Surrogacy provides a hopeful and empowering option for individuals and couples who are ready to grow their families but need the help of a gestational carrier. If you're exploring this journey in Vermont, it's natural to begin by asking how much it costs — and how the process works within your state.
In this article, we’ll outline the typical costs associated with surrogacy in Vermont, how state law supports the process, and how American Surrogacy can provide full-service guidance from start to finish.
How Much Does Surrogacy Cost in Vermont?
Surrogacy in Vermont typically costs between $100,000 and $200,000+. This total includes agency support, surrogate compensation, fertility treatment, legal services, and insurance coverage planning. While that investment may seem substantial, it reflects the many moving parts required to ensure a safe, ethical, and legally sound experience.
Vermont is a surrogacy-friendly state with clearly established legal protections for gestational surrogacy. Courts routinely enforce surrogacy agreements and issue parentage orders, making it one of the more straightforward and secure places to complete your journey.
American Surrogacy’s Programs in Vermont
American Surrogacy offers three surrogacy programs designed to meet different financial needs and preferences around risk and flexibility:
- Limited Risk Program ($169,900 - $179,000+): This full-service program includes built-in financial protections in case of rematches, failed transfers, or other unexpected complications. Most families are matched within 1 to 4 months.
- Foundation Program ($115,400 - $170,000+): A pay-as-you-go model offering full agency coordination with fewer upfront financial protections. This is a great option for families who want more control over when and how they manage payments. Learn more about this option at our Foundation Program page.
- Independent Program (starting at $17,000): Ideal for families who have already identified a surrogate match. This program includes medical and legal coordination but excludes compensation, IVF, and insurance. Most independent journeys still cost over $100,000. You can explore details at our Independent Program page.
Surrogacy Cost Breakdown
Every surrogacy journey includes a range of services and expenses, including:
- Agency fees: Covering case management, surrogate screening, matching with a qualified surrogate, trust account oversight, legal and medical scheduling, and emotional support
- Surrogate compensation: Base pay plus reimbursements for maternity items, childcare, travel, lost wages, and more
- Legal services: Drafting and reviewing contracts, securing parentage orders, and ensuring full compliance with Vermont law
- Medical expenses: IVF treatment, fertility medications, embryo transfers, prenatal care, and hospital delivery
Each of these elements contributes to the safe, coordinated, and legally protected nature of the surrogacy process.
Understanding Agency Services and Surrogate Compensation
Agency fees support the many behind-the-scenes tasks that help make surrogacy feel manageable. At American Surrogacy, you’ll work with a dedicated case specialist who coordinates matching, scheduling, trust fund management, and legal oversight.
Surrogate compensation in Vermont generally begins at $50,000 in base pay. With reimbursements included, most total packages range from $60,000 to $75,000 or more. Reimbursable expenses often include:
- Maternity clothing and supplies
- Lost wages and childcare
- Travel and lodging for medical visits
- Insurance premiums and out-of-pocket medical costs
All financial transactions are managed through a licensed escrow provider to ensure secure and timely payments.
Managing Unexpected Costs
Surrogacy often involves variables — and disruptions like canceled transfers or rematching with a surrogate can introduce financial uncertainty. Our Limited Risk Program was created to protect families from these common situations and offer greater cost predictability throughout the journey.
If you’re looking for added financial protection and peace of mind, this program is a strong option to consider.
How Much Does a Surrogate Cost in Vermont?
Surrogate compensation in Vermont typically starts around $50,000, with full packages averaging $60,000 to $75,000+. Costs may vary depending on the surrogate’s location, experience, and insurance needs.
Families using the Independent Program should budget separately for compensation and medical expenses. Even with a known surrogate, most journeys exceed $100,000 once all services are accounted for.
How Much Does Surrogacy Cost with Insurance in Vermont?
While most insurance plans don’t cover agency services or surrogate compensation, many may offer partial coverage for medical components of the journey, such as:
- IVF procedures and lab work
- Fertility medications
- Maternity care and delivery (if the surrogate’s plan qualifies)
Common insurance providers in Vermont include Blue Cross Blue Shield of Vermont, MVP Health Care, and Cigna. Our team will evaluate both your and your surrogate’s insurance coverage and help secure supplemental plans if necessary.
How Much Does IVF and Surrogacy Cost?
When IVF is part of your journey, additional costs will apply. These typically include:
- Embryo creation and transfer
- Fertility medications
- Donor sperm or eggs, if needed
- Monitoring, lab work, and consultations
Fertility services are available in Vermont and surrounding areas, particularly in Burlington and central Vermont. We can help you connect with a clinic that aligns with your goals and budget.
Affording Surrogacy
Surrogacy is a large investment, but with thoughtful planning and available resources, many families are able to manage the cost successfully. In addition to our affordable surrogacy programs, intended parents in Vermont often explore:
Grant and scholarship programs:
- Baby Quest Foundation
- Men Having Babies GPAP Program
- Pay It Forward Fertility Foundation
- Journey to Parenthood
Employer-sponsored fertility benefits:
- Carrot Fertility
- Progyny
- Additional financing options, including HSAs, home equity loans, or 401(k) borrowing
We’re happy to help you explore these resources and develop a financing strategy that works for your family.
Affording Surrogacy: Fertility Financing Options
Many intended parents afford surrogacy through a combination of savings, investments, and financing. To help ensure you work with a trusted professional, we have a surrogacy financing partner who provides excellent services that help make surrogacy more affordable:
Sunfish: Sunfish offers low-interest fertility loans for IVF, surrogacy, and egg donors for American Surrogacy. They make parenthood attainable for all types of families through financial solutions, support, and guidance.
Learn more about financing your surrogacy through Sunfish here.
Why Choose American Surrogacy?
Vermont is a legally supportive state for gestational surrogacy, but the process still requires hands-on guidance. Here’s why families trust American Surrogacy:
- Most intended parents are matched in just 1 to 4 months
- We partner with legal professionals who understand Vermont’s surrogacy laws and parentage order process
- Our dedicated case specialists provide one-on-one support throughout your journey
- We offer flexible program options for families at different stages
- We prioritize ethical, compassionate care for both intended parents and surrogates
Our team is committed to making this journey as smooth and supported as possible — from your first consultation to the moment you meet your child.
Next Steps in Your Surrogacy Journey
Vermont is one of the most legally accessible states for surrogacy, with clear court procedures and a strong history of supporting intended parents. Whether you’re just starting or have already matched with a surrogate, American Surrogacy can help you take the next step confidently.
If you're ready to learn more, contact American Surrogacy today to speak with a specialist and start building your family through surrogacy in Vermont.