rest

The agency will work directly with the escrow manager (whether that’s our internal finance expert or the third-party company), ensuring that all payments are handled precisely according to the terms set in your contract.

We will set up the accounts for you. The only thing you’ll need to focus on is making sure the surrogacy contract outlines a payment process you find agreeable.

You won’t need to worry about the day-to-day management of payments, your agency and the escrow manager will handle it all.

Surrogacy Escrow with American Surrogacy

At American Surrogacy, the safety and security of your escrow funds are paramount.

We empower you to choose the option that best fits your needs and your state’s laws: our expert in-house accounting services or a trusted third-party escrow provider.

Decades of Proven Experience

Our financial management is built on the expertise of our sister agency, American Adoptions, which has decades of experience successfully managing client funds.

This history provides an unparalleled level of financial stability and professionalism.

We Protected Families During the SEAM Breach

We understand the trust you place in us. Our dedication to financial protection was publicly demonstrated when we shielded intended parents’ funds during the 2023 SEAM escrow breach by paying them back from our own internal reserves.

While this was a one-time occurrence, it underscores that our clients’ funds are safe with us and highlights our commitment to ensuring your financial security, regardless of external circumstances.

You can learn more about surrogacy escrow services by contacting a surrogacy specialist today.

Surrogacy is a team effort. Intended parents, the surrogate, and the clinic each play a part, and the agency keeps everyone in sync.

When it comes to the embryo transfer—the moment everything comes together—surrogacy agencies that coordinate embryo transfer logistics and clinic partnerships handle the moving pieces so you can stay focused on becoming parents.

Contact a surrogacy specialist to talk through your next step and how coordination works in real life.

How Do Surrogacy Agencies Coordinate Embryo Transfer Logistics with Fertility Clinics?

Your case manager tracks dates, medications, and approvals so the clinic, surrogate, and intended parents stay aligned. This reduces delays, prevents mix-ups, and keeps the transfer on schedule.

Behind the scenes, your case manager functions like a project lead. They confirm clinic requirements, collect consents, coordinate labs, and keep a master timeline everyone can follow. You get clear updates instead of chasing details.

Coordinating Care with the Fertility Clinic of Your Choice

When you reach out, we first confirm whether you already work with a clinic and whether embryos are created.

You must have existing embryos before you can be formally matched with a surrogate. If you have remaining embryos from a previous IVF attempt, we can usually coordinate their use for surrogacy.

If you don’t have a clinic yet, we can provide you with the names of reputable providers in your state and how to vet fertility clinics to ensure a comfortable fit.

We stay flexible: you choose the clinic; we make the logistics simple. From referral paperwork to appointment planning, your case manager keeps the process moving and expectations clear.

What Happens After Embryos Are Created?

Once your embryos exist, we can officially match you with a surrogate. After both sides say yes, attorneys draft and finalize the gestational carrier agreement.

With contracts complete, the clinic and agency align calendars, confirm medications, and set the transfer date. You’ll know what to expect, when, and why.

We provide a simple timeline you can reference at a glance—no guesswork.

If a lining check suggests more time is needed, or if illness or weather affects travel, we coordinate quick adjustments with your clinic and the surrogate. You won’t have to renegotiate logistics on your own.

How Does Embryo Transfer Work in a Surrogacy Arrangement?

The transfer is the most anticipated day of the medical journey. Our coordination ensures these critical steps happen seamlessly:

Step 1: Medical Clearance

The surrogate completes medical and psychological screening. The clinic issues formal clearance after reviewing her file, which is prepared and submitted by your case manager.

Step 2: Physical Screening

To complete medical clearance, the surrogate will travel to your fertility clinic for an in-person physical screening, which typically includes a full physical exam and ultrasound to assess the uterus.

Your agency coordinates all travel, lodging, and reimbursement for this essential step.

Step 3: Hormone Preparation

The clinic prescribes a lining-prep protocol (commonly estrogen and progesterone). Your case manager tracks start dates, refills, and monitoring appointments and relays results to the clinic.

Step 4: The Transfer

The embryo is placed under ultrasound guidance. It’s quick and typically painless. After brief rest, the surrogate follows clinic instructions for travel and aftercare. We coordinate follow-up labs and the pregnancy test schedule.

Step 5: Post-transfer monitoring

We help schedule beta hCG tests and early ultrasounds, share results with all parties, and keep your next steps clear. If a new attempt is needed, we regroup with your clinic to set a refreshed protocol and calendar.

Learn more about what to expect from the surrogacy timeline.

Who Coordinates the Timeline and Medical Records?

Your agency does. Case managers gather records, verify labs and immunizations, and send everything the clinic needs in the format it prefers.

We maintain a single source of truth for appointments, cycle starts, medication changes, and results. You see the plan, and you see progress.

One dashboard, one point of contact, no crossed wires.

What If the Surrogate and Fertility Clinic Are in Different States?

Distance is common and manageable. Most surrogates are more than willing to travel for screening and transfer to your clinic, and we arrange flights, hotels, and per diem. This travel coordination is always handled by your agency.

