Direct Insurance Billing

You already pay for your benefits every payday. So the last thing you should be doing in a waiting room is math with your wallet. Direct billing physiotherapy should feel effortless — and here, that is the whole point. We handle the paperwork with your insurer directly, so your energy goes toward feeling better, not toward chasing a claim that should have been simple all along.

Direct billing that removes the friction

Most of the care we offer is covered by extended health plans, and wherever your plan allows it, we bill your insurer directly. No paying in full up front, no waiting weeks for a reimbursement cheque. At the end of your visit you simply settle any portion your plan doesn't cover — and often, that's nothing at all.

We work with most of the major carriers, including plans through Sun Life, Manulife, and Canada Life, among many others. If you've been searching for a physiotherapy clinic near you with direct billing, this is the part we've made genuinely easy. Bring your policy details and we'll take it from there.

Is pelvic floor physiotherapy covered by insurance in Ontario?

Here's the honest version. OHIP covers physiotherapy only in limited situations — certain hospital-based programs, or eligible seniors and younger patients through publicly funded clinics. For most adults, routine physiotherapy at a private clinic isn't covered by OHIP.

This is exactly what extended health benefits are for. If you have coverage through work or a private plan, pelvic floor physiotherapy is very often included under your paramedical allowance in Ontario. Coverage amounts and annual maximums vary from plan to plan, so a quick call to your insurer before your first visit is always worth it to confirm your limits.

Do you need a doctor's referral for physiotherapy in Ontario?

Usually, no. In Ontario you can see a registered physiotherapist directly, without a doctor's referral — you're welcome to book online and come straight in.

The one thing worth checking is your insurance. A handful of extended health plans still ask for a physician's referral before they'll reimburse, even though the law doesn't require one for treatment. A two-minute look at your policy, or a short call to your provider, tells you whether yours is one of them.

What to bring to your first appointment

• Your insurer and plan or policy number
• A referral or prescription — only if your plan requires one
• Photo ID

Current fees for assessments and follow-up visits are shared in full when you book or call — no surprises. And our front desk is always glad to walk you through what your plan will and won't cover before you commit to anything.

Not sure what your coverage looks like? You don't have to figure it out alone. Reach out and our team will help you read your plan and estimate your out-of-pocket portion, if any — so everything is clear well before you sit down for care.