Payments, Cancellations & Refunds

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Fees for individual sessions, couple’s sessions and dyads are due before or at the end of the session unless otherwise agreed.

Fees for workshops or groups are due before the workshop / group start or at the beginning of the workshop / group unless otherwise agreed.

Payment options:

  • PayPal ( or here through this website)
  • Cheque (made out to Sabine Cox)
  • Electronic Money Transfer (
  • Credit Card (Visa, Mastercard, Discovery, JCB, or AmEx) – a 1% processing charge applies for cards on file or payment on the phone
  • Cash (in person only)
  • Debit (up to $90 per transaction; in person only)

There is a fee for returned payments, e.g. NSF cheques. It becomes due immediately and is to be included with the replacement payment.

For detailed fees please visit the relevant Fees page:
Fees for Psychotherapy
Fees for Professional Services

Fee changes will be announced at least one month before they come in effect. Active clients will be informed via email or in person. The changes will also be posted on this website.

If not otherwise discussed, sessions will be charged at the regular fee posted on this website.

If you feel that the regular fee is not affordable for you, the low fee may apply. If you are uncertain if you qualify for the low fee, please contact me. I will be happy to discuss your options with you.

The application of the low fee for personal therapy is dependent on your family income. Family income is the combined income of all earning family members living in your household. If you feel that your situation presents a unique challenge (e.g. large number of dependents, illness, training / education, etc.), and your would like to discuss a possible exception, please contact me.

The application of the low fee professional services similarly is determined by your current practice size. Practice size is calculated by adding up the number of session hours you have had in the past 12 months period and dividing that number by 48 weeks (calculating 4 weeks off for the year). If you have worked for less than a year, add all session hours you have accumulated so far and divide them by the number of weeks you have worked (minus one week for every 12 weeks worked for vacation time). If you are uncertain about the calculation or feel that your situation is presenting unusual circumstances, please contact me.

The applicability of the low fee for for both individual psychotherapy or professional services will be reviewed by us every six months. If your financial situation changes dramatically at any time, it is your responsibility to inform me so that together we can decide if the low fee should be granted to you at that time.

For personal psychotherapy only:
At any given time I have availability for three pay-as-you-can clients for psychotherapy. If you feel that you can not afford even the low fee and you haven’t been able to find another therapist to work with at a more affordable fee (please ask me for referrals to interns etc.) and I have, at that time, a pay-as-you-can spot available, we can discuss working together with a pay-as-you-can arrangement. Some conditions apply:

  • Family income of less than $30,000 per year
  • Your dedication to the process (e.g. if there are more than three last-minute cancellations or no-shows, the agreement will be cancelled)
  • Availability (I have only three spaces available at any given time)

Pay-as-you-can arrangements are for six months before they will be reviewed.

For professional services only:
If you are requiring full supervision for your practice (e.g. if you are in training, require supervision for your association or your CRPO membership), a deeper involvement in your practice is required on my end. Supervision fees are slightly lower than consultation fees. However, more regular sessions are required for supervision agreements. Supervision agreements are negotiated individually. Please contact me for more details.

Refunds and Cancellations

Courses, Groups and Workshops

I reserve the right to cancel or reschedule courses, groups, or workshops before the announced start date. Should such a cancellation be necessary, all paid fees will be refunded in full by cheque within one week after cancellation notice or held for application to another course or service, as preferred by the participant.

Should a participant wish to cancel his / her participation in the course, group, or workshop, and makes that known in writing (email to sabine@sabinecox,com suffices) at least five workdays prior to the announced start date of the course, group, or workshop, all paid fees will be refunded in full by cheque within one week after receipt of the cancellation notice.

Should the cancellation notice arrive less than five workdays before the announced start date, all paid fees minus a 20% administrative fee will be refunded by cheque within one week after receipt of the cancellation notice.

Should the participant decide to discontinue participation in the course, group, or workshop after the first session, a partial refund will be issued: full fee minus the portion of course time taken. A cheque will be mailed within one week after the cancellation notice is received.

For any cancellations on or after the 2nd session of the course, group, or workshop no refunds are given.

In special circumstances (such as severe illness and such like) personal arrangements may be possible.

When cancelling your participation in a course, group, or workshop, please include your full mailing address (incl. postal code) for the mailing of the refund cheque.

Individual Sessions (private or professional), Relationship Sessions, Dyad Sessions (supervision only)

In case of cancellation of a session through me any fees previously paid for that session will be refunded in full or put towards the next booked session, as preferred by the client.

In case of cancellation of a session through the client at least 24 hours (for sessions one and a half hour or shorter) or 48 hours (for sessions two hours or longer) before the scheduled session date any fees previously paid for that session will be refunded in full or put towards the next booked session, as preferred by the client.

In case of cancellation of a session through the client within less than the above mentioned cancellation period before the scheduled session date or if a client does not present for a scheduled session, I will attempt to fill the time slot from my cancellation list. If this is successful, I will not charge for the cancelled session. Should I not be able to fill the time slot, I will charge the full fee for the cancelled session and consider it due within one week of the originally scheduled session.

For dyad and relationship sessions: Cancellation periods for dyads and relationship work are 48 hours instead of the usual 24 hours due to the length of sessions (at least two hours).

If one of the partners does not present for a scheduled session, the other partner will have the opportunity to attend at the scheduled time for a one-hour one-on-one session. The fee will be prorated from the usual fee. In relationship work only individual in-depth work can be done. No relationship work will be done if one partner is not present. The full fee for the session as scheduled will be charged.

If the client or one of the partners of a relationship session is more than 20 minutes late without notification I reserve the right to cancel the session at full charge.

In special circumstances (such as severe illness) individual arrangements may be possible.

Cancellations for sessions can be made by phone or SMS (416.889.5291) or email ( Cancellations for courses, groups, or workshops need to be made by email (


If you have any questions regarding these policies, please contact me at 416.889.5291 or email me.

I am a Registered Psychotherapist with the College of Registered Psychotherapists of Ontario (CRPO).

If there are any complaints about me and my work, please address it with me directly. I will do my best to resolve conflicts with you.

Should a conflict not be resolvable between us, you can direct a complaint to the CRPO. You can find more information about the complaints’ process at the CRPO website.