If you prefer, embryos can be shipped to your surrogate’s clinic through accredited cryo-couriers, but travel to your clinic is often simpler and keeps your care with your chosen team.

Shipping Checklist (If You Choose This Option)

• Courier booking and chain-of-custody forms
• Tank preparation and temperature logs
• Clinic-to-clinic handoff
• Immediate confirmation on receipt

What is the Agency’s Role in Financial Coordination for Embryo Transfer?

Coordinating the transfer is about more than just dates—it’s about protecting your financial investment.

Surrogacy agencies that coordinate embryo transfer logistics also manage the financial exchange that powers the medical process.

The agency manages your dedicated escrow/trust account to ensure all transfer-related costs are handled promptly, including the surrogate’s travel expenses, per diem, and medication co-pays or reimbursements per the legal contract.

This precise financial management prevents critical delays caused by reimbursement friction, ensuring the surrogate is never out-of-pocket and the cycle stays on schedule.

Why Working with an Agency Experienced in Fertility Clinic Coordination Matters

Experience smooths the path. Surrogacy agencies that coordinate embryo transfer that have deep clinic relationships know preferred forms, timelines, and points of contact.

We’ve worked with many intended parents whose journeys have involved reputable providers across the country. This means we have deep insight into what makes a clinic surrogacy-friendly.

That familiarity speeds scheduling, reduces rework, and helps anticipate next steps—especially if plans change. You get steadier communication and fewer surprises.

We’ve coordinated with respected clinics nationwide; we’ll meet your team where they are.

How American Surrogacy Supports You Through the Medical Process

From the first call to the beta test, you’re not carrying this alone. We:

• Offer guidance on what to look for when selecting a fertility clinic.
• Manage records, travel, and schedules for screening and transfer.
• Keep you updated with plain-language timelines and next steps.
• Offer contingency planning if a cycle is postponed or a transfer isn’t successful on the first try.

If you’re early in IVF, we can help you line up providers so matching and medical prep work together—not in conflict.

Ready for clear coordination and steady support? Contact a surrogacy specialist.

Contingencies and What-Ifs

If the transfer doesn’t stick: We debrief with your clinic, review protocol options, and help you decide on the next attempt without losing momentum.

If travel is disrupted: We hold backup itineraries, coordinate telehealth where appropriate, and protect critical appointments on the calendar.

If you change clinics: We request and transmit complete records, confirm compatibility with your surrogate, and rebuild the schedule quickly.

Quick FAQs

Do we need embryos before matching? Yes. You can browse and select a surrogate, but you must have embryos before the match can be made official.

Can we keep our current IVF doctor? Yes. We coordinate with your team and set up local monitoring for the surrogate.

How many embryos should we plan to transfer? Your clinic will guide you; many recommend single-embryo transfer for safety.

Ready to Start?

Becoming parents is the goal. Coordination is our job. When you’re ready, we’ll connect the people, plans, and dates that bring your transfer to life.

Talk with a specialist today to start your surrogacy journey.

Surrogacy represents a significant financial commitment, and the possibility of an arrangement ending before a baby arrives can feel overwhelming.

The good news is that most surrogacy agreements include clear provisions for refunding unused escrow funds to intended parents.

Understanding how escrow works, what protections exist for your money, and how agencies like American Surrogacy manage these funds can help you move forward with confidence.

Get answers to your specific questions about surrogacy costs and fund management. Contact us today.

What Happens to Escrow Funds if a Surrogacy Agreement Terminates Early?

When a surrogacy agreement ends before embryo transfer or birth, any unused funds held in escrow typically return to the intended parents. The exact timeline and process depend on your surrogacy contract and gestational carrier agreement.

Most professional surrogacy agreements spell out when funds can be released back to intended parents, like when a surrogate is medically disqualified before transfer, when either party exercises their right to terminate, or when both parties mutually agree to end the arrangement.

The disbursement process usually happens within 30 to 60 days after termination, though this varies based on your contract and whether there are disputed expenses. Your surrogacy attorney can walk you through the specific refund provisions in your agreement.

Some escrow funds may have already been distributed for completed services, like surrogate screening fees, insurance premiums, or legal costs, and those typically aren’t refundable.

But compensation payments, medical expense reserves, and other milestone-based funds that haven’t been earned or spent should return to you.

How Escrow and Fund Management Work in Surrogacy

Escrow serves as a neutral holding space for surrogacy funds. Intended parents deposit money upfront, and those funds are distributed as the surrogate reaches specific milestones like the embryo transfer, pregnancy confirmation, delivery, and so on.

This system protects everyone involved. Surrogates know their compensation is secure. Intended parents know their money won’t be released until agreed-upon steps are completed.

You have options for how these funds are managed. Some intended parents work with third-party escrow companies.

Others choose agency-based fund management, where the surrogacy agency handles deposits and disbursements directly.

American Surrogacy’s Accounting Services

At American Surrogacy, we offer in-house fund management with the same accountability and milestone tracking as third-party escrow—but with tighter integration into your journey timeline.

