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Extended Health Benefits for Physiotherapy in Toronto

Is Your Physiotherapy Appointment Covered by Extended Health Benefits?

Usually yes. Most extended health plans in Ontario cover physiotherapy, and most cover massage, chiropractic and acupuncture as separate categories with separate limits. What varies is how much, how many visits, and whether you need anything from a doctor first. The rest of this page is how to find out what your plan pays before you sit in the chair.

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4.8 on Google, 300 reviews

Same-day appointments

Multilingual care

North York and Richmond Hill

What "covered" actually means on your plan

Coverage is set by four numbers, and people usually only know one of them. A plan described as “100% physiotherapy” can still leave you paying at every visit.

80% or 100%

Percentage covered

The share the insurer pays, commonly 80% or 100%

Surprises people

Cap per visit

Per-visit maximum

A cap on what the insurer will pay for a single visit, regardless of the percentage. This is the one that surprises people

$300 to $750

Annual maximum

The total for the year, often $300 to $750 for physiotherapy on a workplace plan

Before coverage

Deductible

An amount you pay before coverage starts at all, if your plan has one

Worked example, $120 initial assessment

Here is how those interact, using our published physiotherapy rates. A $120 initial assessment on a plan paying 80% with no per-visit cap leaves you $24. The same visit on a plan that pays 100% but caps payment at $60 per visit leaves you $60, double the first case, from the plan that looked better. If your annual maximum is $500, that is roughly five visits at the second plan’s rate, or around fifteen at the first.

Plan A

Pays 80%, no per-visit cap

Insurer $96

$24

$120 visit

$24

you pay

The plan that looked better

Plan B

Pays 100%, capped at $60 per visit

Insurer $60

You $60

$120 visit

$60

you pay

This is why “is it covered” is the wrong first question. The useful question is what your plan pays per visit, and how many visits that gives you.

How to check your plan in five minutes

Everything you need is in your insurer’s app, your member portal, or one phone call to the number on your card. Ask these five things and write the answers down.

Ask these five things

Write the answers down

1

What is my annual maximum for physiotherapy,
and how much of it is left this year?

2

Is there a per-visit maximum, and what is it?

3

What percentage is covered?

4

Do you need a doctor’s referral for reimbursement?

5

Do you support direct billing to the clinic?

Person on a phone call checking extended health benefits

DEC

31

JAN

1

Most plans run on the calendar year and reset on 1 January, which is why December is the busiest month in every clinic in Ontario. Unused benefits do not carry forward.

Extended Health Care Plan

The referral question, which catches people out

You do not need a referral to see a physiotherapist in Ontario. Physiotherapy is direct access, and the same is true of chiropractic, massage and acupuncture.

Your insurer is a separate matter. Some plans require a physician’s referral before they reimburse, even though the treatment itself does not need one. That is a condition of the policy rather than a rule of the profession, and it is question four on the list above for a reason: a referral obtained after the visit usually does not fix a claim that was already refused.

To see a physiotherapist

No referral needed in Ontario. Direct access.

To get reimbursed

Some plans require a physician's referral.

Direct billing, and what it does not do

Where your insurer supports electronic claims, we submit the claim at the end of the appointment and you pay only what your plan does not cover. You get the balance figure before treatment starts rather than at the desk afterwards.

Balance before treatment

You know the figure up front

Claim sent at the end

Submitted electronically

You pay the rest

Only what your plan does not cover

Clinic reception desk for direct billing

Two caveats worth knowing

Direct billing does not increase your coverage, it only changes who waits for the money.

When it is not supported

And not every insurer supports it for every plan, in which case you pay in full and submit the receipt yourself, which most insurers now accept through an app in a couple of minutes.

Insurer name
Policy or group number
Member ID

To set up direct billing we need your insurer name, policy or group number, and member ID. Bring the card or a screenshot of the app.

Couple coordinating two extended health plans

Two plans at once

If you and a partner both have coverage, or a young adult is still on a parent’s plan, the two can be coordinated. Your own plan pays first, and the second plan can cover part or all of the remainder, up to the total cost of the visit but never more than it. For a couple with modest annual maximums, coordinating the two is often the difference between six visits and twelve.

Claims usually have to go to the first plan and be settled before the second sees them, so it adds a step rather than removing one.

Your own plan pays first

Second plan covers the remainder

Up to the total cost of the visit

Never more

One plan

Two plans

What your plan covers here

Extended health plans treat each of these as its own category with its own annual maximum, so using massage does not eat into your physiotherapy allowance.

A physiotherapist treating a patient at the Richmond Hill clinic

Physiotherapy

the most widely covered of the paramedical categories.

Massage therapy treatment

Massage therapy

where plans almost always require a receipt from a registered therapist.

