BPA
Canada Life (formerly Great West Life)
Canadian Construction Workers Union (CCWU)
Chamber of Commerce Group Insurance Plan CINUP (Johnson Group)
Claim Secure Cowan Insurance Group (Express Scripts Canada)
D.A. Townley
Desjardins Insurance
Empire Life First Canadian (Johnson Group)
GMS Carriers 49 & 50 (Express Scripts Canada)
GreenShield Canada GroupHEALTH
GroupSource Industrial Alliance Insurance & Financial Services
Johnston Group Inc.
Johnson Inc.
LiUNA Local 183
LiUNA Local 506
Manion Manulife Financial Maximum Benefit or Johnson Group
Medavie Blue Cross Pacific Blue Cross
SSQ Insurance Sun Life Financial
Telus AdjudiCareer

No, it is not required but typically only the area being treated only needs to be exposed. Some treatment modalities are more effective on direct skin.

insomnia jaw pain/TMJ
knee injury
Low Back Pain
lymphatic disorders
multiple sclerosis
muscle spasms/ strain
rehabilitation
muscular dystrophy
neck pain/ torticollis
neuralgia / neuritis
osteoarthritis/ rheumatoid arthritis
osteoporosis
palliative care paralysis
parkinsons
pes planus
plantar fasciitis
poliomyelitis & post polio syndrome
postural disorders / scoliosis
pregnancy discomforts/ pre and post natal
pre / post-surgical and post-injury rehabilitation
period pain/ dysmenorrhoea/ dysmenorrhea
prevention/ lessening of fibrosis
raynaud’s disease
relaxation
relief of pain
repetitive strain injuries
respiratory problems (such as asthma, bronchitis and emphysema)
scars
sciatica/ neuralgia
spastic paralysis
sports injuries sprains/strains / ligament
joint athletic injuries
stiff joints
stress related disorders
tendonitis/ bursitis/neuritis
thoracic outlet syndrome
whiplash disorders WAD

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