Cancellation Policy
Cancellation and No-Show Fees
You will be charged the full amount for cancelling late or not showing up.
Other Information
Other Services
Documentation fees are typically 1 clinical hour per page.
Please request a quote from your therapist for these services:
Letters of any kind
Filling out Emotional Support Animal Forms (ESA)
Referral forms for other services
Case reports or summaries
Complete file extraction
Case consultation with other professionals
Methods of Payment
All Credit Cards
Direct Deposit
E- Transfer: contact@theinsightclinic.ca – please ensure in the memo is your client # provided by your therapist.
If you do not have insurance coverage
Please take action, write to your employer. You may use this letter provided by The Registered Psychotherapists Insurance Committee: Client to Employer letter
Disclaimer: In downloading the forms on this page, I agree to modify only the personal details (name, address, employer, etc.) and leave the content of the letter or document unchanged. A clinical hour is 50 minutes the remaining 10 minutes of are reserved for note taking and scheduling your following session.
Psychotherapy & Insurance Coverage – FAQ
1. Is psychotherapy covered by insurance?
Often, yes — but coverage depends on your specific insurance plan. Many extended health benefit plans in Canada provide partial or full reimbursement for psychotherapy services.
2. Do you bill my insurance company directly?
Most psychotherapy clinics do not offer direct billing. Clients typically pay for sessions at the time of service and submit receipts to their insurance provider for reimbursement. For individuals who have coverage with Canada Life, Greenshield and Industrial Alliance, we have the option of offering direct billing.
3. How do I know if my insurance covers psychotherapy?
We recommend contacting your insurance provider directly and asking:
- Is psychotherapy covered under my plan?
- What is the annual maximum?
- What is the reimbursement percentage (e.g., 80%)?
- Is a doctor’s referral required?
- Which provider credentials are covered?
4. What provider titles are typically covered?
Coverage varies by insurer, but many plans cover services provided by:
- Registered Psychotherapists (RP)
- Registered Psychotherapists (Qualifying)
- Psychologists
- Social Workers (RSW)
Your plan may only cover certain designations, so it’s important to confirm.
5. What is the difference between “Psychotherapist” and “Psychotherapist (Qualifying)” for insurance?
Some insurers cover both, while others only cover fully registered providers. A Psychotherapist (Qualifying) is in the final stage of registration and practices under supervision. Coverage depends entirely on your plan.
6. Do I need a referral from my doctor?
Most insurance plans do not require a referral, but some do. Your insurer can confirm this for you. To access our Psychiatry assessment, we will provide you with a referral form that your Doctor can complete and send back to us.
7. How much will my insurance reimburse me?
Reimbursement depends on:
- Your plan’s percentage coverage
- Your remaining annual maximum
- The provider’s designation
For example, if your plan covers 80% up to $1,000 annually, you would be reimbursed $160 of a $200 session until your maximum is reached.
8. What happens if I reach my annual maximum?
Once your annual maximum is reached, you would be responsible for the full session fee unless:
- Your benefits reset (often annually), or
- You have coverage through another plan (e.g., a spouse’s plan).
9. Can I use more than one insurance plan?
Yes. If you have secondary insurance coverage (such as a spouse’s plan), you may be able to submit remaining balances for additional reimbursement.
10. Will you provide receipts for insurance claims?
Yes. After each session, you will receive a detailed receipt that includes all required information for insurance submission. If you require specific information on your invoice for a specific service (for example, Psychoeducational receipts may require specific information), we are happy to update the information for an invoice or provide a sample invoice that can be sent to insurance.
11. Are missed or late-cancelled appointments covered by insurance?
No. Insurance companies do not reimburse for missed or late-cancelled appointments. These fees are the client’s responsibility.
12. What if my insurance does not cover psychotherapy?
If psychotherapy is not covered:
- You may still choose to pay privately
- Some clients use Health Spending Accounts (HSA) or Lifestyle Spending Accounts (LSA)
- We can discuss session frequency options to support affordability
13. Can the clinic verify my insurance coverage for me?
We’re happy to provide general guidance, but clients are responsible for confirming coverage directly with their insurance provider, as plans and coverage details vary.
14. Does insurance coverage affect the quality of care?
No. Insurance coverage does not impact the quality, length, or type of care you receive. Treatment decisions are based on clinical needs, not insurance limits.