We’ve successfully managed client funds for years across both our surrogacy and adoption programs.

The key difference between escrow and agency fund management often comes down to personal preference and state requirements. Both approaches work well when managed by experienced professionals.

Do All States Require Escrow for Surrogacy?

Not all states mandate that surrogacy funds be held in a licensed escrow account, though some have specific legal requirements.

States like Washington have detailed statutes governing gestational surrogacy agreements and may require escrow provisions.

Even without strict mandates, most surrogacy professionals—attorneys, agencies, and fertility clinics—strongly recommend using managed fund systems. They create clear paper trails, reduce payment conflicts, and ensure surrogates receive compensation reliably.

Your surrogacy attorney should know your state’s surrogacy laws and can advise whether escrow is legally required or simply best practice.

In states without explicit escrow requirements, you’ll still want to choose a reputable fund management option for financial security and peace of mind.

Agency Fund Management vs. Third-Party Escrow: What’s the Difference?

Third-party escrow agents are independent companies that hold and distribute funds for surrogacy arrangements.

They operate as neutral parties with no connection to your agency or fertility clinic. Agency-based fund management functions similarly but keeps your funds in-house with enhanced protections.

We track the same milestones, process payments on the same schedule, and maintain the same oversight—without moving your funds to an outside entity. This helps protect you against financial losses like what happened with SEAM.

Some intended parents still prefer the added separation of third-party escrow. Both models work—what matters is your comfort with the structure and confidence in who’s managing your money.

Whichever route you choose, look for transparent accounting, regular statements, and clear communication. You should never feel uncertain about where your money is or when it’s moving.

How American Surrogacy Protects Your Funds—Even in Crisis

When SEAM Surrogacy Escrow Account Management, a widely used third-party escrow provider, was discovered to have embezzled millions of dollars from client accounts in 2023, it sent shockwaves through the surrogacy community.

Families who trusted SEAM suddenly faced the devastating reality that their money was gone.

American Surrogacy was among the agencies affected, but we made an immediate decision: we reimbursed every impacted family from our own operating budget. Our clients didn’t lose a cent.

We did this because we believed agencies had a responsibility to stand by their clients. Unfortunately, not every surrogacy program took this approach. Some families working with other agencies are still fighting to recover their losses.

This experience reinforced why we continue offering in-house fund management alongside third-party escrow options.

What to Look for in a Surrogacy Escrow Agreement

Every surrogacy contract should include specific language about fund management and what happens to unused escrow in various scenarios. Before you sign, make sure your agreement addresses these key points:

Refund Policies for Early Termination

The contract should clearly state that unused escrow funds will be returned if the arrangement ends before completion. Look for language specifying timelines, typically 30 to 60 days, and any conditions that might affect refunds.

Disbursement Authority and Milestone Definitions

Who has the authority to release funds, and under what circumstances? Your agreement should define each payment milestone and explain what documentation is needed before funds can be distributed.

Handling of Disputed Expenses

Your contract should outline how disputes are resolved and whether funds can be withheld pending resolution.

State-Specific Legal Requirements

If your state mandates escrow accounts or imposes specific regulations on fund management, your agreement needs to reflect those requirements.

Reserve Fund Provisions

Many agreements include reserve amounts to cover unexpected medical expenses. The contract should explain how much is held in reserve, when it can be used, and what happens to it if those expenses never materialize.

Your surrogacy attorney is your best resource for understanding these provisions and making sure your agreement protects your financial interests.

Having an experienced lawyer review your contract is one of the most important investments you’ll make in your surrogacy journey.

Protect Your Surrogacy Investment — Talk to Us About Secure Fund Management

Understanding what happens to escrow funds if a surrogacy agreement terminates early is part of being an informed, prepared intended parent.

At American Surrogacy, we’ve built our fund management systems around transparency, accountability, and protection for your investment.

If you’re ready to explore surrogacy with an agency that takes your financial protection seriously, we’re here to answer your questions.

Fill out our simple form today to get answers to your escrow questions.

Finding a qualified surrogacy lawyer is one of the most critical steps in your journey to parenthood. With the right legal representation, you can navigate complex state laws, secure your parental rights, and move forward with confidence.

The peace of mind that comes from having an experienced attorney ensures that your legal foundation is as strong as your hope for the future.

Start your journey today by contacting a surrogacy specialist today. We’ll connect you with a vetted surrogacy lawyer near you who understands your state’s laws and your unique needs.

Below, we’ll walk you through exactly how to find a surrogacy lawyer nearby, what questions to ask, why state-specific expertise matters, and how American Surrogacy’s attorney network can streamline this crucial step in your journey.

How to Find a Surrogacy Lawyer Near Me

Searching “surrogacy lawyer near me” is only the beginning. Because surrogacy law is highly specialized, you need an attorney with deep experience in reproductive law.

The right lawyer understands assisted reproduction, state-specific statutes, and parentage orders, giving you the protection a basic internet search can’t guarantee.

