Top 10 Questions About Massage Coverage With Sun Life – Answered
Introduction: Sun Life Is One of Canada’s Largest Insurers — But Do You Really Understand What They Cover?
If you’re one of the millions of Canadians with a Sun Life Financial benefits plan through work or personal coverage, chances are you’re entitled to massage therapy coverage — but may not be using it correctly.
Sun Life has a strong paramedical coverage offering, but there are specific rules, limits, and procedures every plan member should know. Whether you’re trying to get reimbursed, looking to book your first appointment, or confused about receipts — this article breaks it all down clearly.
Let’s tackle the top 10 most asked questions about massage therapy coverage under Sun Life.
✅ 1. Is Massage Therapy Covered by Sun Life Insurance?
Yes — most extended healthcare plans from Sun Life include coverage for Registered Massage Therapy (RMT). Coverage amounts vary, but many plans include between $300–$1000 annually for RMT services.
✅ 2. Do I Need a Doctor’s Referral to Get Reimbursed?
It depends on your specific plan. Some Sun Life plans require a physician’s note before your first claim is approved. Others do not.
👉 You can check your plan requirements by logging in to your Sun Life member portal.
👉 Or, ask Ruby at RMTClinic.net for help.
✅ 3. How Much Does Sun Life Reimburse Per Massage Visit?
There are two limits to be aware of:
- Annual Maximum (e.g., $500/year total coverage)
- Per Visit Maximum (e.g., $50 per session)
If your RMT charges $100, but your plan only covers $50 per visit, you pay the difference — also known as a co-payment.
✅ 4. Can I Get Direct Billing Through Sun Life?
Yes — many clinics use Telus eClaims, which allows direct electronic billing to Sun Life. That means:
- No need to pay upfront (just your co-pay, if any)
- No submitting receipts manually
- No delays in getting reimbursed
👉 Search clinics that offer direct billing →
✅ 5. Can I Use Sun Life Coverage for Any Massage Therapist?
No — only Registered Massage Therapists (RMTs) with a license number recognized by Sun Life are eligible.
Avoid issues by booking through trusted networks like insurance.rmtclinic.online, which only lists verified providers.
✅ 6. What If My Claim Is Denied?
Common reasons for denial:
- Missing referral (if required)
- Non-registered provider
- Submission after claim deadline
- Incorrect billing codes
Fix it by:
- Requesting a revised receipt
- Rechecking eligibility
- Calling Sun Life or having your clinic assist you
💬 Or ask Ruby for help fixing denied claims at RMTClinic.net
✅ 7. Do I Need to Submit Receipts Myself?
Only if your clinic doesn’t offer direct billing. If you do need to submit:
- Get a detailed receipt from your RMT (must include license number)
- Log in to your Sun Life portal or app
- Upload and submit your claim online
✅ 8. How Long Does It Take to Get Reimbursed?
When using Telus eClaims (direct billing):
➡️ Often instant or within 24 hours.
If submitting manually:
➡️ Sun Life usually processes claims within 2–5 business days.
✅ 9. Does My Plan Reset at Year-End?
Most plans reset on December 31st, meaning your unused massage dollars don’t carry over into the new year.
👉 If you don’t use it, you lose it. Don’t wait until December when appointments are booked solid.
💡 Tip: Book your benefits early at RMTClinic.net
✅ 10. Can I Combine Sun Life with My Spouse’s Insurance?
Yes — this is called Coordination of Benefits (COB).
If your spouse has a plan too:
- Submit to your plan first
- Submit the remaining balance to your spouse’s plan
This can help you get 100% reimbursement.
🔚 Final Word: Use What You’re Already Paying For
Massage therapy isn’t just a luxury — it’s part of your Sun Life health and wellness plan. Whether you have neck pain, back stiffness, stress, or just need regular maintenance — if you don’t use your benefits, they expire.
And you deserve better than that.
💥 Take Action Now
✅ Search massage therapists covered by Sun Life → RMTClinic.net
✅ Ask Ruby to check your plan requirements → insurance.rmtclinic.online
✅ Book your massage and use your coverage
