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University of Toronto (U of T) student counselling coverage - explained

If you’re a University of Toronto student considering counselling, your student plan may cover more than you expect.

Many UofT students have mental health coverage through their student plan that can reduce therapy costs with eligible providers.

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/visit (up to 15 visits) can mean (in sessions)

Your plan may include counselling coverage of up to $100 per visit for up to 15 visits per policy year (up to $1,500 total), depending on eligibility and plan rules.

Using $175 per session as an example:

  • Plan pays up to $100 per session
  • You pay the remainder: about $75 per session
  • That could support up to 15 sessions with significantly reduced costs per visit - thats typically 7 months of support at reduced cost.

 

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 to GreenShield for the covered amount (when eligible).
  • You typically pay the remainder: for example, about $75 on a $175 session.
  • Once you’ve used your covered visits/maximum: if you choose to continue you would pay the full session fee out of pocket unless you have other coverage.

If direct billing isn’t available, you can usually 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)
  • Per-visit amount ($100) and visit maximum (15)
  • 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
  • confidence and relationships
  • motivation and procrastination
  • 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.