Focus your search through these trusted channels:

• Professional Directories: Use the American Bar Association’s lawyer referral directory or your state bar association, filtering for “assisted reproductive technology” or “reproductive law.”
• Agency Referrals: Agencies like American Surrogacy maintain a network of vetted attorneys who have proven expertise with surrogacy contracts, parentage orders, and state-specific requirements.

Why it matters: An attorney who excels in divorce or adoption may not understand gestational surrogacy. You need someone who practices this law regularly in your state.

The Role a Surrogacy Lawyer Plays in the Surrogacy Contract Process

Your lawyer is the architect of your legal protection. They will:

• Draft and negotiate your surrogacy contract.
• Ensure compliance with state-specific requirements.
• Coordinate with your fertility clinic.
• Guide you through parentage proceedings so your parental rights are recognized before or immediately after birth.

Because laws vary by state, having an attorney licensed in your jurisdiction is essential to avoid costly delays.

Learn more about the surrogacy legal process.

Do I need a lawyer for surrogacy?

Yes. Independent legal representation is required for all parties in surrogacy arrangements. Beyond this requirement, your lawyer protects your interests at every step—from contract negotiations to establishing legal parentage.

What type of lawyer handles surrogacy?
Specialized family lawyers or assisted reproductive technology (ART) attorneys. They must be licensed in your state and have experience with surrogacy-specific statutes and court procedures.

What should be in a surrogacy contract?

A strong surrogacy contract leaves no room for uncertainty. Your attorney will walk you through each element, ensuring that both your rights and your surrogate’s rights are fully protected.

The most common areas your contract should cover include:

• Medical decision-making authority: Who can make decisions during pregnancy and delivery.
• Financial responsibilities: Compensation for your surrogate, medical expenses, and additional costs.
• Communication expectations: How updates will be shared and what level of contact is expected.
• Contingency plans: Provisions for unexpected circumstances, such as medical complications.
• Parental rights protection: Language that establishes you as the baby’s legal parents.
• Boundaries and responsibilities: Clear definitions of roles for everyone involved.

When written by an experienced surrogacy lawyer, these provisions become enforceable protections that safeguard your journey.

Questions to Ask When Choosing a Surrogacy Attorney

The right questions during your consultation can reveal whether an attorney has the expertise and communication style you need. Key areas to explore include:

• Experience: “How many surrogacy cases have you handled in the past two years?” and “What percentage of your practice focuses on reproductive law?”
• Fees: Do they charge a flat fee or hourly rate? What does their quoted fee include, and what additional costs could come up?
• Communication: What’s their preferred method of communication, and how quickly do they typically respond?
• Case management: Will they personally handle your case, or delegate to associates?
• Community connections: Do they regularly work with local surrogacy agencies and fertility clinics?

Most surrogacy attorneys charge between $3,000 and $7,000, covering contract drafting and parentage proceedings. While cost matters, the right fit often comes down to trust, responsiveness, and proven experience in surrogacy law.

State-by-State Differences in Surrogacy Law

Surrogacy laws vary significantly from state to state. Some jurisdictions allow pre-birth parentage orders, while others require post-birth adoption.

Compensation rules, court timelines, and even judge preferences can differ widely, shaping how quickly and smoothly your case moves forward.

This is why local expertise is so important. A surrogacy lawyer who practices regularly in your jurisdiction understands the nuances of local statutes and court systems, ensuring your parental rights are secured without unnecessary delays.

Is your state truly surrogacy-friendly? Find out now.

Agency vs. Independent Search for a Lawyer

If you conduct your own search, you’ll need to vet credentials, evaluate experience, and confirm that the attorney understands surrogacy law in your state—a process that can be both time-consuming and stressful.

By contrast, working with an agency like American Surrogacy connects you with attorneys who have already demonstrated competence in surrogacy cases.

These lawyers are familiar with agency processes, collaborate seamlessly with your support team, and often provide more competitive pricing thanks to their established relationships with agencies.

Choosing an agency-referred attorney gives you the confidence that you’re working with someone proven, not just someone you found online.

Can one lawyer represent both the surrogate and the intended parents?

No. Independent legal representation is required for both the intended parents and the surrogate.

This safeguard ensures fairness, prevents conflicts of interest, and protects the rights of everyone involved in the surrogacy process.

What’s the role of a surrogacy attorney vs. agency?

Surrogacy agencies and attorneys play different but connected roles. The agency manages matching, screening, and coordination, while the attorney focuses exclusively on legal protection and compliance.

When your agency refers you to independent counsel, you benefit from a partnership where both professionals are working toward the same goal: protecting your family’s journey and ensuring every step is completed correctly.

Why Agency-Connected Attorneys Are Preferable to In-House Legal

While some agencies employ in-house lawyers, this arrangement can create conflicts of interest between agency priorities and client rights. Independent attorneys recommended by your agency offer the best balance.

They’ve already proven themselves through successful cases, but because they are not on staff, their sole duty is to advocate for you.

This independence ensures you get personalized guidance, reliable communication, and continuity of legal support even after your initial surrogacy journey is complete.

