Understanding psychotherapy insurance coverage with Canada Life
Most extended health care benefit plans with Canada Life cover some form of psychotherapy. The type of psychotherapy covered and the maximum number of sessions per year may vary depending on the individual plan. However, coverage for psychotherapy is becoming increasingly common as the mental health benefits of treatment are better understood. Psychotherapy can be an effective treatment for a variety of mental health conditions, including anxiety, depression, and post-traumatic stress disorder. It can also help to improve coping skills and promote emotional well-being. If you are considering seeking psychotherapy, check with your extended health care provider to see if your plan provides coverage.
What’s included and how it works
Canada Life’s psychotherapy coverage is included within their health benefits plan under the “Health Professionals” claim category. Psychotherapy services are eligible for reimbursement if they are provided by licensed and regulated health professionals listed in Canada Life’s benefits portal. This includes:
Common Types of Psychotherapists Covered:
Types of Covered Psychotherapy Services:
Coverage and Reimbursement Details
Most benefits plans have an overall maximum, which sets a lifetime dollar limit that each insured person can claim. Psychotherapy coverage is generally reinstated annually, so any unused portion will not carry over into the next calendar year.
Psychotherapy services are typically reimbursed at 100% but are subject to Canada Life’s customary charges (updated for 2026), which are as follows by province:
Canada Life Customary Charges for Therapy by Province & Mental Health Professional:
These customary charges may differ depending on your coverage and are subject to change.
Insured with Canada Life?
Contact a Canada Life customer service representative to ask about the details of your therapy coverage.
We Got You Covered
Therapists listed and verified with Canada Life
Submitting your psychotherapy claim to Canada Life
With Canada Life’s GroupNet portal, you’ll be able to submit claims electronically, monitor your psychotherapy coverage balances, and set up direct deposit for claim payments. To submit psychotherapy fees to Canada Life’s GroupNet portal, you’ll need to visit the login page for GroupNet plan members or download the GroupNet app.
What is Canada Life GroupNet?
GroupNet is a free, easy-to use platform that provides you access to your group benefits plan and the ability to submit psychotherapy claims with no hassle. You can view a summary of coverages, check remaining balances and view claim submissions.
How long after I submit my psychotherapy claim will Canada Life reimburse me?
Canada Life strives to provide timely reimbursement for psychotherapy expenses. The length of time it takes to process a claim varies depending on a number of factors, such as the type of expense and the date it was incurred. In most cases, Canada Life will issue a decision within 2-5 days of receiving a complete and accurate claim form. You can submit your Canada Life psychotherapy claim online and receive a reimbursement through direct deposit directly into your bank account.
If you have any questions about the status of your claim, you can contact Canada Life Customer Service for assistance. By working with your insurance provider, you can ensure you receive the reimbursement you are entitled to in a timely and efficient manner so that you can continue to focus on your treatment plan.