Insurance Coverage Made Simple

Seamless billing solutions and expert care, ensuring your insurance process is stress-free and convenient.

Direct Billing

ICBC Approved

No Upfront Costs

ICBC Claims Process

How to Navigate Your ICBC Claim

Step-by-step guide from accident to treatment. Understand the ICBC claims process simply and clearly.

Information verified: December 4, 2025

Visit ICBC Claims Page

Report Claim: Vancouver 604-520-8222 / Toll-free 1-800-910-4222

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Immediate Actions at the Scene

Ensure safety, collect accident information, and take photos. Call 911 immediately if there are injuries.

Call 911 immediately if there are injuries
Move vehicle to a safe location
Collect all driver information (name, phone, license, insurance)
Take photos of accident scene and vehicle damage
Record accident date, time, location, and weather conditions

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Report to ICBC

Report the accident to ICBC as soon as possible and obtain your claim number. You can report online or by phone.

Online: icbc.com/claims
Phone: Vancouver 604-520-8222 / Toll-free 1-800-910-4222
Translation services available in 170+ languages
Obtain and safely store your claim number

Report Claim to ICBC

📅

Book Assessment & Treatment

Make an appointment with an ICBC clinician or contact us.

Have your ICBC claim number and accident date ready.

Book by phone or online
Have your ICBC claim number ready
Have your accident date ready
Initial assessment and treatment plan

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Start Pre-Approved Treatment

ICBC pre-approves RMT, Chiropractic, and Acupuncture treatments for the first 12 weeks following an accident. Start treatment with direct billing, no upfront costs.

✨ Pre-approved Treatments

RMT: 12 pre-approved sessions
Chiropractic: 25 pre-approved sessions
Acupuncture: 12 pre-approved sessions
Start treatment with direct billing, no upfront payment

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Request Additional Treatments

After pre-approved sessions, we can request additional treatments from ICBC on your behalf if needed.

After completing pre-approved sessions
Healthcare team assesses need for additional treatment
Submit additional treatment request to ICBC
Continue treatment after approval

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Ongoing Recovery Support

Maintain regular contact with an ICBC recovery specialist for ongoing support. We work together for optimal recovery.

Regular communication with ICBC recovery specialist
Monitor treatment progress
Adjust treatment plan as needed
Support until full recovery

Pre-approved Treatments - ICBC approved RMT, Chiropractic, and Acupuncture services

Pre-approved Treatment Options

ICBC pre-approves these treatments for the first 12 weeks following an accident.

RMT

Pre-approved sessions

Chiropractic

Pre-approved sessions

Acupuncture

Pre-approved sessions

* Number of pre-approved treatment sessions for the first 12 weeks following an accident

Why Choose Direct Billing

Benefits of Direct Billing

Experience a streamlined insurance process designed for your convenience

No Upfront Payment

We bill your insurance directly, so you don't pay out of pocket at the time of service.

Faster Processing

Direct billing means faster claim processing and less paperwork for you.

Less Paperwork

We handle the insurance forms and documentation on your behalf.

Seamless Experience

Focus on your recovery while we manage the administrative details.

Extended Health Benefits

Insurance Coverage

Direct billing services available with the following insurance providers:

AGA Financial Group

Alberta Blue Cross

belairdirect

Beneva

BPA - Benefit Plan Administrators

Canada Life

Canada Life - PSHCP

Canadian Construction Workers Union

Chambers of Commerce Group Insurance

CINUP

ClaimSecure

Coughlin & Associates

Cowan

Desjardins Insurance

Empire Life

Equitable

First Canadian

Green Shield

GMS

GroupHEALTH

GroupSource

Industrial Alliance

Johnston Group

LiUNA Local 183

LiUNA Local 506

Manion

Manulife Financial

Maximum Benefit

MDM Insurance Services

Medavie Blue Cross

MEDIC Construction

Pacific Blue Cross

People Corporation

RWAM Insurance Administrators

Simply Benefits

SSQ Insurance

Sun Life Financial

Union Benefits

UV Insurance

Got Questions?

Frequently Asked Questions

Common questions about insurance coverage and direct billing

What information do I need to bring for my first appointment?

For ICBC claims, bring your claim number and date of accident. For extended health benefits, bring your insurance card with policy and member ID numbers.

Do I need to pay upfront if I have insurance?

No. With direct billing, we submit claims directly to your insurance provider. You only pay any portion not covered by your plan, if applicable.

How long does it take for ICBC to approve treatment?

ICBC typically pre-approves the first 12 weeks of treatment for RMT, chiropractic, and acupuncture. Additional treatments require approval, which we can request on your behalf.

What if my insurance doesn't cover the full cost?

You'll be responsible for any remaining balance after insurance coverage. We'll inform you of any out-of-pocket costs before treatment begins.

Can I use multiple insurance plans?

Yes, you can coordinate benefits between primary and secondary insurance plans. Our team can help you understand your coverage options.