Introduction: Getting Denied Because of a “Bad Receipt” Happens More Than You Think
You paid for your massage therapy session, submitted the receipt to your insurance provider, and waited… only to find out your claim was denied.
Why?
The problem is often simple: your receipt didn’t meet your insurer’s requirements.
Whether you\’re with Sun Life, Manulife, Canada Life, Greenshield, or any other Canadian insurance provider, there’s a right — and wrong — way to issue massage receipts for reimbursement.
This blog will give you a quick checklist to make sure every RMT visit is covered and your reimbursement comes through quickly and stress-free.
✅ What Insurance Providers Need to See on a Massage Receipt
Insurance companies require very specific information. Missing even one of these items can lead to claim rejection or delays.
Here’s what every valid Registered Massage Therapy (RMT) receipt should include:
| Must-Have Detail | Why It Matters |
| 🧾 Clinic Name & Address | Verifies where the treatment took place |
| 💼 RMT\’s Full Name | Confirms who provided the treatment |
| 🔢 RMT License/Registration Number | Required to prove eligibility under your plan |
| 📅 Date of Treatment | Must match what you\’re claiming for |
| 💰 Amount Paid | Must show exact amount charged |
| 🖊️ Proof of Payment | e.g., Paid stamp, card charge, or zero balance |
| 📋 Treatment Description | \”60-minute Swedish massage therapy\” is typical |
| 🧑 Patient’s Name | Especially important if you\’re claiming for a dependent |
💡 Most denials happen because the receipt is:
- Missing the license number
- Not marked “paid”
- Lacking full patient details
⚠️ What Is NOT Acceptable?
Here are common receipt mistakes that may cause your insurance provider to reject your claim:
- Cash-only receipts without proof of payment
- Handwritten receipts without RMT stamp or license
- Receipts missing your name (for family plans)
- Generic receipts from non-regulated providers (e.g., estheticians or uncertified bodyworkers)
🚫 Your insurance will only cover registered massage therapists (RMTs) — not spa or unlicensed practitioners.
🧾 Sample of a Proper RMT Receipt
Here’s what it should look like (ask your clinic to provide this layout):
| yaml CopyEdit North Toronto RMT Clinic 1234 Wellness Ave, Toronto, ON Tel: (416) 555-1234 RMT: Jane Doe, Reg. #123456 Date of Service: October 20, 2024 Patient Name: John Smith Service: 60-minute therapeutic massage Amount: $100.00 Payment Method: VISA – Paid in Full |
✅ Clean, professional, and insurer-ready.
💬 What If I Need to Resubmit a Denied Claim?
If your receipt was missing info:
- Contact the clinic that issued it
- Ask them to reissue or correct the receipt with the missing details
- Resubmit the corrected version to your insurance provider
Most insurers like Manulife or Sun Life allow resubmission online through their app or portal.
💬 Or ask Ruby, our smart assistant at insurance.rmtclinic.net, to walk you through it.
💡 Pro Tip: Use Clinics That Offer Direct Billing
Want to skip receipts altogether?
Choose a clinic that provides direct billing through Telus eClaims or ProviderConnect. This way:
- The clinic handles the paperwork
- You only pay the co-payment (if applicable)
- No more waiting or back-and-forths
👉 Find a direct billing massage therapist here: RMTClinic.net
📆 Last Word: Check Your Receipts Before Year-End
Before the year resets on December 31st, review:
- All your past RMT visits
- All your receipts (are they complete?)
- Remaining coverage in your plan
Then book your next massage before the holiday rush.
📣 Take Action Now
✅ Use RMTClinic.net to book your massage
✅ Check if your receipts meet insurance standards
✅ Ask Ruby for help reviewing your claim details
