Insurance coverage, without the guesswork.
We strive to make accessing therapy as simple as possible. While we cannot guarantee coverage, most of our clients have not experienced issues with reimbursement from Ontario's major insurance providers.
What you need to know.
Every insurance plan is unique. We strongly encourage you to contact your provider directly to confirm whether counselling with a Registered Psychotherapist is covered under your plan. Most extended health plans include psychotherapy, and after every session we give you a receipt you can submit for reimbursement.
Insurers we can bill directly
Direct billing depends on your plan and your clinician’s designation; if it is not available, you receive a receipt after every session to submit yourself.
| Insurer | Direct billing |
|---|---|
| Canada Life | Available where the plan allows |
| Manulife | Available where the plan allows |
| Sun Life | Available where the plan allows |
| Beneva | Available where the plan allows |
| Desjardins Insurance | Available where the plan allows |
| Equitable | Available where the plan allows |
| iA Financial Group | Available where the plan allows |
| ClaimSecure | Available where the plan allows |
| GreenShield | Available where the plan allows |
| Medavie Blue Cross | Available where the plan allows |
| Blue Cross (eligible regional plans) | Available where the plan allows |
| Chambers of Commerce Group Insurance | Available where the plan allows |
| Johnston Group | Available where the plan allows |
| GroupHEALTH | Available where the plan allows |
| GroupSource | Available where the plan allows |
| RWAM Insurance | Available where the plan allows |
| Simply Benefits | Available where the plan allows |
| People Corporation | Available where the plan allows |
| BPA | Available where the plan allows |
| CINUP | Available where the plan allows |
| Maximum Benefits | Available where the plan allows |
| Union Benefits | Available where the plan allows |
| UV Insurance | Available where the plan allows |
| First Canadian | Available where the plan allows |
| Johnson Insurance | Available where the plan allows |
| Cowan | Available where the plan allows |
| GMS (select plans) | Available where the plan allows |
| LIUNA benefit plans | Available where the plan allows |
| Canada Life PSHCP | Available where the plan allows |
| Any other insurer | Receipt after every session for reimbursement |
Sessions at Trust Therapy
Fees are set per clinician and confirmed on your free consultation before anything is booked.
| Session | Length | Format | Billing |
|---|---|---|---|
| Free consultation | 30 min | Phone or video | No charge |
| Individual therapy | 50 min | In person or online | Direct billing where eligible; receipt otherwise |
| Couples or family therapy | 50 min | In person or online | Direct billing where eligible; receipt otherwise |
| Child or teen therapy | 50 min | In person or online | Direct billing where eligible; receipt otherwise |
Helpful reminders
- Coverage may vary between individual and group insurance plans.
- Receipts are provided after each session for easy reimbursement.
- If your provider is not listed here, you may still be covered. Always confirm directly.
Questions about your plan?
Book a free consultation or give us a call. We are happy to walk you through receipts, coverage, and next steps.