Does Sun Life Insurance Cover Social Workers in Ontario?
Yes, Sun Life does cover therapy—including sessions with Registered Social Workers, Registered Psychotherapists and Registered Psychotherapists (Qualifying). Each plan is different so you will want to verify you have coverage for these specific practitioners under your personal plan.
If you’ve been searching for a way to get support from a therapist near you and are wondering what’s covered, you’re not alone—and we’re here to help.
At Transformation Counselling, we work with many Sun Life clients seeking individual therapy, couples counselling, marriage therapy, or support for depression, addiction, and trauma.
Does Sun Life Cover Social Workers?
Sun Life typically covers therapy sessions with Registered Social Workers (RSWs) who hold a Master of Social Work (MSW). Not all RSWs are covered—you usually need to see an “MSW, RSW” therapist to qualify for reimbursement.
MSWs are trained professionals regulated by the Ontario College of Social Workers and Social Service Workers (OCSWSSW). They can help with a range of concerns, from relationship counseling to substance abuse, depression, anxiety, and trauma therapy.
How Much Does Sun Life Cover Per Session?
Coverage varies by plan, but many Sun Life clients are reimbursed for 80–100% of their session cost.
This typically works out to $140–$200 per session, depending on the therapist and your plan limits.
We recommend checking your plan details through your Sun Life portal.
Does Sun Life Cover Psychotherapists?
Yes, Sun Life also covers therapy provided by:
These therapists offer counselling for issues like relationship conflict, depression, anxiety, ADHD, addiction, trauma and more. They are regulated by the College of Registered Psychotherapists of Ontario (CRPO).
Whether you’re looking for in-person therapy near you or online therapy, we have experienced therapists ready to support you.
We’ll Help You Understand Your Coverage
Insurance can feel overwhelming. If you’re unsure what your Sun Life plan includes, we’re happy to help. Just send us a photo of your insurance card and we’ll look into it for you—confidentially and with no pressure.
You’re Not Alone—Let’s Get Started
If you're thinking, "I need a therapist," or you're in search of the best counsellors near me, we’re here for you. Whether you're interested in individual therapy, couples therapy, or family therapy, you're not alone.
Ready to get started?
Click the button below to fill out our intake form, and we’ll match you with the right personal therapist, support your goals, and confirm your insurance coverage—all in one step.