How to Pay Using Insurance for Virtual Wellness Services in Canada
Navigating insurance coverage can be confusing — especially when it comes to virtual health and wellness services. Whether you're booking a session with a naturopath, dietitian, or mental health professional, understanding how to use your benefits can save you time, money, and stress.
In this post, we’ll break down how insurance works for wellness services in Canada, what’s typically covered, and how you can make the most of your plan.
1. Check Your Extended Health Benefits Plan
In Canada, most virtual wellness services are not covered under provincial health care plans (like OHIP or MSP) unless provided by a physician. However, many private or employer-sponsored extended health benefit (EHB) plans cover services such as:
- Naturopathic medicine
- Registered dietitian consultations
-
Mental health therapy (psychologists, social workers, etc.)
📌 Tip: Look for a section in your plan called Paramedical Services or Allied Health Services.
2. Confirm the Practitioner’s Credentials
Insurance providers typically only reimburse services performed by licensed professionals. Make sure the practitioner you’re seeing is:
- Registered with their provincial college or association
- Recognized by your insurer (some require pre-approval)
At the Virtual Wellness Center, all practitioners are fully licensed and issue official receipts with license numbers for reimbursement.
3. Pay Upfront, Then Submit a Claim
Most virtual wellness services require direct payment at the time of booking. You’ll receive a digital receipt immediately after your session. You can then:
- Submit the receipt via your insurer’s app or website
- Receive reimbursement (often within a few days)
NOTE: Some plans also allow direct billing through platforms like Telus Health. Those plans we can bill directly, and you do NOT have to pay up front. But please, double check the details of your plan first to avoid any unfortunate surprises!
4. Know Your Annual Limits
Coverage is often capped per service. For example:
- Naturopathy: up to $500/year
- Psychology: up to $1,000/year
- Dietitian: up to $300/year
It’s smart to track your usage through your insurer’s dashboard or mobile app.
5. What About Virtual Services?
Most insurers in Canada now accept claims for virtual sessions, especially since the pandemic accelerated digital care. Be sure the receipt clearly states:
- Service was provided virtually
- Date, duration, and type of service
- Practitioner’s credentials and registration number
All our receipts at the Virtual Wellness Center are insurance-ready and follow this format.
6. Don’t Have Coverage? You Can Still Deduct Wellness Costs
Even if you’re uninsured, you may be able to claim eligible health expenses on your income tax return through the Medical Expense Tax Credit (METC). Check the CRA’s guidelines to see what qualifies.
Final Thoughts
Paying for virtual wellness care in Canada is easier than ever — as long as you know your plan and keep good records. At our center, we strive to make the process simple, transparent, and fully supportive of your journey to better health.
✅ Need Help?
If you're unsure whether your insurance covers our services, we’re happy to help you check! Just [contact us] or speak with your insurer directly.