After a crash

Treatment under an ICBC claim

What ICBC pays for, how long you have, and what to bring to the first visit — with the clinics that bill it directly, where we hold enough of them to compare.

12 weeks from the date of the crashTreatment window

A claim number. Nothing else.What you need to start

How an ICBC claim gets you treated

  1. Report the crash to ICBC

    Online or by phone. You get a claim number the same day, and that number is all a clinic needs to bill.

  2. Book inside 12 weeks

    No referral and no approval call. Pre-approved treatment starts from the date of the crash.

  3. The clinic bills ICBC

    You pay the user fee if that clinic charges one, and nothing else at the desk.

What ICBC covers

Pre-approved by ICBC from the date of the crash — no referral, no adjuster sign-off.

Physiotherapy
25 visits
Chiropractic
25 visits
Massage therapy
12 visits
Acupuncture
12 visits
Counselling
12 sessions
Kinesiology
12 visits
Occupational therapy
as approved
Podiatry
not covered
Naturopathic medicine
not covered
Dietetics
not covered
Osteopathy
not covered
Speech therapy
not covered

Where you can compare ICBC clinics

These are the cities where we hold enough clinics billing this claim to be worth comparing. The funder works everywhere in the province; our index does not yet.

ICBC claims: what to know

The part people get wrong about ICBC treatment is the money. ICBC pays the clinic a set rate per visit; the clinic’s own listed price is often higher, and the gap is the user fee. It is legal, it varies clinic by clinic, and almost nobody publishes it — which is why the only fees on this page are the ones clinics wrote down themselves.

The other constraint is the clock. Pre-approved visits run from the date of the crash rather than from the day you decide to use them, so the practical advice is to book the assessment while you are still deciding whether you need the full course.