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One of the most common questions seniors and caregivers ask is: “Does insurance offer coverage for mobility equipment?”
The short answer is sometimes — insurance coverage depends on the type of equipment, your insurance plan, and your individual situation. Understanding the basics can help you avoid unexpected costs and make informed decisions when exploring mobility support.
Does Insurance Cover Mobility Equipment?
In Ontario, coverage for mobility equipment may come from several sources, depending on eligibility.
Ontario Health Programs: Some mobility devices may be partially covered through provincial programs when specific criteria are met. Coverage often depends on medical necessity, the type of equipment, and required documentation such as prescriptions or assessments.
- Assistive Devices Program (ADP) may help cover part of the cost of approved mobility devices such as walkers, wheelchairs, and scooters. Applications typically require an assessment by an authorized healthcare professional.
👉 Use this link for more information: Ontario’s ADP Program - ODSP: Individuals receiving ODSP may be eligible for additional financial support related to medical and mobility needs, depending on their benefits and personal circumstances.
👉 Use this link for more information: ODSP - WSIB: If a mobility aid is needed due to a workplace injury, coverage may be available through WSIB as part of a return-to-work or rehabilitation plan.
👉 Use this link for more information: WSIB - Veterans Affairs Canada: Eligible veterans may receive coverage for mobility equipment through Veterans Affairs Canada, depending on service history and medical need.
👉 Use this link for more information: Veterans Affaris Canada
Private Insurance Plans: Many extended health insurance plans may offer partial or full coverage for mobility equipment. Coverage varies by provider and plan, and often requires proof that the equipment is medically necessary.
Other Coverage Programs: Some individuals may qualify for mobility equipment coverage through other assistance programs. Each program has its own eligibility requirements.
What Mobility Equipment is Typically Covered by Insurance?
Coverage varies, but in general:
May be covered (depending on eligibility):
- Walkers
- Wheelchairs
- Crutches
- Certain post-surgery mobility aids
Often not covered or only partially covered:
- Lift Chairs
- Comfort-focused of convenience equipment
- Home Lifestyle Upgrades
- Lift chairs
A common mistake is purchasing mobility equipment before confirming coverage. Many insurance providers will not reimburse equipment bought without prior approval. Asking questions ahead of time can save time, money, and frustration. Always confirm coverage before purchasing.
Why Do Assessments & Prescriptions Matter?
Many insurance providers require documentation to determine eligibility. This may include a doctor’s prescription or an assessment from a physiotherapist or occupational therapist. Having the correct paperwork can help prevent delays or denied claims.
Make Informed Decisions with Confidence.
Insurance coverage for mobility equipment in Ontario is not one-size-fits-all. What’s covered for one person may not be covered for another. Understanding your options early helps ensure you choose equipment that supports both your mobility needs and your budget. At Brant Arts IDA Pharmacy & Mobility, we help individuals and families navigate mobility solutions with clarity and confidence — so you can focus on safety, comfort, and independence.