Services for Intended Parents  Services for Surrogates  Services for your Clients

Over 170 insurance verifications are completed by ART Risk’s professional team each month.


  • A review and verification of a Gestational Carrier’s insurance policy to confirm that there are no surrogacy exclusions or subrogation clauses that would deny payment of maternity medical claims.
  • After the policy has been fully reviewed, a written professional opinion is given to all necessary parties.


  • Full review of the Evidence of Coverage to determine any language that could prove to be adversarial for the journey.
  • Phone call to the insurance carrier requesting further information, asking specific questions regarding ambiguous language and completing a recorded conversation with reference number for the information provided.
  • A written, professional opinion provided to all necessary parties provided within a five-business day period of ART Risk receiving all requested documents.
  • Phone consultation with the Intended Parents, Agency, Lawyers, and/or Surrogate to explain the written opinion and the next steps, if any that need to be taken for insurance coverage.


  • COMPLIES WITH FAMILY CODE– ART Risk’s Insurance Verification complies with California Law, Family Code Section 7962.
  • PROVIDES KNOWLEDGE – It is best practice to know up front what the involved financial risks are with using a Surrogate’s current insurance policy. The insurance verification allows all parties to make informed decisions.
  • FIRST STEP IN THE JOURNEY – A small but significant investment in preparing financially for the journey to eliminate or lessen the financial risk.


  • There have been numerous Gestational Carriers who were a dependent daughter on their parents’ insurance policy. At first glance of the policy booklet, there were no exclusions for surrogacy.  However, after further review there were exclusions for maternity coverage of a dependent daughter.  With a small investment at the beginning of the journey, thousands of dollars of denied claims were saved for the Intended Parent because of taking advantage of this service offered by ART Risk.


  • EXPERIENCE – With over 170 insurance verifications completed monthly and 17 years-experience in the ART field, ART Risk can guide all parties in making the soundest decision and offer suggested next steps in providing the right insurance coverage for each unique journey.
  • EXPERTISE– Should the Surrogate’s current insurance policy be found to have exclusions and a Primary or Secondary policy is suggested, ART Risk has the expertise to point the Intended Parent in the right direction as to which policies available provide the right coverage for their specific needs.
  • HIGH QUALITY CLIENT CARE – With over 100 agencies and attorneys using this service monthly, most of which are repeat clients; ART Risk’s professionalism and quality service fulfills the needs of clients and provides exceptional client care.