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TMU student counselling coverage - explained

If you’re a TMU student considering counselling, your student plan may make it much more affordable than you expect.

Many TMU students have mental health coverage through their student plan that can cover counselling with eligible providers up to a yearly maximum.

Note: The insurer and benefit details below reflect what was available at the time of posting and may change. Always check your current student benefits for the most up-to-date coverage.

 

What 100% coverage up to $1,000/year can mean (in sessions)

Your plan may cover eligible mental health practitioners at 100% up to a combined maximum of $1,000 per benefit year (eligibility and plan rules apply).

Using $175 per session as an example:

  • $1,000 can cover roughly 5–6 sessions
  • That’s often enough to get meaningful momentum on stress, anxiety, relationships, or burnout

 

How payment typically works (with direct billing)

This plan is administered through GreenShield. If direct billing is available for your specific coverage:

  • At each session: we submit the claim directly to GreenShield (when eligible).
  • If you have 100% coverage: you typically pay $0 until you reach the plan maximum.
  • After the $1,000 cap: you would pay the full session fee out of pocket (for example, $175/session) unless you have other coverage.

Example using $175/session: direct billing could cover about 5 full sessions ($875) and most of a 6th session before the $1,000 maximum is reached.

If direct billing isn’t available, you can often pay and submit receipts to GreenShield for reimbursement.

Quick note: coverage and eligible provider categories can change—confirm your current student benefits for the latest details.

 

What to check in your plan

  • Eligible provider types (for example: RP, RSW/MSW, etc)
  • Annual maximum ($1,000) and any category rules
  • Direct billing availability
  • Any documentation requirements

 

If you’re not sure you “need” therapy

It’s common to wonder if your situation is “big enough” for therapy. You don’t need to be in crisis to benefit—many students use counselling to get unstuck, reduce overwhelm, and handle school and life with more clarity.

Some common reasons students reach out include:

  • stress and burnout
  • anxiety and overthinking
  • motivation and procrastination
  • confidence and relationships
  • major transitions and identity shifts

Getting support early can be preventative—not because anything is “wrong,” but because you deserve tools that make life easier.

 

Your easiest next step (3 options)

Option 1 (recommended): Book a free 20-minute matching consult (no credit card required).

Option 2: Send a request form and we’ll respond with suggested next steps.

Option 3: Book online now (credit card required to reserve).

 

Ready when you are

Note: This article is for general information and isn’t medical, financial, or insurance advice. Coverage can vary by plan details and individual circumstances.

If you feel unsafe or need urgent support: call 9-1-1. In Canada, you can call or text 9-8-8 for 24/7 support.