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 Donation and Surrogacy): https://seedsethics.org/


• Affordable Care Act (ACA) Plans: https://www.healthcare.gov 


• Lloyd’s of London Insurance Plans: Specialized fertility and surrogacy insurance options (available through ART Risk brokers): https://www.lloyds.com/about-lloyds/our-market 

Related episodes:

Ep. 95 | Surrogacy Health Insurance: https://podcasts.apple.com/us/podcast/ep-95-surrogacy-health-insurance/id1497045909?i=1000621479004

Ep. 50 | Fertility Insurance with Jason Smith: https://podcasts.apple.com/us/podcast/ep-50-fertility-insurance-with-jason-smith/id1497045909?i=1000542435581 

Ep. 42 | State Advocacy with Mollie Walker & Chelsea Caldwell: https://podcasts.apple.com/us/podcast/ep-42-state-advocacy-with-mollie-walker-chelsea-caldwell/id1497045909?i=1000536472084 

Ep. 16 | Gaining Fertility Benefits and Insurance with Advocate Davina Fankhauser: https://podcasts.apple.com/us/podcast/ep-16-gaining-fertility-benefits-and-insurance/id1497045909?i=1000490477470 

Stay Connected:

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Facebook: https://www.facebook.com/fertilitycafe

LinkedIn: https://www.linkedin.com/company/fertility-cafe/

Website: https://thefertilitycafe.com

More Resources

Learn more about surrogacy & fertility: familyinceptions.com

Listen to past episodes: https://www.youtube.com/@FertilityCafePodcast/playlists

Get expert insights & updates: https://thefertilitycafe.com/resources