Chiropractic care treatment

Chiropractic care

usually its own allowance, separate from physiotherapy.

Acupuncture treatment

Acupuncture

covered by many but not all plans, and sometimes only when performed by a registered acupuncturist rather than inside a physiotherapy session.

Custom Orthotics

Custom orthotics

typically requiring a prescription and a gait assessment, with coverage every two or three years rather than annually.

If your injury came from a car accident or a workplace, your extended health plan is not the first payer at all. Those go through motor vehicle accident and WSIB instead.

If you have no coverage

Physiotherapy here is $120 for an initial assessment and $100 for a 45 minute follow-up, the same at both clinics, and you are told the total before you book. OHIP does not fund treatment at private clinics, and who qualifies for government-funded physiotherapy is explained by the College of Physiotherapists of Ontario.

$120

Initial assessment

$100

45 minute follow-up

  • The same at both clinics, total given before you book

Without coverage, the practical move is fewer, better-spaced visits with more of the work done at home. Say so at the assessment and the plan gets built that way rather than assuming a weekly schedule.

Physiotherapy without insurance coverage

Common questions

Five that come up at the front desk almost daily.

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Rarely, in practice. Even plans advertised as 100% often carry a per-visit cap, and the cap is what decides your balance.

No clinic can see your plan’s limits. We can submit the claim and tell you what came back, but the numbers themselves come from your insurer.

Usually it is a missing referral, an exhausted annual maximum, or a practitioner category the plan does not cover. We can tell you which of the three it looks like, and reissue the receipt if something needs correcting.

Most do, on the calendar year. Some run on the employer’s policy year instead, which is worth checking rather than assuming.

If they are covered as a dependent on your plan, yes. Each person usually has their own annual maximum.

Both clinics

Direct billing works identically at either address, with one booking line.

The Richmond Hill clinic is at 9555 Yonge St, Unit 307, and the North York clinic is at 951 Wilson Ave, Unit 15, open seven days a week.

4.8Based on 183 Google reviews
See all 183 reviews on Google
smt avatar 12683
FARZANEH Jahangirian
Posted on Google

I highly recommend Toronto Wellness & Physio Center! The staff are incredibly kind, professional, and welcoming. They truly care about their clients and make you feel comfortable and…valued. The atmosphere is clean, relaxing, and friendly, and the level of care and attention is excellent. It's wonderful to find a place where people genuinely care about your well-being. Thank you to the entire team for your kindness and dedication. I truly appreciate everything you do. Definitely a five-star experience!

smt avatar 11284
Nooshin Ashkanizadeh
Posted on Google

Had an amazing experience at this physiotherapy clinic. The front desk lady Armita was very nice and welcoming and her interaction made my experience even better. The physiotherapist…Vish was also amazing. Totally recommend it!

smt avatar 11288
Sheida jafarpourdavatgar
Posted on Google

I had a great experience at this clinic. Mahdieh at the front desk was incredibly warm, welcoming, and friendly from the moment I walked in — she made…the whole process smooth and comfortable.The physiotherapist was also excellent. Even after just one treatment session, I felt a significant improvement. The quality of care was professional and effective.Highly recommended!

smt avatar 11290
Hanieh Poursheikhali
Posted on Google

I visited this clinic for juvenile arthritis, and my physiotherapist was dear Afrouz. She is truly knowledgeable, skilled, and incredibly dedicated. She works with so much care, patience,…and compassion. I had an excellent result and felt supported throughout the entire process. I would also like to thank their lovely receptionist, Sepideh, who is very warm, welcoming, and attentive. She handles requests with care and professionalism. This was honestly the best physiotherapy experience I’ve ever had. Highly recommended!

smt avatar 11291
Lida Meysam
Posted on Google

Great physiotherapy clinic! Very professional and caring. I feel bettet after the sessions. Nicoya is the best. Mahdieh is nice and helpful.

smt avatar 11295
Armin Bahrami
Posted on Google

Excellent services, I use the physiotherapy for better athletic performance and they helped a lot.

smt avatar 11298
Maryam
Posted on Google

had a great experience at this clinic. The physiotherapist was knowledgeable, patient, and really listened to my concerns. I noticed significant improvement after just a few sessions. The…staff is friendly and professional. Highly recommend!

smt avatar 11309
Pooya Mirzabeygi
Posted on Google

I’ve had a fantastic experience at Toronto Wellness & Physio Centre in Richmond Hill. The clinic is clean, modern, and the staff is incredibly professional.I highly recommend…booking with Negar for Pilates—she is truly a "great one." Her attention to detail and ability to tailor exercises to your specific needs is unmatched. I’ve noticed a huge difference in my core strength and posture since starting with her.If you're looking for expert care and a team that genuinely cares about your recovery, this is the place to go!

