Fees, Billing
& Cancellations
Straightforward information about how payment works at Toriven™ — no surprises, no pressure. Full terms are provided in your Patient Service Agreement before your first appointment.
Insurance & Reimbursement: Coverage and reimbursement decisions are made solely by your insurer. Toriven Health Inc. makes no guarantee that any portion of services will be approved, reimbursed, or covered under any insurance plan. Clients are responsible for confirming their own coverage before booking. Toriven™ provides detailed receipts after every session for submission to your insurer.
Payment at Booking
Full payment is collected at the time of booking. Your appointment is not confirmed until payment is successfully received. All fees are in Canadian dollars.
For assessments booked well in advance, payment is collected in three automatic staged instalments:
| 1 — Booking deposit (25%) | Charged at booking — confirms your appointment |
|---|---|
| 2 — Interim payment (25%) | Charged automatically 30 days before your appointment |
| 3 — Final balance (50%) | Charged automatically 15 days before your appointment |
Assessments booked within 15 days of the appointment date require full payment at booking. Assessments booked within 72 hours are non-refundable from the point of booking. Full terms are set out in your Patient Service Agreement.
Accepted Payment Methods
Major credit cards, debit and Visa debit, digital wallets, and e-transfer. Cash is not accepted.
Secure Processing
All payments are processed through PCI-compliant secure systems. Toriven™ staff do not store or access your full card details.
HST
Most clinical services are exempt from HST under the Excise Tax Act. Where HST applies, it will be clearly noted on your invoice.
We Bill Your Insurer Directly
Toriven™ direct bills most major Canadian private insurers on your behalf — no need to pay out of pocket and wait for reimbursement yourself.
Once your insurer confirms the approved amount, we refund that portion directly to your original payment method. Any amount not covered by your insurer remains your responsibility.
Official Invoices
A formal invoice — including clinician name, registration number, service date, and service code — is issued after your appointment. Your booking confirmation is not an invoice.
Ontario Autism Program (OAP)
OAP-eligible clinicians are noted on your invoice. We issue invoices formatted to support OAP submission. Submitting the claim is your responsibility.
Self-Submission Option
Prefer to submit to your insurer yourself? We provide a detailed Superbill receipt after every appointment — everything your insurer needs in one document.
Cancellation Policy
Your appointment time is reserved exclusively for you. Cancellations are the patient’s responsibility and must be submitted through the Patient Portal only — available 24/7. Cancellations submitted by email, text, or phone are not accepted under any circumstances. Cancellation is timestamped at the time received in the Portal.
Assessments — 72 Hours Notice Required
Cancellations for psychological and neuropsychological assessments must be submitted via the Patient Portal at least 72 hours before your scheduled appointment.
- Cancelled 72+ hours before: 15% administrative fee applied — remainder refunded to your original payment method
- Cancelled within 72 hours or no-show: Full assessment fee forfeited — no refund
- Booked within 72 hours of appointment: Full payment non-refundable from point of booking
Full cancellation terms, including BNPL and instalment scenarios, are set out in your Patient Service Agreement (v5.3).
Therapy & Consultations — 48 Hours Notice Required
Cancellations for therapy sessions and consultations must be submitted via the Patient Portal at least 48 hours before your scheduled appointment. Cancellations received within 48 hours, or no-shows, will result in the full session fee being charged.
Exceptions & Waivers
Unexpected illness, family emergencies, and unforeseen events are reviewed case by case. Submit your exception request through the Patient Portal as soon as possible. Exceptions are not guaranteed and are at Toriven™’s sole discretion.
Within 72 Hours or No-Show
Late cancellations and no-shows may result in the full session fee being retained. We understand that life happens — see below.
Exceptions & Waivers
Unexpected illness, family emergencies, travel disruptions — we review these situations case by case. Reach out to our team as soon as you can and we will do our best to work with you.
Refunds Back to Your Original Payment Method
Where a refund is due — whether from a cancellation, an insurance reimbursement, or any other adjustment — it is returned to the original payment method on file.
Refunds typically appear within 7–14 business days depending on your bank or payment provider. Insurance-related refunds are processed once we receive confirmation from your insurer.
Payment plans available for eligible services
Spread the cost of assessments and therapy through independent third-party lenders. All financial decisions remain with the patient.
All financial terms are governed by the Patient Service Agreement (PSA) provided prior to care. Before your first appointment, you will receive a PSA that sets out all payment obligations, cancellation fees, insurance terms, refund conditions, and related policies in full. All services are provided under agreed payment arrangements prior to care. Appointment changes and cancellations may be subject to fees as outlined in your PSA. You will have the opportunity to read and ask questions before signing.
Questions About Fees?
Our Care Coordinator team is here to walk you through costs, insurance coverage, and payment options — before you commit to anything.
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