Does Insurance Cover Postpartum Therapy in Ontario?

You’ve Probably Heard “It Takes a Village”...

But what if part of that village includes a therapist?

Let’s be honest—postpartum is a wild ride. Some moments are filled with magic and tiny yawns, and others feel heavy, blurry, or like you're just trying to keep your head above water. And you know what? That’s okay.

Postpartum therapy can be a powerful part of your support system—whether you’re navigating big emotions, anxiety, or simply adjusting to your new normal. But one of the most common questions we get is:
“Will my insurance cover it?”

The good news? For many Ontario families, the answer is yes. Here’s what you need to know to access support that feels good and fits your budget.

Why Therapy After Birth Matters

Let’s get this out of the way: you don’t need to be in crisis to seek therapy.

Postpartum therapy can help you:

• Process your birth experience

• Reconnect with your identity outside of “just mom”

• Navigate relationship changes or big emotions

• Cope with anxiety, depression, or burnout

• Learn to set boundaries and ask for help

Therapy is one of those forms of care that fills your cup—so you can keep showing up with love (and less resentment) for your baby, your partner, and yourself.

What’s Usually Covered by Insurance in Ontario

Most extended health benefit plans (from work or school) include coverage for:

• Registered Social Workers (RSWs)

• Registered Psychotherapists (RPs)

• Psychologists or Clinical Counsellors

Coverage amounts can vary—anywhere from $500 to $1500 per year—and are often renewed annually.

💡 Simple Smyles Tip: Therapy with an RSW is often the most affordable and widely covered option in Ontario.

How to Check What You’re Covered For

If you’re not sure where to start, we’ve got you:

1. Log in to your insurance provider’s website or app

2. Look for “Mental Health,” “Counselling,” or “Paramedical Services”

3. Check for:

   • Who’s eligible (e.g. RSW, RP, psychologist)

   • Annual max amounts

   • Per-session or per-visit limits

   • If a doctor’s note is needed

Still confused? Give them a quick call—they’re there to help.

Submitting Claims: The Basics

After your session, your therapist will send you a receipt with all the info your provider needs (credentials, service date, fees, etc.). You’ll upload it to your provider’s portal, and usually get reimbursed within a few business days.

At Simple Smyles, we always make sure you leave with everything you need to submit.

No Insurance? You’ve Still Got Options.

We believe therapy should be accessible to all birthers and families. If you’re not covered, here are some ways to still get support:

• Sliding scale options (many therapists offer them!)

• Short-term support packages

• Group counselling (virtual and in-person)

• Free and low-cost mental health programs in your community

Free & Affordable Resources in Ontario

• 🌿 Wellness Together Canada: Free virtual support

• 🌼 Perinatal Wellbeing Ontario: Focused on pregnancy & postpartum mental health

• 🌺 Pacific Post Partum Support Society: Nationwide phone support

• 🌟 ConnexOntario: 1-866-531-2600 – Mental health navigation

• Your local public health unit may also offer parenting mental health programs

Final Thoughts from the Heart 💛

Postpartum therapy isn’t selfish—it’s soul care.

Your mental health deserves as much attention as your birth plan or baby’s feeding schedule. Whether you’re quietly struggling, feeling disconnected, or just want a space that’s yours, therapy can help you feel grounded, seen, and a little more like you again.

If you’ve been wondering if support is within reach—it is. And we’re cheering you on as you reach for it.