Insurance & Coverage

Contrary to common belief, there is publicly-covered Physiotherapy in Ontario.  Some outpatient Physiotherapy clinics in Ontario offer coverage for Physiotherapy through OHIP.  In order to determine if you are eligible for Publicly-Funded Physiotherapy, please click on the following link: https://www.ontario.ca/page/physiotherapy-clinics-ohip-funded

St. George Physiotherapy Clinic is one of the few providers of publicly-funded Physiotherapy services in our local Ontario Health region.  Please call or email us if you require further details.

St. George Physiotherapy offers physiotherapy treatment covered by the hospital where you have had your hip, knee, or shoulder replacement if you have had your surgery in Ontario.  You must not have received any publicly-funded outpatient Physiotherapy and you need your surgeon's referral note as well as the bundled funding package from your hospital in order to be considered.  Please contact us if you need further details.

In Canada, the IFHP provides limited, temporary coverage of health-care benefits to people in the following groups who aren’t eligible for provincial or territorial (PT) health insurance:

• protected persons, including resettled refugees;
• refugee claimants

Physiotherapy is covered under the benefits.  If you are part of one of the above groups of patients, please call the clinic for further details on how to access the service under The IFHP.

You may have access to coverage for our services through your extended health care benefits package.  The type and amount of coverage varies from plan to plan.  Please contact your benefits provider to determine what you coverage is.  If you require some aid in navigating your coverage, please speak to our front desk.  We will do our best to assist you.

Did you know that St. George Physiotherapy  Clinic offers direct billing services for the treatment you receive at the clinic?  The ability to bill directly depends on your plan and provider.  Free yourself of all the work and hassle of tracking your invoices, receipts, reimbursement! Please speak to the front desk for further details.  Currently, we may be able to directly bill the following insurers:

• Greenshield
• Great West Life
• ManuLife
• Sun Life Financial
• Desjardins Insurance
• Industrial Alliance
• Blue Cross
• Johnson
• Johnston Group
• Chambers of Commerce Group Insurance Plan
• CINUP
• Cowan
• First Canadian Insurance Corporation
• Group Health Benefit Solutions
• Manion
• Maximum Benefit

• If you are a Full-Time undergraduate student at the University of Toronto's downtown campus,  and have not opted out of the Health and Dental Plan, your coverage is through Desjardins.  We cannot bill directly on your behalf but an easy to use app is available for you to get reimbursed quickly, safely, and easily.  For more details, please visit https://www.utsu.ca/health/
• If you are a Graduate Student at the University of Toronto's downtown campus and have not opted out of your Health and Dental Plan,, you are covered under Greenshield and we may be able to bill directly on your behalf.  For more details, please visit https://www.utsu.ca/health/
• If you are a Part-Time Undergraduate Student at the University of Toronto's downtown campus and have not opted out of your Health and Dental Plan,, you are covered under Greenshield and we may be able to bill directly on your behalf.  For more details, please visit https://www.utsu.ca/health/

Desjardins: 

Great West Life:

Manulife:

Sunlife:

Greenshield (non- U of T students):

Hassle Free direct billing and co-ordination of benefits is standard at St George Physiotherapy.  You are free to attend your clinic of choice, as we are able to provide the same treatment and administrative services as clinics recommended by your insurer.

Direct Billing is standard for WSIB services at St. George Physiotherapy Clinic.

Coverage for Virtual Physiotherapy Services are currently being supported by the following insurers:

- Canada Life/Great West Life

- Sun Life Canada

- Green Shield Canada

- Manulife

- Medavie Blue Cross

-SSQ (for some regions and plans but not all)

-Equitable Life of Canada (covered for those who have virtual care included in their plans)