Does Insurance Cover RMT Massage Therapy in Ontario?

RMT vs. Non-RMT: Why the Distinction Matters

In Ontario, the title "Registered Massage Therapist" (RMT) is a protected designation regulated by the College of Massage Therapists of Ontario. To use the title, a therapist must complete a minimum of 2,200 hours of education, pass licensing exams, and maintain active registration with the College.

This matters for insurance because extended health benefit plans in Canada explicitly require that massage therapy be performed by a registered professional to qualify for reimbursement. A session with a non-registered massage provider — however skilled they may be — will not be covered, regardless of what the receipt says.

When you book with Ricky Arora at Kimura Massage Therapy & Rehab, you are booking with a Registered Massage Therapist (RMT). An official insurance receipt is provided after every session.

Which Insurance Plans Cover RMT Massage in Ontario?

The vast majority of employer-sponsored extended health benefit plans in Canada include coverage for RMT massage therapy. Common providers that cover RMT massage include:

• Green Shield Canada
• Manulife Financial
• Sun Life Financial
• Canada Life (Great-West Life)
• Desjardins Insurance
• Blue Cross (various provincial plans)
• Chambers of Commerce Group Insurance
• Industrial Alliance (iA Financial)

Individual health plans (purchased privately, not through an employer) vary significantly. Some include massage therapy; others do not. Check your policy documents or call your provider directly to confirm.

How Much Does Insurance Cover?

Coverage amounts vary widely depending on your specific plan. Common annual limits for massage therapy in Ontario range from $300 to $750 per year, though some plans offer higher limits — especially plans negotiated through larger employers or unions.

Some plans require a referral from a physician or nurse practitioner before a massage therapy claim is approved. Others do not. Check your plan documents or member portal to understand your specific requirements.

At Kimura Massage Therapy & Rehab, a 60-minute session is $100. If your annual limit is $500, that covers five 60-minute sessions — or a mix of session lengths up to that amount.

How to Submit a Massage Therapy Insurance Claim

The process is straightforward:

• Book and attend your session with Ricky Arora RMT
• Receive your official RMT insurance receipt (provided immediately after each session)
• Log into your benefits provider's online portal or app
• Submit a claim under "Massage Therapy" or "Paramedical Services"
• Upload a photo or scan of your receipt
• Reimbursement is typically processed within 3–10 business days

Your receipt will include the RMT's name, registration number, the date of service, the type of service, and the amount paid — everything your insurer needs to process the claim.

Tips for Maximizing Your Coverage

• Check your benefits portal at the start of each plan year to confirm your massage therapy limit has reset
• Book a 60- or 90-minute session to make the most of each covered visit
• If you have a Health Spending Account (HSA) or Personal Spending Account (PSA), RMT receipts typically qualify there as well
• Some plans have a per-visit maximum (e.g., $60 per visit). If yours does, shorter sessions may stretch your coverage further
• Couples or families: each covered family member has their own massage therapy limit

At Kimura Massage Therapy & Rehab

Ricky Arora is a Registered Massage Therapist (RMT) based at 14 Block Road in Brampton, Ontario. Every session includes an official RMT insurance receipt with all the information your benefits provider requires — no separate form or follow-up needed.

Sessions are available in 30-minute ($60), 60-minute ($100), and 90-minute ($160) formats. Swedish relaxation massage, deep tissue massage, and sports massage are all available and all fully covered under RMT benefits.