How American Surrogacy Supports Your Legal Needs

At American Surrogacy, we take the guesswork out of finding the right surrogacy lawyer.

Our vetted attorney network includes professionals who focus exclusively on reproductive law, maintain excellent track records in surrogacy cases, and understand the unique aspects of our agency’s matching and support services.

Fill out our form today to get matched with a surrogacy lawyer near you and take the next step toward building your family.

With this support, you can move through your surrogacy journey with confidence, knowing your parental rights are fully protected.

The agency surrogate screening process determines whether your surrogacy journey succeeds or fails—making it the most critical factor when choosing a surrogacy agency.

A reputable agency conducts multi-layered evaluations before any match is finalized—preventing costly delays and failed matches that can derail your path to parenthood.

With comprehensive screening, you can be matched with a fully vetted surrogate in an average of 1 - 4 months and avoid the costly delays that come from inadequate background checks. Get started with professional screening today

What Should Be Included in Comprehensive Surrogate Screening?

A thorough agency surrogate screening process should examine every aspect of a candidate’s readiness to carry your child. High-quality agencies conduct multi-layered evaluations that go far beyond basic eligibility requirements.

Social and Medical History Review

Professional agencies conduct comprehensive social and medical history evaluations that include previous pregnancies, complications, current health status, and family medical background.

This review examines the candidate’s lifestyle, support systems and social circumstances alongside their medical history to ensure overall suitability for surrogacy.

Medical Record Review and Analysis

Reputable agencies perform detailed medical record reviews that analyze documentation from all prior births, current health assessments, and any potential risk factors.

This comprehensive record analysis helps identify medical considerations that could impact pregnancy success or safety.

Psychological Screening and Evaluation

Licensed reproductive psychologists conduct comprehensive psychological screenings to determine emotional stability, motivation for surrogacy, and ability to handle the psychological demands of carrying another family’s child.

These evaluations assess the candidate’s mental health, support systems and understanding of the emotional aspects of surrogacy.

Clinical Approval and Physical Evaluation

After initial screening approval, quality agency surrogate screening includes clinic approval processes where reproductive specialists review the candidate’s suitability.

If the clinic approves the surrogate, she undergoes a comprehensive physical evaluation before the match is finalized.

This final step ensures everything is medically sound and prevents failed matches by identifying any last-minute concerns before the matching process is completed.

Learn how our surrogate screening process help you avoid failed matches and costly delays.

How Quality Screening Accelerates Your Path to Parenthood

Professional agency surrogate screening practices don’t just protect you—they actually expedite your journey to parenthood by ensuring every woman you’re matched with is highly qualified and ready to proceed.

Avoiding Failed Matches

When agencies conduct comprehensive pre-screening, you avoid the time and emotional cost of failed matches.

Instead of spending months getting to know a potential surrogate only to discover disqualifying factors, you can be confident that anyone presented to you has already passed rigorous evaluation standards.

Streamlined Matching Process

Quality screening ensures you are quickly matched with a surrogate, with a lower risk of delays.

When surrogates have been properly vetted for medical history, psychological readiness, the transition from initial introduction to confirmed match proceeds more smoothly and efficiently without unexpected complications.

Red Flags in Agency Screening Practices

When evaluating “how thorough are surrogate background checks?” at different agencies, certain warning signs should make you look elsewhere for your surrogacy needs.

Rushed or Inadequate Screening Procedures

Be cautious of agencies that move candidates through screening processes very quickly or can’t provide detailed information about their evaluation procedures.

Quality agency surrogate screening takes time and involves multiple professional assessment steps.

Lack of Professional Partnerships

Agencies that don’t work with licensed psychologists, medical professionals, or qualified experts for screening may be cutting corners that could compromise your safety and success.

Professional screening requires specialized expertise.

Limited Transparency About Screening Standards

If an agency is vague about their screening procedures or unwilling to explain their standards and processes, this lack of transparency should concern you.

Professional agencies should readily discuss their comprehensive screening methodologies.

Benefits of Working With a Full-Service Agency for Screening

The question “should I use an agency or go independent?” becomes clear when you understand the comprehensive protection that full-service agencies provide through professional surrogate screening and ongoing support.

Expert Professional Networks

Established agencies maintain partnerships with licensed medical and psychological professionals who specialize in reproductive health and surrogacy.

This means your surrogate has been evaluated by experts who understand the unique demands of carrying another family’s child.

Team-Based Review Processes

Professional agencies use collaborative approaches where multiple experienced professionals review every surrogate candidate, bringing different perspectives and expertise to the evaluation process.

This reduces the risk of overlooking important factors that could impact your journey.

Comprehensive Program Oversight

Full-service agencies maintain ongoing relationships with surrogates throughout their time in the program, providing continued support and monitoring that independent arrangements cannot match.

This ongoing oversight helps identify and address issues before they impact your journey.

If you do have your own surrogate, you complete your surrogacy journey with agency support, including screening. Learn more about our independent program.

