Mental health is a critical part of your overall wellness. Sun Life personal health insurance plans include coverage for psychology and counselling services, helping you fill potential gaps in mental health support offered by provincial health plans. Our plans help provide peace of mind knowing that you can access professional mental health services when needed.
It's always a good time to prioritize your mental health. However, certain situations make mental health coverage especially valuable:
Coverage for qualified psychologists and social workers to provide counselling and therapeutic services.
Choose mental health practitioners that fit your preferences and needs.
Avoid unexpected out-of-pocket expenses for mental health services not covered by provincial plans.
Sun Life offers three tiers of personal health insurance coverage, each including psychology and social work services as well as coverage for other health needs. Here is a sample of what’s included in each plan:
| Coverage Area | Basic | Standard | Enhanced |
|---|---|---|---|
| Psychology & Social work | $250/year | $1,000/year | $1,500/year |
| Paramedical services | 60%, up to $250/year | 100%, up to $300/year | 100%, up to $400/year |
| Prescription drugs | 60% up to $750/year | 70-100% up to $100,000/year | 80-100% up to $250,000/year |
| Vision care | Not covered | 100%, $250/2 years | 100%, $300/2 years |
| Emergency Travel Medical | Not covered | 100%, $1M lifetime | 100%, $1M lifetime |
| Hearing aids | 60%, $400/5 years | 100%, $500/5 years | 100%, $600/5 years |
Our most budget-conscious option.
Perfect for individuals seeking essential mental health coverage along with basic medical expenses.
Our most popular plan.
The preferred choice for individuals wanting comprehensive mental health support with higher coverage limits and additional paramedical services.
Our most comprehensive coverage.
Ideal for individuals prioritizing maximum mental health support with the highest annual maximums for psychology and social work services.
Selecting the right personal health insurance plan for your mental health involves evaluating your specific requirements, budget, and anticipated care patterns. Here's a practical approach:
Review your current mental health support situation. Consider:
Mental health coverage works best as part of comprehensive health insurance. Consider:
Consider any anticipated mental health needs over the coming years:
Quick, simple, on your schedule
Get a quote and apply for personal health insurance to help cover eligible day-to-day health expenses not included in your provincial plan.
Advice on demand, right when you need it
Talk to a licensed Prospr by Sun Life advisor who can answer questions, help choose the right coverage and guide you as you apply for the right plan.
Call us at 1-866-292-2517
Available Mon-Fri, 8 a.m. to 8 p.m. ET
Dedicated advice for the long run
Build a long-term connection with a Sun Life advisor who can help you choose the right coverage and adjust as your life evolves.
Yes, mental health services delivered through virtual or online platforms are covered the same way as in-person sessions.
Each plan has an annual maximum for psychology and social work services. Once you reach this limit in a calendar year, additional sessions would be out-of-pocket expenses.
Yes, all three plans include coverage for many prescription medications used to treat mental health conditions. While the plans cover a broad range of commonly prescribed drugs, some medications may not be covered. Coverage varies by plan.
You must be a Canadian resident with provincial or territorial health coverage. Coverage is available for applicants age 69 and under, with coverage remaining renewable after age 70.
This information is meant for educational and illustrative purposes only. Some conditions, exclusions and restrictions apply.
