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
Payment arrangements are confirmed before your appointment is booked. Depending on the service, appointment timing, and the applicable payment arrangement, payment may be collected in full, through staged instalments, or through another approved payment arrangement.
Appointments are not confirmed until the applicable payment arrangement has been completed or approved.
Flexible payment arrangements and financing options may be available for eligible services. A member of our Finance Team will discuss the options available for your appointment before booking is confirmed.
Patients remain responsible for all fees unless otherwise agreed in writing before services are provided. Insurance reimbursement and financing approvals are separate processes and do not affect or guarantee payment to Toriven™. Patients are responsible for the accuracy of all billing and insurance information provided to Toriven™.
Full payment terms are set out in your Patient Service Agreement.
Assessment Scope & Additional Clinically Indicated Testing
Assessment fees are based on the anticipated scope of the assessment at the time of booking. Assessment measures and batteries, report length, and assessment pathways are determined by the clinician based on the referral question, clinical presentation, age, and professional judgment.
The assessment measures, batteries, and report lengths described on our website and service materials are representative examples only and do not indicate that every measure or assessment battery will be used for every assessment.
If, during the assessment process, additional clinically indicated assessment measures or testing become necessary to ensure an accurate and comprehensive evaluation, we will discuss the recommendation, explain any associated fees, and obtain your informed consent before proceeding.
No additional assessment fees will be charged without your prior agreement.
Assessment Booking Deposit
To secure a Clinical Intake Assessment, a $500 assessment booking deposit is required. This deposit forms part of the total assessment fee and is subject to a seven (7) calendar day cooling-off period from the date of booking.
During this period, the booking may be cancelled in accordance with our cancellation policy. After the seven (7) calendar day cooling-off period has expired, the $500 assessment booking deposit becomes non-refundable, regardless of the scheduled appointment date.
This booking deposit will be credited toward the total assessment fee if the assessment proceeds. Rescheduling requests remain subject to clinician availability and Toriven Health's scheduling policies.
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™ submits eligible claims directly to most major Canadian private insurers where direct billing is available.
Depending on your insurer, coverage, and payment arrangement, you may be required to pay some or all fees before or at the time of service. Any eligible insurance reimbursement or payment adjustment will be processed in accordance with your payment arrangement and applicable insurance outcomes.
Any amount not paid by your insurer remains your responsibility.
Coverage, reimbursement, and claim decisions are determined solely by your insurer.
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 or more before the appointment: Full refund to the original payment method. Toriven™ is not responsible for any fees or charges imposed by your bank, credit card issuer, payment provider, or other third parties.
- 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
The Assessment Booking Deposit is governed by its own terms and is not affected by the general 72-hour assessment cancellation policy. The 72-hour cancellation requirements apply only to any remaining assessment fees, where applicable, and do not apply to the booking deposit.
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.
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 arrangements may be available for eligible services.
Depending on the service and appointment timing, eligible patients may have access to Toriven™ payment arrangements, staged instalment plans, and/or independent third-party financing options.
Availability varies by service and booking circumstances. Our Finance Team will discuss the options available for your appointment before booking is confirmed.
Financial approval and financing decisions remain solely between the patient and any third-party financing provider.
Low-Income Family Subsidy
Toriven™ offers a financial subsidy program for eligible low-income households to help improve access to care.
If cost is a concern, we encourage you to speak with our Finance Team before booking. We will be happy to discuss whether you may qualify for available financial assistance and review the payment and subsidy options that may be available for your circumstances.
Eligibility criteria apply. Full details of available financial assistance are provided during the booking process.
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 your appointment.
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