smt avatar 11316
Sasan Salehi
Posted on Google

I went here for both massage and physio and had a great experience. The clinic is clean, and the service is excellent.My masseuse, Banafshe, was fantastic, she…listened to my concerns, focused on exactly what I needed, and I felt a big improvement right away.Highly recommend. I’ll definitely be coming back on a regular basis.

smt avatar 11326
Berfin Isik
Posted on Google

I’ve been visiting Toronto Wellness & Physio Centre and I couldn’t be happier! The staff are friendly, professional, and attentive, making every visit a great experience. I highly…recommend this clinic to anyone looking for quality care and excellent service! 💛

smt avatar 11327
homeyra gh
Posted on Google

Great clinic with professional and friendly staff. The physiotherapy. The physiotherapy sessions really helped with my pain. Highly recommended.

smt avatar 11329
rashin mirzaei
Posted on Google

I had an amazing experience at Wellness Physio Richmond Hill! 🌸 The team is professional, friendly, and truly cares about their patients. The clinic is clean, relaxing, and…after a few sessions I felt so much better. 🙏 Highly recommend this place!

Richmond Hill (Yonge St)

9555 Yonge St, Unit 307, Richmond Hill, ON L4C 9M5

Monday to Saturday

10:00 AM to 6:00 PM

Sunday

Closed

Richmond Hill clinic
Directions
5.0Based on 84 Google reviews
See all 84 reviews on Google
smt avatar 11332
sedna kh
Posted on Google

I had a wonderful experience at this physiotherapy clinic! The staff were knowledgeable, kind, and made me feel completely comfortable during every session. The treatments were personalized and…really helped relieve my pain. I highly recommend this place to anyone looking for professional and caring physiotherapy services.

smt avatar 11462
Pedro Javier Ortiz
Posted on Google

Great services , Specially from Dishan a lot good exercises.

smt avatar 11466
alireza araghi
Posted on Google

I have been using Toronto Wellness physiotherapy and massage services for a year and I am very satisfied. The politeness, accuracy, skill and customer service of the staff…are excellent. I congratulate the management and staff here. You are wonderful! 🌹❤️🌹

smt avatar 11338
Kimia Mirzaei
Posted on Google

Very professional and welcoming team. The care I received at Toronto Wellness & Physio Centre made a real difference in my recovery. Clean environment and easy scheduling. Highly…recommended.

smt avatar 11341
Adrina Tp
Posted on Google

I had a wonderful experience at this physiotherapy and massage clinic.

smt avatar 11472
M Nojomi
Posted on Google

.Great staff and environment, the receptionists and physiotherapist are great.

smt avatar 11473
Feri Foladi
Posted on Google

I have a great experience at this centre.the staff specially at the reception are very kind an lovely. Miss Vishrutiben is a great physiotherapist.

smt avatar 11349
Amir Kazemi
Posted on Google

I had the best massage ever at Toronto Wellness Physio Center! I was impressed by how clean, calm, and welcoming the environment was. The staff are incredibly friendly…and professional, and they really go above and beyond to make you feel comfortable and cared for.The massage itself was exceptional — relaxing, therapeutic, and exactly what I needed. You can tell they truly know what they’re doing, and they tailor the experience to your needs.I will definitely be coming back and would highly recommend this place to anyone looking for high-quality wellness care in Toronto.

smt avatar 11478
oveis kazemi
Posted on Google

I had a very good experience with all the staff at Toronto Wellness The physiotherapists at this center are excellent.

smt avatar 11480
Cihan Tastan
Posted on Google

Friendly customer satisfaction, good massage and physiotherapy, I was satisfied, thank you.

smt avatar 11416
Nasrin Sobhani
Posted on Google

Toronto wellness physio center is amazing. The team is professional, caring,and really listens to your needs.I ft a big improvement after just a few sessions. Highly recommend.

smt avatar 11491
Amir
Posted on Google

I’ve completed seven sessions at the Wilson Avenue branch of Toronto Wellness and Physio Center, and I’m extremely satisfied with the care I’ve received.The physiotherapy, led by…Mr. Shashika, was excellent. His accurate diagnosis and effective treatment helped relieve my neuro-muscular issues noticeably.The massage therapy team, managed by two skilled Iranian women, was also fantastic. I especially enjoyed the hot stone massage—relaxing and truly effective.The reception team, led by Ms. Assal, creates a warm and professional atmosphere. She's fluent in Persian, English, and Turkish, and ensures everything runs smoothly.They also work with various insurance plans, which makes accessing care much easier.Highly recommended for quality treatment and outstanding service!

North York (Wilson Ave)

951 Wilson Ave, Unit 15, North York, ON M3K 2A7

Monday to Saturday

10:00 AM to 6:00 PM

Sunday

11:00 AM to 6:00 PM

North York clinic
Directions

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