How to Use Sun Life to Cover Your Massage Therapy in Ontario
A Simple Guide for Employees and Families with Sun Life Extended Health Benefits
Introduction:
If you’re like most Canadians with a Sun Life plan, you might not be using your full coverage. In fact, many people leave over $600 in unused massage, chiro, or physio benefits each year. This guide will show you how to unlock those benefits—fast.
- What’s Covered Under Sun Life?
Most employer plans include paramedical services such as:
🟢 Registered Massage Therapy (RMT)
🟢 Chiropractic Care
🟢 Physiotherapy
You don’t always need a doctor’s referral — but check your specific plan details. - What’s the Typical Annual Limit?
• $500 to $1000 per service
• Per family member (not shared pool)
Tip: Set reminders for September and November to use it before it resets! - How to File a Claim or Use Direct Billing
✅ Most clinics on RMTClinic.net offer Telus eClaims direct billing
✅ If paying upfront, request an RMT receipt with all required info:
o License #
o Session duration
o Service description - Watch Out For These 3 Mistakes:
❌ Booking with a non-RMT
❌ Forgetting to check your remaining balance
❌ Missing claim deadline (often 90 days after treatment) - Find a Covered Clinic Near You
👉 Search Massage Clinics That Accept Sun Life
Conclusion:
Massage therapy isn’t a luxury—it’s a benefit you’ve earned. Don’t let it expire. Use the coverage that supports your health.
💬 Still unsure? Ask Ruby, our smart assistant, what’s covered in your plan.
Author: Henry Tse
Founder & CEO, RMT Clinic Network Organization | Canada-wide “Near Me” Directory + Training Academy | Helping RMTs Build Profitable Clinics About: I’m Henry Tse—Founder & CEO of the RMT Clinic Network Organization, built to connect patients with trusted para-medical providers and to help practitioners grow clinics with real-world systems. After launching, operating, and selling multiple wellness businesses, I saw the same problem everywhere: patients struggle to find the right care, and practitioners struggle to build predictable, compliant, sustainable businesses. I created the RMTClinic ecosystem to solve both—through a Canada-wide “near me” directory, brand marketing solutions, and step-by-step training that turns skill into a scalable clinic. Core values: Innovation • Empowerment • Community Background highlights: VP & GM, Canadian Small Business Institute — 15 years (Senior Consultant & Trainer) 1997–Present: Direct Marketing & Advertising (strategy, positioning, lead generation) 2005–Present: Owner/Operator (9 clinics total; currently 3 active RMT clinics) If you’re an RMT or clinic owner who wants more bookings, stronger brand visibility, and a repeatable growth system—let’s connect.