How to Evaluate an Agency’s Screening Standards

When choosing an agency, ask specific questions about their agency surrogate screening process to ensure they meet professional standards that protect your interests.

Questions About Screening Procedures

Ask agencies to explain their screening timeline, professional partnerships, and specific evaluation criteria.

Professional agencies should readily provide detailed information about their comprehensive screening methodologies and be able to explain how each component protects your interests.

Documentation and Transparency Requirements

Request information about screening documentation, ongoing monitoring procedures, and how screening results are communicated to intended parents. Quality agencies maintain transparent processes and comprehensive records.

Ready to Work With a Trusted Surrogacy Agency?

At American Surrogacy, we’ve built our reputation on the foundation of thorough, professional agency surrogate screening processes that ensure every surrogate in our program meets the highest standards for health, stability and commitment.

Contact a surrogacy specialist today to learn more about our comprehensive screening procedures and discover how our commitment to quality vetting can accelerate your journey while providing the peace of mind you deserve.

Your family’s future is too important to trust to anything less than the most thorough and professional screening standards in the industry.

You’ve already invested so much—emotionally, physically and financially—in your journey to parenthood.

Now you’re considering surrogacy, but one question keeps you awake at night: “What happens to my investment if something goes wrong?”

Here’s what you need to know: reputable agencies like American Surrogacy have developed comprehensive financial protection programs specifically to address these concerns and safeguard your investment.

Protect Your Investment Today: Fill out our simple form to learn how our Limited Risk Program shields your finances.

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Do Surrogacy Programs Offer Financial Protection?

Yes, established surrogacy agencies typically offer various forms of financial protection to intended parents.

These programs recognize that surrogacy involves inherent uncertainties—from failed matches to unsuccessful transfers and provide safety nets to protect your investment.

However, not all agencies offer the same level of protection, which is why understanding your options, is vital before making this life-changing commitment.

At American Surrogacy, we’ve developed protection programs specifically because we understand that your journey to parenthood is too important to leave to chance.

Types of Surrogacy Financial Protection Programs

The surrogacy industry has evolved to offer several types of financial protection programs, each designed to address different scenarios that might arise during your journey:

Money-Back Guarantee Programs

Full or partial refund programs offer refunds if certain milestones aren’t reached, such as failure to find a suitable match within a specified timeframe or unsuccessful completion of the surrogacy process.

These programs typically have specific conditions and timelines that determine eligibility for refunds.

Unlimited Matching Programs

These programs ensure that if your first surrogate match doesn’t work out, the agency will continue matching you with suitable candidates at no additional cost.

This addresses one of the most common anxieties intended parents face: escalating costs due to failed matches.

Multiple Transfers Coverage

Some programs include coverage for multiple embryo transfer attempts without additional fees, recognizing that success may not come on the first try.

This protection can save thousands of dollars if multiple transfer cycles are needed.

Comprehensive Risk-Sharing Programs

These combine multiple protections into a single package, often including unlimited matching, multiple transfer attempts, and partial refunds under specific circumstances.

American Surrogacy’s Limited Risk Program exemplifies this approach, providing comprehensive protection that addresses the most common scenarios that could derail a surrogacy journey.

Curious about comprehensive coverage? Learn more about our Limited Risk Program and how it protects against multiple failure points.

How Escrow Protection Safeguards Your Investment

Understanding how your funds are managed during the surrogacy process is essential for peace of mind. In professional surrogacy arrangements, your money doesn’t simply disappear into an agency’s general account.

Instead, it’s carefully managed through escrow services that act as neutral third parties.

How Escrow Works in Surrogacy

Escrow protection in surrogacy operates through a milestone-based system:

• Initial Program Fees: Your program fees are held in escrow until specific services are rendered or milestones are reached
• Surrogate Compensation: Monthly payments to your surrogate are held in escrow and released according to the predetermined schedule
• Medical and Legal Expenses: Funds for procedures, legal fees, and other expenses are held securely and released only when services are provided

This system ensures that your funds remain protected throughout the process and aren’t vulnerable to mismanagement or agency financial difficulties.

How American Surrogacy Stepped Up to the Plate During the SEAM Escrow Breach

The surrogacy industry faced a significant test when SEAM, a major third-party escrow company serving multiple surrogacy agencies, experienced a security breach that put client funds at risk.

During the SEAM escrow breach, American Surrogacy demonstrated exceptional commitment to client protection by reimbursing affected intended parents for their lost funds.

To our knowledge, no other agencies were able to provide the same level of financial protection to their clients during this crisis.

This response was possible because of our decades of experience successfully managing clients’ funds and maintaining strong financial reserves.

The experience reinforced our commitment to offering clients choice and security in their financial arrangements, including both in-house escrow management and third-party escrow options.

Understanding Payment Structure Options: Fixed-Fee vs. Pay-As-You-Go

The payment structure you choose significantly impacts your financial risk throughout the surrogacy process. Each approach has distinct advantages and considerations for intended parents.

