Making the process easy—from start to finish.

Minimizing Financial Concerns While Addressing Pediatric Concerns

As the parent of a child with pediatric concerns, you already have a lot to contend with. At Canoe Therapy we want to help you focus on your child, without having to keep track of billing due dates or overcome budgetary constraints. For this reason, parents contemplating therapy for their child are strongly encouraged to familiarize themselves with the Canoe Therapy billing practices beforehand, and to explore the various financial assistance resources compiled by Canoe Therapy that may be available to them.

  • Billing & Payments
  • Financial Assistance

The Canoe Billing Process

At Canoe Therapy, we have a billing process that is the same for all families. All payment is due on a per session basis. Payment for report writing is due upon receipt of the report. For group sessions, 50% of the payment is due upon reserving a spot, with the remaining 50% due at the first session.

All accounts must be cleared prior to continuing with a therapy program.

Payment may be in person using cash, cheque, debit, or credit card or by pre-authorized arrangement with debit or credit card on file (American Express is not accepted). Families may make a deposit in advance if desired, from which payment will be deducted on a per session basis. A charge of $35 will be applied to cover all NSF cheques.

Our system records all sessions that have occurred, all charges made to families, and all payments received. A receipt is created for every payment received and includes the therapist’s name, professional designation and registration number. Generally speaking, this payment receipt is the documentation required by insurance companies to process claims. Receipts will be provided by email unless a paper receipt is requested or email is unavailable.

Most of the services provided by Canoe are not covered under the Ontario Health Insurance Plan (OHIP). However, part or all of our services may be covered under your extended health care benefit plan or your private insurance plan. If you would like assistance in understanding the coverage available to you in your plan, please speak to your therapist. In addition, Canoe works with a number of not-for-profit organizations that provide funding in specific instances. Please ask your therapist for more information.

Please check with your insurers prior to your session to see if there are any specific requirements for your paperwork, as receipts will not be amended once created.

Travel Off-Site

In addition to our services, we also provide off-site services. Our off-site services mainly focus on helping your child build new skills and physical growth through physiotherapy. We visit pre schools, daycares and schools in Grimsby, Beamsville, Vineland, Jordan, Smithville and St Catharines. Off-site services are provided by our physiotherapist, Kaitlyn Ross.

Resources for Funding

At Canoe Therapy, we strive to provide the best service from start to finish. Below are a few organizations that provide financial assistance for our services that may be available for your family. For more information, please contact our Clinic Director and Family Coordinators.

Ontario Government

Special Services at Home

Funded the Ontario Ministry of Children and Youth Services, this program helps families caring for a child with a developmental or physical disability. Your family may qualify for financial assistance to help pay for special services in or outside the family home as long as the child is not receiving support from a residential program.

Assistance for Children with Severe Disabilities

The Assistance for Children with Severe Disabilities is funded by the Ontario Ministry of Children and Youth Services. This program provides financial help for parents caring for a child with a severe disability.

Ontario Disability Support

This program is funded by the Ontario Ministry of Community and Social Services. It provides financial aid to people with disabilities and helps pay for living expenses such as food and housing.

Ontario Autism Programs

The Ministry of Children and Youth Services provides a variety of services for children and youth with Autism Spectrum Disorder. They provide a wide range of support to help children learn and grow throughout their school years. Services include: Autism Intervention Program, Applied Behaviour Analysis (ABA) Service and Supports, Connections for Students, School Support Program and more.


Canada Revenue Agency

People with disabilities may be eligible for financial assistance from Canada Revenue Agency, including the Disability Tax Credit and the Registered Disability Savings Plan (RDSP).


Charitable Grants

Easter Seals

Easter Seals provides programs and services to children and youth with physical disabilities across Ontario, with an aim toward helping them achieve greater independence, accessibility and integration. This charity also provides financial assistance for a range of assistive devices and therapeutic/medical equipment.

President’s Choice Children’s Charity

This charity provides financial grants for specialized therapies and equipment for children with a range of disabilities.

Jennifer Ashleigh Children’s Charity

The mission of this charity is to help as many children and families as possible with a range of diagnoses.


Financial Planning

Henson Trusts

A Henson Trust is a trust created to benefit a person with a disability. It ensures that a person with a disability cannot be cut off from benefits if they’re receiving money from a trust created to help them. The trust requires that the designated trustee have complete control over financial disbursements from the trust.

To learn more, Autism Ontario has compiled a helpful guide about creating a Henson Trust (though Henson Trusts aren’t limited to those with Autism).

Special Needs Planning Group

This organization provides financial planning information and solutions for individuals and families of people with disabilities. They’re a great resource on Henson Trusts and the Registered Disability Savings Plan (RDSP).