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How much should you really pay for a private medical consultation? The answer may surprise you as costs climb from quick visits to elite packages.
Written By: Hesam Seyedi | September 3, 2025
You’ve been waiting four months to see a specialist. Your symptoms aren’t improving. Every day without answers feels heavier.
For many Canadians, this isn’t hypothetical — it’s the reality of navigating an overloaded healthcare system. And it’s pushing more people to consider private medical consultations and virtual second opinions.
Across Canada, private care is growing fast. Some clinics now charge between $150 and $300 for urgent-care visits, while annual executive health packages can range from $3,700 to $5,000 for bundled exams and ongoing services, according to CBC and the Ontario Health Coalition. For many families, these costs mean making tough choices — but they also highlight a growing demand for faster access and personalized care.
And this isn’t just a Canadian trend. The WTW Global Medical Trends Survey projects that medical costs will rise 10.4% globally in 2025, putting even more pressure on public systems and accelerating the shift toward private healthcare options.
In this article, we’ll break down:
▪ How much private consultations actually cost
▪ The different types of consultations — in-person, telemedicine, and virtual second opinions
▪ Factors that drive prices up or down
▪ Hidden fees you should watch for
▪ When paying out of pocket makes financial sense
▪ How to find affordable options without compromising quality
By the end, you’ll have a clear understanding of costs, value, and choices — so you can make informed healthcare decisions without unnecessary delays.
When people start exploring private healthcare in Canada, the first question is usually simple: How much will it cost? The answer depends on several factors, including the type of consultation, where you live, and whether you choose an in-person or virtual option.
Private consultations generally fall into three categories — in-person visits, virtual consultations, and second-opinion services — each with different cost structures and benefits.
A. In-Person Private Consultations
For patients who prefer face-to-face care, in-person consultations remain the most common option. Costs vary widely based on location, specialist type, and appointment length.
▪ Initial consultation costs in Canada usually range between $200 and $325 CAD per session, according to MyTribe Insurance and other sources.
▪ Follow-up appointments are generally less expensive, averaging around $220 CAD.
▪ Specialist consultations, such as cardiology or orthopedics, can range from $330 to $500 CAD based on data from the Practice Plus Group and Canadian clinic reports.
▪ Some providers offer fixed-price consultations starting at $150 CAD, helping patients manage their healthcare budgets.
In Canada, many private clinics offering urgent access typically charge between $150 and $300 CAD per visit, reflecting rising demand for same-day or next-day appointments.
B. Telemedicine and Virtual Consultations
Telemedicine is transforming how Canadians access care, offering faster and often more affordable alternatives to in-person visits.
▪ General virtual consultations range from $55 to $120 CAD per session, based on GoodRx’s telehealth pricing analysis.
▪ The average virtual primary care visit without insurance costs around $105 CAD, according to Mira Health.
▪ For comparison, in-person acute care visits typically cost between $180 and $235 CAD, showing significant savings when choosing virtual care, as highlighted by Health Recovery Solutions.
▪ Psychiatry consultations delivered through telemedicine platforms can reach up to $400 CAD for a 45-minute session, illustrating how costs can vary by specialty.
Virtual care has become especially valuable for patients living in rural areas, busy professionals, and anyone seeking quicker access to specialists without the need to travel.
C. Online Second Opinion Services
For patients who want to confirm a diagnosis or explore alternative treatment options, online second opinions are becoming increasingly popular.
▪ Leading clinics offering virtual second opinions typically charge around $950 CAD per consultation, according to Oncology News Central.
▪ In oncology, 53.8% of virtual second opinion cases led to treatment plan changes, especially for stage II patients.
▪ Demand for these services is growing rapidly, with the global medical second opinion market projected to reach $24.18 billion USD by 2032, growing at a 16.5% CAGR, according to Coherent Market Insights.
These services combine access to top specialists with the convenience of remote care, making them a strong option for patients facing complex or high-stakes medical decisions.
| Consultation Type | Average Cost | Cost Range | Source |
|---|---|---|---|
| In-Person Initial Visit | $260 CAD | $200 – $325 CAD | MyTribe Insurance |
| Follow-Up Visit | $220 CAD | $175 – $270 CAD | Practice Plus Group |
| Telemedicine Visit | $105 CAD | $55 – $120 CAD | GoodRx |
| Psychiatry Telehealth | $400 CAD | $240 – $400 CAD | Mira Health |
| Online Second Opinion | $950 CAD | $700 – $1,200 CAD | Oncology News Central |
Ever wondered why two patients can pay completely different prices for the same type of consultation? Private medical fees aren’t one-size-fits-all — they depend on several variables, from the specialist’s expertise to the format and urgency of the appointment.
