Canadian Association of Occupational Therapists

Who covers the cost of occupational therapy services?

  • Your family doctor can refer you to an occupational therapist for occupational therapy services covered under your provincial medical plan. These occupational therapists usually work in hospitals or government-funded rehabilitation centres and home care programmes.
  •  If you have extended health care benefit insurance, your plan may cover occupational therapy services. The Canadian Association of Occupational Therapists and its provincial affiliates are lobbying insurance companies to include occupational therapy as an insured benefit on their plans.

View sample letters prepared by CAOT to send to your insurance provider in request of occupational therapy coverage on your extended health benefit plan.

  • If you have a work-related illness or injury, occupational therapy services may be provided upon referral, by Workers Compensation.
  • If you have an illness or injury from a motor vehicle accident, occupational therapy services may be covered under your auto insurance plan.
  • If you are receiving long term disability income from an insurance program, your program may cover occupational therapy services.
  • If you are a Canadian armed forces veteran, the Department of Veteran Affairs may cover occupational therapy services.
  • There are also private-practice occupational therapists who offer competitive rates.
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