On a VHI plan? Many plans cover counselling and psychotherapy sessions. Book with Fettle, get your receipt, and claim back through Snap & Send — no GP referral needed.
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Most VHI plans that include therapy benefits provide a fixed amount back per session, up to a set number of visits per year.
Counselling and psychotherapy typically falls under your outpatient or day-to-day benefits section.
Plans typically list a euro amount per visit alongside a maximum number of combined visits per renewal period.
Some plans use the wording "mental health therapy sessions" — check for "Psychologist / Counsellor / Psychotherapist" in your Table of Benefits.
VHI lets you submit claims instantly through the MyVhi app — just snap a photo of your receipt and send.
Important: VHI benefits vary by plan. Your exact refund amount and number of covered sessions will be listed in your Table of Benefits. Search your plan for "Psychologist / Counsellor / Psychotherapist" or check MyVhi → Check my benefits.
The whole process takes about 5 minutes after your session. Here's exactly what to do.
Choose your therapist and appointment time on Fettle. You can book for anxiety, stress, low mood, relationships, grief, burnout, confidence, and more.
Complete the session online from wherever suits you — home, office, or on the go. After your appointment, you'll have everything you need to submit a claim.
You pay Fettle for your session at the time of booking. After the session, you'll receive a clear, detailed receipt — designed to include everything VHI needs for a smooth claim.
Log in to MyVhi or the VHI App. Snap or upload your receipt image (or PDF), fill in a few basic details, and send your claim. That's it.
You can manage and review all your claims through MyVhi or the VHI App. Most claims are processed quickly — submit soon after each session for easiest tracking.
VHI recognises therapists who are chartered members or registered with the following bodies.
Ireland's largest professional body for counsellors and psychotherapists. Recognised by all three major insurers.
Umbrella body representing psychotherapy organisations in Ireland including IAHIP, FTAI, and others.
Professional body for psychology in Ireland. Chartered members are eligible for VHI psychology claims.
When you book with Fettle, tell us you're claiming with VHI and we'll ensure your therapist match meets the usual insurer criteria (IACP, ICP, or PSI accredited).
Find a Therapist →To avoid any back-and-forth with VHI, make sure your receipt clearly shows all of the following.
It depends on your plan. Some plans list a set amount per visit and a maximum number of sessions (for example, "X combined visits"). Check your Table of Benefits or log into MyVhi → Check my benefits for the exact figure on your policy.
Yes — many VHI members claim for "talk therapy" as an everyday medical expense through Snap & Send. The key requirements are that the service and provider meet your plan rules, and that the receipt includes all the required details (client name, date, therapist, amount paid, and provider info).
For standard counselling and psychotherapy claims, a GP referral is typically not required. You can book directly with a qualified Fettle therapist and submit your receipt. If a referral is needed for a specific benefit on your plan, it's normally spelled out explicitly in the plan rules.
VHI terms describe submitting within a "reasonable timeframe" (definitions can vary by plan). Best practice: submit soon after each session while receipts and details are easy to track. The Snap & Send feature in the MyVhi app makes this quick — about 2 minutes per claim.
Check your plan benefits in MyVhi or your Table of Benefits document. Search for terms like "counselling", "psychotherapy", "psychologist", or "mental health therapy sessions". If you're still unsure, call us on (01) 912 5688 and we'll help you work it out.
Book → Attend → Submit receipt. That's it.
Choose a therapist on Fettle
Complete your session online
Download your Fettle receipt
Submit via VHI Snap & Send
Coverage depends on your insurer, plan, and therapist accreditation. Fettle cannot guarantee reimbursement. Always check your Table of Benefits.
