Is Massage Therapy Covered by Insurance in Ontario?

Massage therapy is one of the most widely used health benefits in Ontario, yet many people are not sure what their plan covers. Here is a plain language guide to how coverage usually works for registered massage therapy (RMT).

Is massage therapy covered by OHIP?

No. OHIP does not cover massage therapy. Most people use extended health benefits through work, a spouse’s plan or a private plan.

How extended health coverage usually works

• Most plans cover treatment by a registered massage therapist, up to a yearly or per visit maximum.
• Some plans ask for a doctor’s referral before they will reimburse massage therapy.
• Receipts need to come from a registered massage therapist and include their registration number.
• Coverage often resets each calendar or plan year, so check when yours renews.

Questions to ask your insurance provider

• Is registered massage therapy covered under my plan?
• What is my yearly maximum, and how much have I used?
• Do I need a referral from a physician?
• Is there a limit on visits or on the length of each session?
• Can the clinic bill you directly?

Direct billing

Springdale offers direct billing to most insurance companies. That means we can submit eligible claims for you, so you only pay any portion your plan does not cover. Bring your insurance details to your first visit and our front desk will help you check.

Car accident and WSIB claims

After a car accident in Ontario, massage therapy may be covered under your auto insurance accident benefits as part of a treatment plan. If you were injured at work, WSIB may cover treatment that is part of an approved plan. In both cases, coverage depends on your claim, so speak with your insurer or adjuster.