Therapy Covered by Sun Life: Direct Billing in Toronto & Ontario
Feel Your Way Therapy is a team of Registered Psychotherapists (RPs) seeing clients in person in Toronto and virtually across Ontario.
If you have Sun Life benefits, here's what typically applies, how our direct billing works, and exactly where to check your own plan before you book.
Does Sun Life cover Registered Psychotherapists?
Most Sun Life plans that include Extended Health Care benefits cover Registered Psychotherapists, alongside psychologists and social workers. That said, coverage details differ from plan to plan, so it's worth confirming exactly what's included in yours before you book.
The only way to know for sure is to check your own plan. A few minutes now saves any surprises later — here's exactly where to look.
Some plans list a Registered Psychotherapist by name; others fold psychotherapy into a broader line like Counselling Services or Mental Health Practitioner. If the wording is unclear, a quick call clears it up.
How to confirm your own plan
- Sign in to mySunLife.ca or the Sun Life mobile app, and open your benefits summary.
- Look under “Mental Health Services” or “Extended Health Care” for a line for “Psychotherapist” — some plans fold it into “Counselling Services” or “Mental Health Practitioner.”
- Check your plan booklet, usually posted on your employer's HR portal, for the exact wording.
- Still unclear? Call the number on the back of your Sun Life card and ask directly whether your plan covers a Registered Psychotherapist.
How direct billing with us works
Direct billing — where we bill Sun Life on your behalf, so you're not paying the full fee upfront — is available for sessions with every Registered Psychotherapist (RP) and RP(Q) on our team.
For sessions that are direct-billed, here's what happens
You add your Sun Life details at intake
When you register with us, you'll be invited to add your Sun Life member ID and policy number as part of your intake and consent form.
We submit the claim after each session
We submit directly through Sun Life's provider system, which typically responds within a short time so you'll know what's covered.
Sun Life pays their portion to us
You're billed only for whatever balance is left, if any.
If a claim is declined, we tell you right away
Or if you've reached your annual maximum — so you can decide how you'd like to proceed.
What if my plan only covers psychologists?
Some Sun Life plans — often older ones, or specific union and association plans — still list “Psychologist” as the only eligible mental health provider, with no separate line for psychotherapists. If that's what your plan shows:
Look closely at the wording first
Plans sometimes use broader terms like “Counselling Services” or “Mental Health Practitioner” that include RPs even without naming psychotherapists specifically.
Ask your HR department, or Sun Life directly
Ask whether an exception is possible. Because RP fees are often lower than a psychologist's, some plans will accommodate this on request.
Check for an EFAP
See whether your employer offers an Employee and Family Assistance Program. It's usually a separate benefit from your extended health plan and often includes a set number of free sessions regardless of practitioner type.
Private-pay is always an option
If none of that applies, we're still glad to see you as a private-pay client. We'll give you a receipt in case your plan changes later, or in case you want to submit it to Sun Life yourself and see what happens.
Typical annual maximums
Every Sun Life plan sets its own maximum, and the range is wide — anywhere from a few hundred dollars a year up to several thousand, depending entirely on what the employer chose when setting up the plan.
Some plans give psychotherapy its own dedicated maximum. Others pool it together with psychologists, social workers, and other counsellors under one shared “mental health” or “paramedical” limit — which means the number in your booklet may not be exclusively yours to spend on psychotherapy.
Check the schedule of benefits in your own plan documents for the figure that actually applies to you.
Sun Life coverage, answered
Let's walk through your Sun Life coverage together.
Book a free consultation and we'll match you with the right therapist on our team.
In-person in Toronto, online across Ontario
Toronto, ON M5S 2G8