A. Specialist Type and Expertise Level
The type of doctor you see has a significant impact on pricing. Highly specialized fields such as cardiology, neurology, and oncology often command higher consultation fees due to their advanced training and demand for expertise.
▪ Specialists at academic medical centers or teaching hospitals may charge more than those in private practice.
▪ Doctors with decades of experience or dual certifications often set higher rates.
▪ Subspecialties like pediatric cardiology, interventional neurology, or orthopedic surgery are usually at the upper end of the pricing spectrum.
Patients seeking second opinions from global experts, especially in complex fields like oncology, often turn to virtual consultation services, which can cost more but provide access to world-class specialists.
B. Geographic Location
Where you live can significantly affect consultation fees.
▪ Urban centers with high demand and limited specialist availability often have higher pricing than smaller cities or rural regions.
▪ In Canada, private clinics in major cities like Toronto and Vancouver frequently charge more than clinics in smaller communities, partly due to operating costs and patient demand.
▪ International consultations can offer cost savings in some cases, with patients seeking care through providers in countries with lower healthcare costs. A global comparison study found that a 15-minute doctor visit averages $104 USD in the U.S. but just $3.41 USD in Venezuela.
For patients open to virtual care, telemedicine often bypasses these location-based differences, connecting them directly to specialists at competitive rates.
C. Consultation Format and Duration
Not all consultations are structured the same way, and the format often determines the price.
▪ Standard sessions are typically shorter and focus on reviewing medical history and symptoms.
▪ Comprehensive evaluations or diagnostic reviews, such as reviewing extensive imaging or lab reports, can cost more due to the time required.
▪ Some providers also offer written medical reports or follow-up summaries for an additional fee.
Virtual consultations tend to have lower session fees compared to in-person visits, but longer or more detailed appointments — like multidisciplinary case reviews — may still increase total costs.
D. Urgency and Availability
How quickly you need to be seen can directly affect the price you pay.
▪ Same-day or next-day appointments often come with premium pricing, especially for specialist care.
▪ After-hours or weekend consultations typically cost more because of provider availability.
▪ Emergency consultations, particularly in private urgent care settings, may include added fees or surcharges.
Patients frustrated by long wait times in public healthcare systems often choose private consultations for faster access. For example, CBC reports that in Canada, patients can wait several months to see a specialist through traditional channels, prompting more people to explore private and virtual options.
When booking a private consultation, the session fee is only part of the picture. Patients are often surprised by additional charges that may appear before, during, or after their visit. Knowing what to expect can help you budget effectively and avoid unexpected bills.
Administrative and Booking Fees
Some private clinics add administrative fees for booking, medical record handling, or membership programs. These charges are often small but can add up over multiple visits.
Diagnostic Tests and Imaging
Consultation fees typically cover only the appointment itself. If your doctor recommends additional tests — such as blood work, X-rays, CT scans, or MRIs — expect separate charges. Costs can vary significantly between providers and regions.
Follow-Up Appointment Costs
For complex cases, follow-up consultations are common and may not be included in the initial fee. While some clinics offer discounted follow-up rates, others charge close to the same price as the first visit.
Medical Report and Documentation Fees
Patients often request detailed written reports, especially when seeking a second opinion or sharing information with another provider. Some clinics include these in the consultation price, while others charge extra.
International Consultations and Currency Exchange
Patients exploring international virtual consultations should consider currency exchange rates and potential transaction fees. For example, an online second opinion with a U.S. hospital may cost $700 USD, which could be higher in Canadian dollars depending on exchange rates.
How to Avoid Surprises
One of the best ways to prepare is by requesting a detailed cost estimate in advance. Clinics like the Mayo Clinic offer online price estimation tools, helping patients understand potential expenses before committing.
Private medical consultations can feel expensive, but insurance coverage and flexible payment options can make them more manageable. Understanding how your provider handles billing upfront can help you avoid unexpected costs later.
Private Health Insurance Coverage
▪ Whether your private consultation is covered depends on your health insurance plan and the type of provider you choose.
▪ Some private consultations are fully covered, especially for specialists within your insurer’s network.
▪ Out-of-network specialists may still be partially reimbursed but could require higher out-of-pocket payments.
▪ Virtual consultations are increasingly being added to insurance plans, especially for primary care and follow-ups.
If you’re unsure, check your insurer’s provider directory or call ahead before booking an appointment.
Direct Pay vs. Reimbursement Models
▪ Many private clinics operate on a direct-pay basis, meaning you pay upfront and request reimbursement later if eligible.
▪ Direct-pay clinics may provide an itemized invoice to submit to your insurer.
▪ Reimbursement times vary — some providers process claims quickly, while others can take weeks.
▪ For international consultations, confirm whether your insurer covers out-of-country services before booking.
