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Student Insurance Coverage for Psychotherapy in Ontario
Navigate the pressures of school with professional support. Many Ontario students have 100% coverage for Registered Psychotherapists through their school insurance plans.
Professional Mental Support for University & College Student
At A.R.E. Psychotherapy, we welcome students who are seeking meaningful, in-depth therapy to navigate the unique challenges of academic life. While many college health plans traditionally focused on psychologists, most university and college insurance plans now offer full coverage for sessions with Registered Psychotherapists (RP).
This means you may already have access to the high-quality support you need through your existing student benefits. Although our in-person sessions are located in North York, Markham, and Mississauga, our secure virtual platform allows us to serve students attending school throughout all of Ontario and Canada.
You Don't Have to Carry the Weight Alone
University and college life is a major transition. It is common to feel "stuck" or overwhelmed. We help students navigate the daily friction points that impact their well-being and academic performance:
❋ Academic Pressure & Perfectionism
Managing the high expectations of family and self without burning out.❋ Executive Functioning & ADHD
Developing strategies for focus, time management, and emotional regulation.❋ Depression & Low Motivation
Addressing the heavy "fog" that can make attending classes or completing assignments feel impossible.❋ Identity & Life Transitions
Navigating "who you are" while living between different cultural or generational expectations.❋ Social Anxiety & Loneliness
Building meaningful connections in a new environment or managing the "Double-Language" barrier.❋ Future & Career Uncertainty
Feeling "lost" or paralyzed by the pressure to choose the right path. We help you navigate the anxiety of post-graduation life, the fear of making the "wrong" career choice, and the weight of finding a sense of purpose in a competitive world.
Coverage for University Students in Ontario (2025-2026)
Most university insurance plans provide some coverage for the services of psychotherapists.
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Algoma’s student insurance plan provides coverage for full-time undergraduate and graduate students.
Coverage for undergraduate and graduate students.
Covers up to $40 per session for $600 of total coverage for psychotherapists.
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Brock has separate insurance plans for undergraduate and graduate students.
Coverage for undergraduate and graduate students:
Undergraduate: Covers 100% per session, up to $50 per session, for a total of $800 per benefit year
Graduate: Covers 80% per session, up to $400 per session, for a total of $1,000 per benefit year
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Carleton has a separate insurance plans for undergraduate and graduate students.
Undergraduate: Covers $75 per session with a psychologist, psychotherapist or social worker (MSW) up to $300 per year.
Graduate: Covers $50 per session with a psychologist, psychotherapist or social worker (MSW) up to $300 per year.
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Lakehead provides similar insurance coverage for both undergraduate and graduate students.
Coverage for undergraduate and graduate students
Covers $125 per session for a total of $500 of therapy delivered by psychotherapists.
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Laurentian has separate insurance plans for undergraduate and graduate students.
Coverage for undergraduate students
Provides full coverage up to $800 over a year for sessions with a psychologist, social worker, master of social work, professional counsellor, counselling therapist, or psychotherapist.
Coverage for graduate students
Covers $20 per session for up to $300 per year for services from a social worker/counsellor, master of social work or psychotherapist.
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McMaster has insurance plans for part-time, undergraduate, and graduate students.
Coverage for part-time and undergraduate students
Provides 80% coverage per session for up to $300 over a year for services from clinical psychologists or psychotherapists.
Coverage for graduate students
Covers $100 per session for up to $400 per year for services from a psychologist, social worker, clinical counsellor, master of social work or psychotherapist. A referral from your doctor is required for coverage.
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Nippising has a single insurance plan for undergraduate and graduate students.
Covers 100% per session for a total of $500 per benefit year from services delivered by a clinical psychologist, psychotherapist, or social worker (RSW or MSW).
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OCAD provides mental health coverage for both undergraduate and graduate students.
Coverage for undergraduate and graduate students
Provides up to $1000 coverage for services delivered by psychologists, social workers (RSW or MSW), and psychotherapists.
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Ontario Tech University provides mental health coverage for full-time domestic students.
Coverage for students:
Covers 80% per session for $300 of total coverage for psychotherapists.
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Queen's University provides mental health coverage for undergraduate students.
Coverage for students:
Covers 80% per session for $1000 of total coverage for psychotherapists.
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Toronto Metropolitan University (TMU) provides mental health coverage for part-time, undergraduate, and graduate students.
Coverage for part-time students
Provides $100 coverage per session for up to a total of $750 of coverage for services delivered by psychologists, social workers (RSW or MSW), counsellors, or psychotherapists.
Coverage for undergraduate students
Provides coverage up to $1000 per year for services delivered by psychologists, social workers (RSW or MSW), counsellors, or psychotherapists.
Coverage for graduate students
Provides coverage up to $750 per year for services delivered by psychologists, social workers (RSW or MSW), counsellors, or psychotherapists.
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Trent provides mental health coverage for both undergraduate and graduate students.
Coverage for undergraduate and graduate students
$1000 of total coverage for psychologists, psychotherapists, clinical counsellors, and social workers (RSW or MSW).
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Université de Hearst provides mental health coverage for undergraduate students.
Coverage for undergraduate students
Covers 80 percent per session for a total of $300 for services delivered by psychologists, counsellors, psychotherapists, and social workers (RSW or MSW).
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Université de I'Ontario français provides mental health coverage for undergraduate & graduate students.
Coverage for undergraduate students
Covers 80 percent per session for a total of $800 - 1500 for services delivered by psychologists, counsellors, psychotherapists, and social workers (RSW or MSW).
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The University of Ottawa provides mental health coverage for both undergraduate and graduate students.
Coverage for undergraduate and graduate students
Covers 80 percent per session for a total of $1500 for services delivered by counsellors, psychologists, psychotherapists, and social workers (RSW or MSW).