Pay-As-You-Go Models

Pay-as-you-go models offer lower upfront costs and may seem more budget-friendly initially. You pay for services as they’re needed, which can help with cash flow management.

However, this approach can expose you to additional costs if complications arise, such as needing to rematch with a new surrogate or requiring additional embryo transfer cycles.

Fixed-Fee Programs

Fixed-fee programs require higher upfront investment but provide greater predictability and often include built-in protections.

These programs typically bundle services together, often including protections like unlimited matching or multiple transfer attempts without additional fees.

At American Surrogacy, we recognize that different families have different needs and financial situations.

That’s why we offer both à la carte options for those who prefer to budget for specific services and our comprehensive Limited Risk Program with built-in financial protections.

Not sure which payment structure works best for you? Compare our à la carte and risk-sharing options to find your ideal fit.

What Happens Financially If a Journey Fails?

While rare, not every surrogacy journey results in a successful birth, and understanding what happens to your investment in these scenarios is vital for making informed decisions.

The financial implications of a failed journey depend largely on the type of program you choose and at what point the journey ends:

• Failed Matching: If you can’t find a suitable surrogate match, some agencies offer full or partial refunds of program fees, while others provide unlimited matching services until a suitable candidate is found.
• Contract Termination: If a surrogate withdraws after contract signing but before medical procedures begin, you may be responsible for any compensation already paid, but program fees might be refundable or applicable to a new match.
• Medical Complications: If the journey ends due to medical complications or failed transfers, the financial outcome depends on your program’s specific protections and how far into the process you’ve progressed.
• No Viable Embryos: If you run out of viable embryos without achieving pregnancy, some programs offer partial refunds or credit toward future cycles.

High-quality financial protection programs address these scenarios with clear policies and, in many cases, built-in protections that minimize your losses while maximizing your chances of ultimately achieving success.

Do I Lose Money if the Surrogate Backs Out?

With a comprehensive financial protection program, surrogate withdrawal doesn’t have to mean significant financial loss.

Programs like our Limited Risk Program include unlimited matching services, meaning that if your surrogate backs out at any stage before achieving pregnancy, you won’t pay additional fees to find a replacement.

However, the timing of the withdrawal affects the overall financial impact. If a surrogate withdraws after receiving compensation payments, those funds typically cannot be recovered.

This is why working with agencies that have thorough screening processes and strong surrogate support systems is essential—they reduce the likelihood of unexpected withdrawals.

Essential Questions to Ask Before Choosing a Surrogacy Program

Before committing to any surrogacy program, protect yourself by asking these essential financial questions:

About Refund Policies

• Under what circumstances are program fees refundable?
• What percentage of fees can be refunded at different stages of the process?
• How long do I have to request a refund if we decide to discontinue our journey?

About Matching and Re-matching

• How many matches are included in my program fee?
• What happens financially if our first surrogate match doesn’t work out?
• Are there additional costs for finding a replacement surrogate?

About Escrow and Fund Management

• How are my funds protected during the process?
• Who manages the escrow account, and what are their credentials?
• What happens to my money if the agency experiences financial difficulties?

About Additional Costs and Coverage

• What services are included in my program fee versus what costs extra?
• What are the potential additional costs I should budget for?
• Are there caps on certain expenses, such as surrogate medical costs?

About Journey Completion and Guarantees

• What happens to my investment if no pregnancy is achieved?
• Are there guarantees or protections if we exhaust our embryos without success?
• What financial support is available if we need to start over with a new surrogate?

About Payment Options

• Can I choose between fixed-fee and pay-as-you-go options?
• What are the advantages and risks of each payment structure?
• Are financing options available to help manage the financial commitment?

Why American Surrogacy’s Financial Protection Stands Apart

At American Surrogacy, we’ve spent decades perfecting our financial protection programs because we understand that your journey to parenthood is too important to leave to chance.

Our approach differs from other agencies in several key ways:

• Proven Crisis Response: Our handling of the SEAM breach demonstrated our commitment to protecting clients even in unprecedented circumstances
• Flexible Escrow Options: We offer both in-house and third-party escrow management, giving you control over your fund protection
• Comprehensive Coverage: Our Limited Risk Program includes unlimited matching and re-matching services
• Transparent Policies: Clear, upfront communication about all costs and protections

Ready to Protect Your Path to Parenthood?

With the right protection programs and a reputable agency partner, you can move forward with confidence, knowing your investment is safeguarded.

Contact American Surrogacy today to learn more about our financial protection programs and discover how we can help secure your path to parenthood.

Your family’s future deserves nothing less than comprehensive protection and experienced guidance every step of the way.

Social media groups, forums like Reddit and matching platforms are filled with intended parents and hopeful surrogate mothers trying to connect directly. But is this path safe?

While it’s certainly possible to find a surrogate online, doing so without the guidance of a licensed surrogacy agency introduces serious risks.

Before you move forward, it’s important to understand how online matching works, why some people pursue it, and how an agency can still support you—even in an independent match.

If you’re looking for a surrogate, American Surrogacy can help you skip the uncertainty and connect directly with a highly qualified, pre-screened surrogate. Fill out our form today.

