Finding a therapist can be difficult. It can take time, and you might have to go through several sessions before you find one that is right for you. But once you do, your therapist must have the right insurance coverage. Otherwise, they won’t be able to help you—or worse yet, they could make a mistake that ends up worsening your condition.

Therapist insurance helps protect against errors and omissions (E&O). This type of insurance covers the cost of malpractice lawsuits resulting from therapists acting outside of their scope of practice or making mistakes while performing their duties as licensed professionals. This guide will talk about some useful tips for getting this insurance.

Here are the tips for you:

Determine Your Coverage:

You’ll need to determine your coverage before you can get therapy insurance. If you have a current health insurance policy, check with the provider to see if it covers mental health care. If not, consider switching providers or looking into getting a new policy that does.

If there are no other options for coverage and/or if the cost of therapy is prohibitively expensive for your budget, consider finding an alternative source of funding such as grants from government agencies or foundations (check out our article on how to find grants).

Be Honest With Your Provider:

When you are applying for therapist insurance, your provider will ask you questions about your practice. Answer honestly, even if it is embarrassing or awkward. If you lie, they will know and they won’t be able to help you.

Communicate With Your Insurance Provider:

If you have an insurance plan for therapy, it’s important to communicate with your insurance provider. It will help ensure that you are getting the correct benefits and making claims when necessary. You should ask questions about what is covered by your plan and what isn’t. For example, ask if certain types of therapy are included or excluded. You may also want to ask how much the deductible is before receiving treatment so that there’s no surprise when it comes time to pay out-of-pocket costs (this can sometimes be substantial).

Check Your Policy Carefully:

You need to read your policy carefully. Don’t assume you know what it covers and don’t assume you know what it excludes. Make sure that the limits of your coverage are clear and make sure that there are no gaps in coverage that could leave a gap in treatment for you or your loved ones.

Know the Key Exclusions:

As with any insurance policy, there are certain exclusions. For example, therapy sessions that are provided by an individual practitioner in his or her own home are not covered by most policies. Other examples include:

  • Addiction treatment services
  • Counselling sessions provided as part of an employer benefit plan or self-insured health plan
  • Family counselling (individuals seeking help for themselves but not their family members)

Work with a Licensed Insurance Broker or Agent:

When you’re looking for therapist insurance, it’s important to work with a licensed insurance broker or agent. A broker or agent is someone who helps customers find the best plans and rates on their behalf. They can help you find insurance that fits your needs as well as any coverage gaps in your current plan, like mental health benefits or prescription drugs.

Many people think they should choose their policies because they are familiar with the terms and conditions of different plans. However, this may not always be wise since there are many variables involved when applying for health insurance such as pre-existing conditions, age limits and waiting periods that could disqualify someone from getting certain types of coverage altogether!

Consider Additional Benefits and Services:

In addition to the basic coverage of your therapist visits and treatment, you may want to consider supplemental benefits. These include additional services such as mental health coverage and/or coverage for your therapy sessions.

For example, some insurance companies offer a limited amount of mental health services per year or per policyholder. If this is something you’re interested in having covered by your insurance plan–and many people would likely want this benefit!–then make sure that the policy includes it before signing up for it.


The bottom line is that therapist insurance is a great option for any therapist. It can help you get the treatment you need to stay healthy and productive, but it’s important to know what to look for when shopping around for coverage. You must determine your coverage before you can get therapy insurance, be honest with your provider, communicate with your insurance provider and know the key exclusions

Arthur Sweat