Get physiotherapy covered by your extended health insurance at The Art of Life Health Centre in North York. We direct bill most major insurance providers, so you can start treatment without paying out of pocket and waiting on reimbursement.
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Physiotherapy Coverage Through Your Extended Health Plan
Most extended health insurance plans in Ontario — through your employer, your spouse’s plan, or a private policy — include an annual physiotherapy allowance. OHIP does not cover physiotherapy for most working-age adults outside of hospital settings, which is why extended health benefits are how the majority of patients pay for treatment.
Your plan’s physiotherapy coverage typically includes:
- Initial physiotherapy assessment
- Follow-up treatment sessions
- Manual therapy and guided rehabilitation exercises
- Advanced modalities such as radial shockwave therapy and decompression therapy, depending on your plan
Coverage amounts, per-visit limits, and referral requirements vary by plan. Our team can verify your specific coverage before your first appointment.
We Direct Bill Most Major Insurance Providers
With direct billing, we submit your claim on your behalf — you’re only responsible for any remaining balance after your insurance portion, if applicable. No forms to mail, no waiting weeks for reimbursement.
See our full list of accepted providers and billing details on our Direct Billing page.
Injured in a Car Accident or at Work?
If your injury is the result of a motor vehicle accident, treatment is generally billed through your auto insurer’s accident benefits rather than your extended health plan. If it happened at work, it may fall under WSIB coverage instead. Both require specific documentation and reporting, which our clinic handles directly with the insurer or WSIB case manager.
How to Check Your Coverage Before You Book
- Annual physiotherapy maximum — how much your plan covers per calendar year
- Per-visit limit — some plans cap the amount covered per session
- Referral requirements — some insurers require a doctor’s note
- Direct billing eligibility — confirm your provider supports direct billing for your specific plan
Our front desk is happy to check this for you ahead of your visit so there are no surprises.
Why North York Patients Choose The Art of Life Health Centre
- In business for over 20 years at 885 Don Mills Road, North York
- Direct billing for extended health insurance, WSIB, and motor vehicle accident claims
- 60,000+ treatments performed, 80+ five-star reviews
- Multidisciplinary care under one roof: physiotherapy, massage therapy, osteopathy, naturopathy, and more
Book Your Physiotherapy Assessment
Frequently Asked Questions
Does OHIP cover physiotherapy in Ontario?
For most adults, no. OHIP-funded physiotherapy is limited to specific groups, such as people over 65, children under 19, and those recently discharged from hospital for a related condition. Most working-age adults rely on extended health insurance or pay privately.
Do I need a doctor’s referral for physiotherapy to be covered?
It depends on your insurance plan. Some plans require a referral for reimbursement, while others don’t. Our front desk can confirm your plan’s requirements before your first visit.
Does The Art of Life Health Centre offer direct billing for physiotherapy?
Yes. We direct bill most major extended health insurance providers for physiotherapy, so in many cases you pay only the difference, if any, at the time of your visit.
How much of my physiotherapy will my insurance cover?
This depends on your specific plan’s annual physiotherapy maximum and per-visit limit. We can verify your remaining coverage before you book your first appointment.
Can I use extended health insurance for a car accident or work injury?
Usually not directly. Car accident injuries are typically billed through your auto insurer’s accident benefits, and workplace injuries through WSIB, rather than your extended health plan. We handle billing for both of these separately.
