Where can I buy insurance that will cover the donor (or the recipient) in event of complications arising from her donation?
Some clinics using anonymous donors require patients to buy a policy for the donor through the clinic. These policies are written by large insurance companies on a group basis. One such policy is underwritten by a company called American Insurance Group in Wilmington, DE and costs approximately $500 per cycle. These policies are generally not sold to individuals. Although many policies exclude IVF from coverage, complications arising from IVF treatment will often be covered. Review your insurance contract to see if the exclusions list includes complications from uncovered procedures. Most insured donor egg recipients do not buy supplemental insurance to cover risks from IVF/DE. However, in the event that the donor does not have medical insurance or for other reasons, it may make sense to buy a short term individual major medical policy to cover any catastrophic consequence (hospitalization of donor, etc.). Some companies offer short-term plans with limited underwriting (meaning that th
