Many Toronto insurance plans include massage therapy coverage if it’s performed by an RMT. Here’s how to check and claim.
Is Massage Therapy Covered by Insurance in Ontario?
Short answer: Yes — if you’ve got extended health benefits.
If you live in Toronto and have private or employer-provided health benefits, there’s a very good chance that massage therapy is covered under your plan.
Here’s what you need to know:
✅ 1. It’s Usually Covered Under “Paramedical Services”
Most extended health plans include massage therapy alongside other services like:
- Physiotherapy
- Chiropractic care
- Acupuncture
- Psychology or mental health support
You’ll usually find it listed as “Massage Therapy” or “Registered Massage Therapy (RMT).”
Coverage can range from $300 to $1,500 per year, depending on your plan.
✅ 2. It Must Be Done by a Licensed RMT
To be eligible for reimbursement, the treatment must be performed by a Registered Massage Therapist (RMT) — someone trained and licensed by the College of Massage Therapists of Ontario (CMTO).
👉 All massage therapists at YFS are fully licensed RMTs — so yes, your sessions with us are covered.
❓ 3. Do I Need a Doctor’s Referral?
That depends on your insurance plan — not on YFS or your therapist.
Some plans require a referral from a physician before they’ll reimburse your claim. Others don’t.
Check your benefits booklet or online portal under “Massage Therapy” to see if a referral is needed.
Need help reading it? Bring it in — we’ll walk you through it.
💳 4. Can You Direct Bill My Insurance?
In many cases, yes. We offer direct billing to most major insurers including:
- Sun Life
- Manulife
- Canada Life
- Green Shield
- Blue Cross
- Desjardins
If your plan supports it, we’ll bill them directly so you’re not out of pocket.
If not? We’ll give you a detailed receipt for easy reimbursement.
🚫 5. Is Massage Covered by OHIP?
No — massage therapy is not covered by OHIP.
Only private insurance or self-pay covers massage in Ontario.
Final Word: Use Your Benefits — Don’t Lose Them
Your massage coverage resets every year, and unused sessions don’t carry over.
If you’re dealing with pain, tension, stress, or injury recovery — and you’ve got benefits — this is your sign to use them before you lose them.
Book your RMT massage at YFS today — we’ll help you check your coverage, handle the paperwork, and get back to feeling like yourself again.
