Therapy covered by insurance—fees, receipts, and reimbursement (Ontario, Canada)
We believe therapy should feel clear, accessible, and free from hidden surprises. This page explains our session fees and how therapy covered by insurance typically works for psychotherapy clients in Ontario.
Session Fees (Ontario)
Online therapy cost & relationship therapy cost
Our rates are consistent with community norms for specialized psychotherapy in Ontario and reflect clinician training, experience, and the type of care provided.
Current fees
- 50‑minute therapy sessions:
- 200 for Individual Sessions
- 225 Couple’s sessions
- We also offer 80 and 100 minute sessions available at prorated fees (helpful for Deep Dive sessions and longer couple’s sessions)
- Online therapy cost: Online sessions are priced the same as in-person sessions (when available), because the clinical service, preparation, and professional standards remain the same.
Payment Methods
We accept:
- Credit card
Receipts are provided for insurance reimbursement.
Insurance & Extended Health Benefits
Is therapy covered by insurance in Canada?
In many cases, therapy is covered by insurance in Canada through extended health benefits—but coverage varies by insurer and by employer plan.
Most plans reimburse psychotherapy when:
- the provider type is eligible (often Registered Psychotherapist (RP), and
- you submit a receipt with the details your plan requires.
At Unleash Synergy, we provide receipts clients commonly submit for reimbursement. We cannot guarantee coverage—your insurer is the only source of confirmation for your specific policy.
Common insurers that may cover Registered Psychotherapists (plan-dependent)
Many Ontario plans with these providers often include RP coverage (depending on the policy):
- Sun Life
- Manulife
- Canada Life (including PSHCP plans where applicable)
- Green Shield Canada
- Blue Cross (Ontario & Medavie Blue Cross)
- Desjardins
- Equitable Life
- The Co‑operators
- ClaimSecure
- Empire Life
- Beneva (formerly SSQ)
- GroupHEALTH
- RWAM Insurance Administrators
- NextGenRx
Note: This list is provided for convenience and is not a guarantee of coverage.
How to Verify Your Coverage (Ask These Questions)
Before your first session, call your benefits provider and ask:
- Does my plan cover “Registered Psychotherapists (RP)”?
(Some plans only cover psychologists or social workers—confirm the exact provider category.) - What is my annual maximum and per‑session reimbursement amount for psychotherapy?
(Example: - 500/year,
- 500/year,2,000/year, or a per‑visit cap.)
Optional (often important):
3) Do I need a referral for reimbursement?
Receipts & Reimbursement
Your receipt typically includes the information insurers request, such as:
- practitioner name and credentials
- date of service
- session type/length
- amount paid
- registration details (as applicable)
Many insurers allow you to upload receipts through an online portal.
Leadership & Credentials
Unleash Synergy is led by Evguenia Cheinis, MA, RP, a Registered Psychotherapist (CRPO) with a Master’s degree in Counselling Psychology. Evguenia is an Associate Member of the Sex Therapy Association of Ontario (ASTO) and holds certifications in Sex Therapy and Energy Healing. With over 13 years of experience, she is a recognized voice in sexual health and relationships, supporting individuals and couples with care that is compassionate, structured, and deeply affirming.
Recommended internal link (add): [Evguenia Cheinis, MA, RP] (link to /team/evguenia)
Online Therapy Services
- [online psychotherapy]
- [online couples counselling]
- [online relationship therapy]
- [online marriage counselling]
- [relationship counselling online]
- [online sex therapy]
- [online group therapy]
Relationship Therapy Services
- [Individual Psychotherapy]
- [Couples Therapy]
- [Marriage Therapy]
- [Sex Therapy]
- [Holistic & Energy Therapy]
Useful Links
- Government of Canada (Canada.ca): Medical expenses (tax credit) information
- CRPO: Public Register / information about Registered Psychotherapists in Ontario
Important Notes
- No hidden fees: session length and pricing are listed above.
- Insurance is plan-specific: we provide receipts; reimbursement is determined by your provider.
- Not for emergencies: If you need urgent help, call 911 or go to the nearest emergency department. In Canada, you can call/text 988 (24/7).