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University of Windsor provides mental health coverage for both undergraduate and graduate students.
Coverage for undergraduate students
Covers 80% of the cost of therapy sessions for a total of $800 for services delivered by clinical counsellors, psychologists, psychotherapists, psychoeducators, and social workers (MSW).
Coverage for graduate students
Covers $400 for services delivered by psychologists, psychotherapists, and social workers (RSW or MSW).
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University of Toronto provides mental health coverage for part-time, undergraduate, and graduate students.
Coverage for part-time students
Covers $125 per visit for up to 15 visits for services delivered by psychologists, psychotherapists, counsellors, and social workers (RSW or MSW).
Coverage for undergraduate students on St. George Campus
Covers $100 per visit for up to 15 visits for services delivered by psychologists, psychotherapists, counsellors, and social workers (RSW or MSW).
Coverage for undergraduate students on Mississauga Campus
Covers $125 per visit for up to 25 visits for services delivered by psychologists, psychotherapists, counsellors, and social workers (RSW or MSW).
Coverage for undergraduate students on Scarborough Campus
Covers $125 per visit for up to 20 visits for services delivered by psychologists, psychotherapists, counsellors, and social workers (RSW or MSW).
Coverage for graduate students
Covers 100 percent per session for a total of $750 for services delivered by counsellors, psychologists, psychotherapists, and social workers (RSW or MSW).
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University of Waterloo provides mental health coverage for both undergraduate and graduate students.
Coverage for undergraduate and graduate students.
Covers 80% per session for a total of $800 for services delivered by psychotherapists and counsellors.
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Western University provides mental health coverage for both undergraduate and graduate students.
Coverage for undergraduate students
Covers a total of $1200 for services delivered by psychotherapists and counsellors.
Coverage for graduate students
Covers 80 percent per session for up to $500 for services delivered by psychologists or psychotherapists.
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Wilfrid Laurier University provides mental health coverage for both undergraduate and graduate students.
Coverage for undergraduate students
Covers $100 per visit for a total of $1000 for services delivered by psychologists, psychotherapists, and social workers (MSW).
Coverage for graduate students
Covers $60 per visit for up to $400 for services delivered by psychologists, clinical counsellors, social workers (MSW), or psychotherapists.
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York University provides mental health coverage for both undergraduate and graduate students.
Coverage for undergraduate and graduate students
Covers $125 per visit for up to 10 visits for undergraduate or 15 visits for graduate students for services delivered by psychologists, psychotherapists, counsellors, and social workers (RSW or MSW).
Coverage for College Students in Ontario (2025-2026)
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Algonquin College only provides coverage for clinical psychologists, covering 80 percent of the session for up to a total of $250 per year.
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Boréal College provides $1000 in total insurance coverage for services delivered by a psychologist, social worker (RSW or MSW), or psychoanalyst.
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Cambrian College only covers psychologist services for a maximum of $700 per year.
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Canadore College offers students three health plans that cover clinical psychologists. These plans cover $20 to 100 percent of each session for a total of $200 to $400.
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Centennial College provides 80% coverage for a total of $500 coverage for services administered by clinical psychologists.
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Conestoga College covers 70 percent of therapy sessions with psychologists and social workers (RSW or MSW) for a total of $300 coverage per year.
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Confederation College offers students three different insurance plans. These plans only cover services delivered by a clinical psychologist, covering up to $150 to $300 in total, depending on the policy.
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Fanshawe College offers students three different insurance plans. These plans only cover services delivered by a clinical psychologist, covering $20 to $30 per session for a total of $300 to $400 total.
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Fleming College offers students three different insurance plans. One of these plans covers $50.00 per session for a total of $400.00 for the year. This includes the services of a psychologist, psychotherapist, or social worker (RSW or MSW) but must be recommended by a physician.
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George Brown College offers students four different insurance plans. These plans cover 70 to 90 percent of the cost of each therapy session for a total of $1000 of coverage per year for services delivered by a psychologist, psychotherapist, or social worker (RSW or MSW).
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Georgian College provides coverage of up to $750 total for services delivered by a psychologist, psychotherapist, or social worker (RSW or MSW).
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Humber College offers three different insurance plans for students. They cover 80 percent of the cost of each session for a total of $300 for therapy delivered by a psychologist.
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Michener Institute provides 100 percent coverage for up to $500 for therapy services delivered by psychologists, psychotherapists, or social workers (RSW or MSW).
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Mohawk College covers $25 per visit for up to a total of $400 for therapy sessions delivered by a psychologist or social worker (RSW or MSW). However, students must first receive a referral from their doctor.
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Niagara College provides four different insurance options to students which cover therapy sessions with social workers (RSW or MSW) for up to $400 per year.
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Ridgetown Campus College provides 100 percent coverage up to $400 total for therapy services delivered by a psychologist or social worker (RSW or MSW).
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Seneca College provides students with four different insurance plans. These plans cover between $20 to 90 percent of a therapy session up to a maximum of $300 to $400 per year. It only covers the services of a psychologist, and only if you are referred by a doctor.
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St. Lawrence College offers four different insurance plans for students. Only one of these plans provides coverage for mental health services. Currently, it only covers sessions with a psychologist, who you are referred to by a doctor. The plan covers 80 percent of the cost of individual sessions for up to $300 per year.
While many college student plans cover psychologists, very few also cover a psychotherapist’s services.
What Are The Next Steps?
While we have been covered by the majority of student health plan providers, we recommend taking a quick look at your student health plan website. Once you have confirmed your coverage, you can book a complimentary 15-minute consultation with one of our therapists. This is a no-pressure way to find the right clinical fit and discuss how we can support your goals.