Insurance Therapy
About Fettle
Help & Info
If you’re a Laya Healthcare member, your plan may already include money back on counselling and psychotherapy. Fettle matches you with an accredited therapist and shows you exactly how to check your cover and claim.
Live from our therapists’ calendars · 50 minutes · online
Can’t find a time that suits?
Book a free consultationAccepted by VHI Healthcare · Laya Healthcare · Irish Life Health
Fettle therapists are accredited with the bodies Laya Healthcare recognises for counselling and psychotherapy cover.
The same simple pay-and-claim process, whatever your plan.
Choose a Fettle therapist and book online in minutes. Sessions run online, so there’s no commute and no waiting room — just a private space to talk when it suits you.
Browse Laya-accredited therapists →
You pay Fettle for your session at the time of booking, the same way you would for any private counselling appointment.
| Session type | Single session | Bundle |
|---|---|---|
| Individual (Adult), 50 min | €95 | 6 sessions: €528 total (€88/session) — save €42 |
| Youth (12–17), 60 min | €125 | 5 sessions: €550 total (€110/session) — save €75 |
| Couples, 60 min, both partners | €135 | 5 sessions: €575 total (€115/session) — save €100 |
Prices are what you pay Fettle directly — you then claim back whatever your Laya Healthcare plan covers. Full pricing at fettle.ie/pricing. Correct as of 20 August 2026.
After your session, Fettle automatically sends you a receipt with your therapist’s name, their accreditation number, and your session details. You then upload this to Laya to process your claim.
Check your cover →
Log your receipt through the Laya App to claim money back, based on your own scheme’s level of cover.
Talk to our concierge team →
A 50-minute online session with an accredited Fettle therapist, €95. Evening and weekend appointments available. You pay here, then claim back whatever Laya Healthcare covers.
Select a date to view available times.
Intake form
Pick a date and time — we’ll match you with an accredited therapist and talk you through your cover.
Laya Healthcare offers money back on counselling sessions as part of its mental wellbeing benefits, though the exact level depends on your specific scheme. Checking your Member Area is the quickest way to see what’s included on your plan.
Laya Healthcare recognises therapists who are fully accredited with IACP, ICP, BABCP or IABCP. This generally excludes pre-accredited or trainee members, so every Fettle therapist you’re matched with meets a recognised accreditation standard.
Annual limits and any excess are set by your individual scheme, not by Fettle or by Laya Healthcare as a whole. Your Member Area shows your remaining allowance for the year.
Laya members claim money back through the Laya App. We automatically email you a receipt after every session, which includes your therapist’s accreditation details, ready to upload.
Because Laya’s cover criteria are about the practitioner’s accreditation rather than session format, online sessions with an accredited Fettle therapist follow the same pay-and-claim process.
Laya’s Mental Wellbeing Support Programme gives members over 16 free access to phone-based counselling, 24/7. For structured, ongoing work, most people still benefit from regular sessions with a dedicated therapist.
Have these ready and claiming back your Fettle sessions takes minutes.
A two-minute check in your Member Area can save you a surprise later.
Laya only reimburses fully accredited therapists (IACP, ICP, BABCP or IABCP). Pre-accredited practitioners are usually excluded.
Annual session or spend limits vary by scheme. Your Member Area shows what you have left for the year.
Some Laya schemes apply an excess per claim or per year. Checking this upfront avoids surprises.
Most out-patient counselling claims don’t need pre-approval, but extended courses sometimes do.
Every therapist you’ll meet through Fettle is fully accredited with a body Laya Healthcare recognises for counselling and psychotherapy cover.
Everything you need to know about using your Laya Healthcare cover with Fettle.
Yes — most Laya Healthcare schemes include an out-patient allowance that covers counselling and psychotherapy, alongside the free 24/7 Mental Wellbeing Support Programme. The exact level of cover depends on your individual plan, so check your Member Area for your specific benefit before booking a course of sessions.
Laya Healthcare recognises therapists who are fully accredited with IACP, ICP, BABCP or IABCP. Pre-accredited or trainee practitioners are generally excluded from cover, which is why every therapist matched to you through Fettle already holds one of these recognised accreditations.
Log into your Member Area on the Laya Healthcare website or app and check your table of benefits. This shows your annual counselling allowance, any excess that applies, and which services are included on your specific scheme.
Pay for your session directly. Fettle then automatically sends you a receipt — including your therapist’s name, accreditation body and number, and session date — which you upload through the Laya App. Reimbursement follows your own plan’s terms.
Cover is generally based on your therapist’s accreditation rather than whether a session is online or in person, so sessions with an accredited Fettle therapist follow the same claims process. Confirm with Laya directly if you need certainty for your scheme.
No — it’s a free, immediate phone support line for members over 16, separate from structured counselling. Many people use it alongside, not instead of, regular sessions with a dedicated therapist.
It’s usually a documentation issue rather than a cover issue — for example, a missing accreditation number. Contact Laya Healthcare directly, and Fettle’s concierge team can help make sure future receipts include everything your claim needs.
Annual limits vary by scheme, so there’s no single answer that applies to every Laya member. Your Member Area shows your remaining allowance for the year, worth checking before starting an extended course of therapy.
This depends entirely on your individual scheme, and Laya Healthcare doesn’t apply one flat rate across every plan. Some schemes cover a set number of sessions per year, others cover a percentage of the cost up to an annual limit. The only reliable way to know your figure is to check your table of benefits in your Member Area, or call Laya directly.
Laya Healthcare’s mental wellbeing benefit generally treats counselling and psychotherapy similarly for cover purposes, provided the practitioner is fully accredited with a recognised body. The distinction that matters more for your claim is your therapist’s accreditation and title, not the specific label used.
Family and dependant cover depends on your specific policy — some Laya schemes extend counselling cover to a partner or children included on the plan, others don’t. Check your Member Area or policy documents to see who’s covered under your scheme.
If you move from Laya Healthcare to a different insurer partway through therapy, your new insurer’s rules will apply to any sessions after the switch. It’s worth checking your new provider’s accreditation requirements before your first session with them.
This service is not an emergency or crisis service. If you feel at risk of harming yourself or someone else, are experiencing severe mania or psychosis, or feel unable to stay safe, please reach out immediately:
Book a free 20-minute consultation with one of our specialist advisors. No pressure, no commitment — just honest guidance to find the right therapist for you.
or call us now: 01 913 1090
Fettle is a mental health concierge. We help people understand their options and connect with independent qualified professionals and support pathways. Insurance reimbursement and tax relief depend on individual eligibility, policy terms and provider requirements. Cover levels described on this page vary by plan — always check your own policy documents with Laya Healthcare. Fettle is not affiliated with or endorsed by Laya Healthcare. Fettle is not a crisis or emergency service.