Adopting a baby is a major investment. You’re committing to raising a child, and that takes a lot of responsibility. When it comes to your mental headspace, you know you’re ready. But what about your financial situation? That’s where American Adoptions steps in.

Through our Risk-Sharing Program, you don’t have to worry about losing all the money you have invested into your adoption decision. Below, you can learn exactly how we provide financial protection for all our hopeful adoptive families. You can also get more free information now when you contact us online today.

How We Protect Your Finances

The reality is that adoption disruptions happen. But, our hopeful adoptive families don’t lose their money when they do. We have a Risk-Sharing Program that allows your already-committed investment to circle back to you while we find your next adoption opportunity. Here at American Adoptions, safety and security are priorities.

Many adoption professionals can’t guarantee you will get your money back if a disruption occurs. When a disruption does happen, it is already such an emotionally difficult situation. You shouldn’t have to worry about dealing with a financial loss, too. When you work with our agency, you can rest assured that you will be refunded.

With the vast majority of adoption professionals, they implement a “rollover” policy, meaning that the agency will keep all your money and use it for another adoption opportunity with them. But, if you want to work with a different professional or take a break from the adoption process, you would lose all the money you’ve already put toward it.

We understand that you may be mentally exhausted from such an emotional situation. That’s why our agency doesn’t use the rollover policy. Our team consists of numerous adoptive parents, and we know firsthand how hard a disruption can be. American Adoptions’ Risk-Sharing Program gives you the refunds and the reassurance that you need.

The Risks of Adoption Facilitators and Consultants

While you’ve been doing some more research on your adoption decision, you may have looked into the most cost-effective options for adopting a baby. As a result, adoption facilitators and consultants might have grabbed your attention. But, it’s often unsafe and risky to work with them.

One key factor to be aware of is the adoption cost estimate that facilitators and consultants typically give. They tend to reflect the absolute best-case scenario and provide an inaccurate portrait of how much the adoption will actually cost for you. Your fees will balloon as the adoption process moves along, so you’ll be paying significantly more money than what an adoption facilitator outlines from the beginning.

After they refer you to a local adoption professional, you will need to pay those agency’s fees in addition to what you have already paid the facilitator or consultant. If a disruption were to occur, then you would lose all the money that you’ve poured into the process. This means that there is both a higher cost and a higher risk.

On top of this, those inaccurate fee estimates play out in another way. An adoption disruption with a facilitator also means that you’ll be paying for each of those disruptions as well as the adoption that turns out to be successful.

At American Adoptions, our Risk-Sharing Program provides you with financial flexibility and autonomy throughout your entire adoption journey. We have helped complete adoptions from start to finish for more than 30 years. Since implementing our Risk-Sharing Program, our insurance has refunded 100% of the lost fees in 98% of our families’ disruptions.


Do you have more questions about how we financially protect hopeful adoptive parents? That’s OK. Adoption is a complex process. We’re always here to answer them for you. You can fill out our online contact form at any time to get free adoption information now. We would love to help you out in any way that we can.