Research different options to find the right pediatrician
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Check credentials and licensing
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What to consider when choosing the right tech stack?
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Look for experience in treating your child's age
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Consider location and availability
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The Short Answer: Yes, Most Plans Cover It
If you have extended health insurance through your employer or a private plan in Quebec, physiotherapy is almost certainly covered. Most group insurance plans include physiotherapy as part of paramedical services, typically covering between $500 and $2,000 per year depending on your plan.
Do You Need a Doctor's Referral?
No. In Quebec, physiotherapy is an access-direct profession. This means you can book an appointment with a licensed physiotherapist without a doctor's prescription or referral. Your physiotherapist can assess, diagnose, and treat musculoskeletal conditions independently.
Some insurance plans historically required a referral for reimbursement, but this has become increasingly rare. Check with your insurer if you're unsure, but in most cases you can simply book and start treatment.
How Direct Billing Works
At Physio Vibe, we offer direct billing to most major insurance providers. This means you don't pay out of pocket and wait for reimbursement — we submit the claim directly to your insurer on your behalf. You only pay the difference if your plan doesn't cover the full session fee.
Insurance providers we commonly bill include Desjardins, Sun Life, Manulife, Great-West Life, Blue Cross, Industrial Alliance, and many others.
What About CSST and SAAQ?
If your condition is related to a workplace injury (CNESST/CSST) or a car accident (SAAQ), physiotherapy is covered by these government programs. You'll need authorization from the relevant body, and your physiotherapist can help guide you through the process.
What If You Don't Have Insurance?
Physio Vibe offers transparent pricing and treatment packages that make physiotherapy accessible even without insurance. You can view our current rates on our pricing page. We also offer package discounts for multiple sessions.
How to Check Your Coverage
The easiest way is to call the number on the back of your insurance card and ask about paramedical coverage for physiotherapy. Key questions to ask: What is your annual maximum for physiotherapy? Do you need a doctor's referral? Is home physiotherapy covered the same as clinic visits?
Ready to get started? Book your appointment and we'll handle the insurance billing for you.
