Virtual Counselling

Virtual counselling refers to mental health or psychological therapy sessions conducted remotely through secure online platforms, such as video calls, phone consultations, or messaging-based services. It allows individuals to access professional support from psychologists, social workers, psychotherapists, or counsellors without needing to attend appointments in person.

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Health insurance plans increasingly recognize virtual counselling as an eligible expense under the paramedical or mental health category. Reimbursement typically follows the same rules as in-person therapy, covering a set percentage of costs up to a per-visit or annual maximum. Some plans require that the professional be licensed in the province where the client resides, even for virtual sessions.

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Virtual counselling provides a convenient way to access therapy for anxiety, depression, stress management, grief, or workplace challenges, especially for people in remote areas or with mobility or scheduling barriers.

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Example:

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If your plan covers psychological services at 80 percent up to $1,000 per year, and you pay $150 for a virtual counselling session, your plan reimburses $120 and you pay $30.

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What to Watch For:

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Ensure that your provider’s credentials meet your insurer’s requirements, since some plans only reimburse sessions from licensed psychologists or registered clinical social workers. Confirm that the session is conducted through a secure and compliant platform, as unverified online counselling services may not qualify for reimbursement.