The Real Risks of Finding a Surrogate Online

Online surrogacy arrangements often skip the professional safeguards that are built into the agency process. That leaves intended parents exposed to a number of potential risks:

• Lack of Screening: Many online surrogate candidates haven’t been medically or psychologically evaluated. You may not know if she meets even the basic requirements for a healthy pregnancy.
• Fraud Potential: Online platforms are unregulated spaces where scams are all too common. There are documented cases of individuals posing as surrogates—or intended parents—for financial gain.
• Legal Vulnerabilities: Without agency oversight or expert legal counsel, critical steps like parentage orders, escrow management, and state-specific compliance can fall through the cracks.
• Medical Uncertainty: Without clinical prescreening, you could begin your journey with someone who’s not medically eligible, losing valuable time, money, and hope.
• Emotional Fallout: Failed matches or mismatched expectations can take a serious emotional toll, especially without professional support to help mediate.

Learn more about why surrogate screening matters and the benefits of working with a surrogacy pre-screened through  American Surrogacy.

Why Some Parents Look for Surrogates Online

There are legitimate reasons why some intended parents explore how to find a surrogate online:

• Affordability: Bypassing agency fees might look appealing. But costs like legal disputes, failed matches, or health disqualifications often outweigh short-term savings.
• Speed: Some believe finding a surrogate online will be faster than waiting for an agency match. However, timelines vary widely—and unvetted matches can quickly turn into delays.
• Autonomy: Independent matching allows parents to take a hands-on role in the process, which some people prefer.
• Previous Agency Concerns: If an intended parent had a negative or confusing experience with an agency, they might try a different approach.

While these motivations are understandable, they don’t eliminate the risks that come with self-matching.

Surrogacy Scams and Red Flags to Watch For

It’s one thing to look for surrogate mothers online, it’s another to protect yourself in the process. Be cautious of these warning signs:

• Lack of medical documentation or clinic involvement
• Requests for money before any legal agreement is in place
• Conflicting or evasive personal details
• Refusal to involve a surrogacy professional
• No references, criminal background checks, or verified screening

Even platforms like Facebook and Reddit, while popular, offer no built-in safeguards. That’s why finding a surrogate online should always be accompanied by professional review and support.

Independent Surrogacy vs. Agency Matching

When comparing agency matching to finding a surrogate online independently, consider the full scope of responsibility.

Independent Surrogacy

• You manage everything: legal, financial, emotional, and medical logistics.
• It may seem faster or cheaper, but often leads to unplanned complications and higher stress.
• If a match falls through, there’s no backup plan.

Agency-Supported Matching:

• Professionals screen surrogate candidates before they’re introduced to you.
• Legal counsel, escrow services, medical coordination, and emotional support are built-in.
• You’ll have ongoing guidance and, if necessary, re-matching support.

For many families, the peace of mind, structure, and safety provided by an agency like American Surrogacy outweigh the perceived freedom of doing it alone.

Finding a Surrogate Through an Agency Can Be Faster Than You Think

Many intended parents turn to finding a surrogate online because they believe it’s the fastest path forward.

But here’s the reality: working with an experienced agency can often be quicker, especially when the agency has a pool of fully pre-screened surrogates ready to match.

At American Surrogacy, we streamline the process by pre-screening surrogates in advance, so you’re not waiting for screening or disqualification delays

In contrast, finding a surrogate online often results in long delays once the initial connection is made. You may have to:

• Wait for medical clearance
• Discover the match can’t proceed
• Start over if anything falls through

Our agency has already done the legwork so your surrogacy journey starts with far fewer roadblocks.

Learn more about how we shorten our wait times so you can become parents faster.

How Agencies Vet Surrogates (And Why it Matters)

One of the biggest benefits of working with an agency is how thoroughly surrogate candidates are screened before matching begins. This includes:

• Medical evaluations to ensure she can safely carry a pregnancy
• Psychological testing to assess readiness and mental health
• Background checks and home studies
• Review of previous pregnancies and lifestyle history

This front-end work significantly reduces the chance of failed matches or disruptions during the process. It may even save time and money in the long run by preventing complications.

How Agencies Can Still Help – Even If You Find Your Surrogate Online

Did you know that if you’ve already found a surrogate online, you can still partner with an agency? American Surrogacy offers independent surrogacy services that allow you to keep your match, while still accessing:

• Legal support and contract guidance
• Medical coordination
• Escrow and financial management
• Emotional counseling
• Risk mitigation and re-matching support, if needed

We bring professional safeguards into your independent journey—so you can move forward with clarity, confidence and support.

Learn more about our independent surrogacy program.

Thinking about finding a surrogate online? You don’t have to do it alone.

Finding a surrogate online is possible, but it comes with real risks. Whether you’ve just started looking or have already connected with someone, American Surrogacy can help ensure your journey is safe, ethical and legally protected.

Let’s build your family the right way—together. Contact us for free surrogacy information now and to take the next step safely and confidently.