Financing an Embryo Adoption

The most common reason hopeful adoptive families give for not moving forward with embryo adoption is a lack of funds. They are ready to be pregnant, give birth, and love a child through embryo adoption, but believe they are unable to proceed due to financial concerns. 

While embryo adoption is one of the least expensive adoption options, most families do not have the $6,000 to $15,000 needed buried in their backyard. The expenses may include fees for a home study, agency fees, legal representation costs, shipping fees, fertility clinic fees (such as medication, FET preparation, and the FET procedure itself) and travel. You may be wondering, “How can I fund an embryo adoption?” What many people don’t realize is there are alternatives for adoption funding besides savings and asking friends and family. 

Getting creative with funding is the key to financing any adoption. Some families are finding they can adopt for less than they had ever expected! Here are some ways to fund your adoption you may not have considered: 

Fundraising  This is one of the primary ways families finance their embryo adoption. You can have a garage or yard sale, host a painting or craft party, sell cookie dough, or partner with an organization that will help raise funds for adoptions. 

Crowdfunding – Crowdfunding is a great way to raise funding through your social media connections. And it is used to raise money for adoptions all the time! Sites like GoFundMe can help bring in some extra funds when needed. You can also use Adoption Bridge, which is a crowd funding site specifically for adoptions. (This can also be a great way to ask family for donations!) Just make sure you update your post regularly and maybe offer incentives for higher donations. 

Loans - There are many no-interest loans available to help families towards their adoption goal. Be sure the organization is willing to help with embryo adoptions. A good place to start is the ABBA Fund. Each adoption agency will have different loans, adoption grants, and scholarships they work with, as well. 

Fertility Grants – There are many grants available out there for families who are facing infertility and need help building their families. Most of these grants cover IVF expenses, but some also cover FETs and even embryo donation, like the BabyQuest Foundation and the The Pay It Forward Fertility Foundation. However, qualifications for these grants are often times very specific, with most having the requirement that couples or individuals have an official infertility diagnosis. 

Health Insurance – Did you remember this potential source? While health insurance will not cover your adoption agency expenses, it may cover the medication, preparation, and FET at the fertility clinic if you have infertility benefits. Check with you health insurance provider to see if your plan provides infertility coverage. 

Employee Adoption Benefits – Take this funding option with a grain of salt. While some companies do offer some type of adoption credit for their employees, it is almost always for traditional domestic or international adoption. Your employer may be willing to look into extending this benefit on your behalf for an embryo adoption, so it never hurts to ask! 

Remember: The more research you do, the better you will be at finding money for your embryo adoption. To learn more ways to fund an embryo adoption, watch our webinar here. To learn more about embryo donation and adoption, visit EmbryoAdoption.org.