Insurance & Extended Health Eligible Medical Supplies in Canada

Shop 1,800+ therapy, mobility, and rehabilitation products that may qualify for reimbursement under a Canadian extended health plan, Health Spending Account (HSA), or the CRA medical expense tax credit. Explore our physiotherapy supplies , rollators and mobility walkers , orthopedic braces and supports , and other eligible therapy products.

Below, we explain how eligibility generally works, what documentation you may need, and answer common coverage questions so you can make a more informed purchase.

How Extended Health and Insurance Coverage Works in Canada

Most Canadian group and individual health plans reimburse qualifying medical equipment under specific benefit categories. These may include durable medical equipment, orthopedic appliances, rehabilitation equipment, or mobility aids. Coverage is usually subject to a percentage limit and an annual maximum for each category.

Whether a product is reimbursable depends on your plan’s benefit categories, whether the item requires a prescription or medical referral, and your remaining annual benefit maximum.

Coverage varies by insurer and plan

Major Canadian providers—including Manulife, Sun Life, Canada Life, Green Shield Canada, and others—set their own coverage percentages, annual maximums, eligible product categories, and documentation requirements.

The same product may be partially covered under one plan and excluded under another. Always confirm your specific plan’s coverage before purchasing, especially when ordering higher-cost equipment.

What your receipt and prescription may need to show

• Receipt: The receipt may need to include the purchaser’s name, purchase date, itemized product name, price, and the seller’s GST/HST business number. Your TherapySupply.ca order confirmation and invoice include this purchase information.
• Prescription or letter of medical necessity: When required, this documentation may need to identify the medical condition, explain why the equipment is needed, state the expected duration of use, and include the signature and licence information of the prescribing physician or regulated healthcare practitioner.

Documentation requirements depend on the insurer, benefit plan, product, and healthcare provider. Contact your insurer before purchasing if you are unsure which documents are required.

How to Claim Your Purchase

1. Check your plan’s coverage before purchasing. Log in to your insurer’s member portal or call the number shown on your benefits card. Ask whether the specific product is covered, which benefit category it falls under, and whether pre-authorization is required.
2. Request pre-approval for higher-cost equipment. Your insurer may recommend or require a written estimate before you purchase more expensive rehabilitation, electrotherapy, orthopedic, or mobility equipment.
3. Obtain a prescription or letter of medical necessity if required. Some mobility aids, braces and orthopedic supports , and electrotherapy equipment may require a prescription or referral. Check your policy because requirements differ by product and insurer.
4. Keep your itemized receipt. Your TherapySupply.ca invoice includes the product name, price, purchase date, and applicable seller information.
5. Submit your claim. Submit the receipt, prescription, referral, and any other required documents through your insurer’s mobile app, online portal, or paper claim form.
6. Keep a copy for tax purposes. Any qualifying amount that was not reimbursed by insurance may be eligible for the medical expense tax credit under CRA Lines 33099 or 33199.

Explore Eligible Therapy and Medical Equipment

Use the following TherapySupply.ca collections to find products that may be relevant to your insurance or extended health benefits:

• Rollators and Mobility Walkers — lightweight, folding, upright, and transport-chair combination models.
• Braces and Orthopedic Supports — supports for the back, knee, wrist, ankle, and other joints.
• Electrotherapy Equipment — TENS, EMS, ultrasound, stimulation, and rehabilitation equipment.
• TENS and EMS Electrodes — replacement electrode pads and electrotherapy accessories.
• Treatment Tables and Massage Tables — professional treatment tables for clinics, therapists, and rehabilitation practices.
• Physiotherapy Supplies — rehabilitation, exercise, treatment-room, and clinical therapy products.
• Clinic Supplies — everyday equipment and supplies for physiotherapy, massage, chiropractic, and rehabilitation clinics.
• Pain Relief Products — topical products, therapy devices, gels, and pain-management accessories.

Frequently Asked Questions

Is a rollator or wheelchair covered by insurance in Canada?

Many extended health plans include qualifying wheelchairs and rollators under durable medical equipment or mobility aid benefits. However, the covered percentage, eligible product type, annual maximum, and prescription requirements vary by plan.

Under CRA rules, wheelchairs and wheelchair carriers may qualify as eligible medical expenses without a prescription, while certain walking aids may require a prescription. Confirm both your insurer’s requirements and the current CRA rules before purchasing.

Is a massage table a CRA-eligible medical expense?

A massage or treatment table is generally not included on the CRA’s standard list of eligible personal medical expenses. It is commonly treated as business equipment when purchased for a professional clinic or licensed massage therapy practice.

Eligibility may differ in specific circumstances involving documented medical necessity. Confirm the intended tax or insurance classification with your insurer, accountant, or qualified tax professional before assuming the purchase is covered.

What is the difference between HSA and extended health eligibility?

Traditional extended health insurance generally reimburses a percentage of eligible expenses within predefined categories and annual maximums. A Health Spending Account may reimburse eligible medical expenses up to the available account balance, subject to the terms of the account and current CRA rules.

HSA availability and eligibility depend on the structure of the plan, the employer, and the individual’s employment or business situation. Ask your plan administrator or tax professional how the rules apply to you.

Do I need a prescription to claim mobility or therapy equipment?

It depends on the product and your plan. Some products require a prescription under CRA guidelines, while others may not. Separately, your insurer may require a prescription, medical referral, or letter of medical necessity even when CRA rules do not.

This is especially important for higher-cost electrotherapy equipment , orthopedic supports , and mobility products . Check your benefits booklet or contact your insurer before ordering.

Can I claim the amount insurance did not reimburse on my taxes?

You may be able to claim the qualifying portion of an eligible medical expense that was not reimbursed by insurance or another source. Medical expenses are generally claimed for an eligible 12-month period ending during the applicable tax year, subject to current CRA requirements.

Keep your TherapySupply.ca invoice, prescription, proof of payment, insurance statement, and any letter of medical necessity associated with the purchase.

Can TherapySupply.ca confirm whether my insurance will cover a product?

TherapySupply.ca can provide product details and an itemized purchase invoice, but only your insurer or plan administrator can confirm whether a product is covered under your specific plan.

If you need product information before contacting your insurer, visit our general FAQ or contact TherapySupply.ca for assistance.

This information is provided as general guidance and is not tax, legal, medical, or insurance advice. Coverage and eligibility rules vary by plan and may change. Confirm the current requirements with your insurer, benefits administrator, healthcare provider, or qualified tax professional. You can also consult the CRA’s official eligible medical expenses list .