Using Health Spending Accounts and HSAs
▪ For patients in Canada and the U.S., Health Spending Accounts (HSAs) or Flexible Spending Accounts (FSAs) can help offset private consultation costs. These accounts use pre-tax dollars, which can reduce your overall expenses.
▪ Check with your employer or benefits provider to see if your plan includes these options and whether they cover private or virtual consultations.
Payment Plans and Bundled Services
▪ Some clinics offer flexible payment options to make private consultations more affordable.
▪ Installment payment plans are common for expensive procedures or multi-session treatments.
▪ Bundled consultation packages, often available at executive health clinics, include multiple visits, imaging, and ongoing care for a set price.
▪ Discounts may be available for booking follow-up consultations or multiple appointments in advance.
Being proactive about discussing payment plans can prevent surprises and make budgeting easier.
Private medical consultations aren’t just about paying for access — they’re about paying for clarity, time, and peace of mind. While the upfront costs can feel high, the long-term benefits often outweigh them, especially when you consider how delays in care can impact your health, productivity, and overall well-being.
A. Time Value Considerations
▪ Long wait times can cost more than just frustration. For many patients, the delay in seeing a specialist affects work, family life, and treatment outcomes.
▪ Faster access to care can reduce time off work and avoid extended sick leave.
▪ Early consultations may prevent minor conditions from becoming serious, helping avoid future medical expenses.
▪ For Canadians, where specialist wait times can stretch for months, private or virtual consultations can bridge critical gaps in care.
When time-sensitive conditions are involved, the cost of waiting can often exceed the cost of a private appointment.
B. Peace of Mind and Better Outcomes
▪ Beyond faster scheduling, private consultations often give patients the opportunity to spend more time with specialists, ask detailed questions, and get personalized explanations.
▪ Access to top specialists worldwide means broader perspectives on diagnosis and treatment.
▪ Longer consultation times allow for in-depth discussions that aren’t always possible in public systems.
▪ Patients report higher satisfaction when receiving second opinions from global experts, especially for complex conditions like oncology or cardiology.
Sometimes, the value isn’t just in finding a better treatment — it’s in feeling confident about the care you’re receiving.
C. Avoiding the Costs of Delayed Diagnosis
▪ Delays in testing or diagnosis can lead to more complex, invasive, and expensive treatments later on.
▪ Choosing a private or virtual consultation can help detect problems earlier, when treatment options are simpler and less costly.
▪ Faster access provides quicker referrals to imaging, labs, or specialists when needed.
▪ Reducing the risk of prolonged uncertainty also minimizes mental and emotional costs.
Private healthcare doesn’t always have to mean high costs. With the right approach, patients can find affordable options without sacrificing quality. Whether you’re looking for a one-time consultation, a second opinion, or ongoing care, there are strategies to help manage expenses while still accessing expert medical advice.
Compare Prices Across Providers
▪ Costs for the same type of consultation can vary significantly between clinics, specialists, and regions.
▪ Use provider websites to review published fee schedules or request estimates directly.
▪ Comparison tools, like the Private Healthcare Information Network (PHIN), can help patients in the UK and other regions understand average costs.
▪ For Canadians, many private clinics list pricing openly online, making it easier to identify transparent providers.
Consider Telemedicine for Lower Costs
▪ Virtual consultations often cost less than in-person visits, making them an excellent option for non-emergency concerns.
▪ Platforms offering telemedicine services provide significant savings while maintaining access to licensed specialists.
▪ Telehealth is particularly helpful for follow-up visits, prescription renewals, or reviewing test results.
▪ Many insurers now include virtual care as part of standard coverage, further reducing out-of-pocket expenses.
Look for Transparent Pricing Models
▪ Choosing providers who are upfront about their fees can prevent unexpected charges later.
▪ Executive health clinics often publish package prices that include consultations, imaging, and follow-ups.
▪ Some providers offer bundled packages where multiple services are included for one set fee, avoiding hidden costs.
▪ Request a written cost estimate before booking to understand all potential expenses.
Explore International and Cross-Border Options
▪ For some patients, seeking consultations from specialists outside their home country can reduce costs.
▪ International second-opinion services often connect patients with world-class doctors at competitive rates.
▪ Platforms offering virtual second opinions provide access to specialists globally without the need for travel.
▪ Currency exchange rates can affect total costs, so confirming estimates in your preferred currency is important before booking.
Ask About Discounts and Bundled Services
▪ Providers may offer lower prices in specific situations.
▪ Reduced fees for booking multiple consultations upfront.
▪ Discounted follow-up appointments after an initial assessment.
▪ Family packages for patients seeking care for multiple household members.
Being proactive about asking can reveal savings that aren’t always advertised.
