Online-Therapy.com promo code THERAPY20, and what it really costs
You can get 20% off your first month of Online-Therapy.com. Here's how the discount works, what each plan costs before and after it, and what to check before you pay.
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The short answer
- First month: 20% off. Online-Therapy.com applies this automatically at checkout. Our partner code is THERAPY20.
- Price after the discount: from $48 a week for the first month (Basic plan), then $60 a week.
- Weekly live sessions start with the Standard plan: $72 a week for the first month, then $90.
- Billed monthly. Cancel any time. No direct insurance billing, but you get itemized receipts.
THERAPY20 Use code THERAPY20 for 20% off your first month
Visit Online-Therapy.com Paid link
How the 20% discount and THERAPY20 work
Online-Therapy.com's FAQ is clear: it says it doesn't issue promo codes or coupons. Instead, it currently applies a 20% discount to your first month automatically in its checkout. Its partner program also says people who join through a partner link get 20% off their first month.
THERAPY20 is the code we were given through that partner program. In practice:
- Go to Online-Therapy.com and answer the short sign-up questions.
- Pick a plan. At checkout, look for the 20% first-month discount on your total.
- If there's a code box and the discount isn't already showing, enter THERAPY20.
- Before you pay, check the first-month price matches the table below.
The discount only covers your first month. From your second billing date, you pay the regular price for your plan unless you get financial aid (more on that below). You can't stack it with other offers to get more than 20% off. Whatever happens, you shouldn't pay more than the regular rate.
Online-Therapy.com plans and prices
| Plan | Live sessions | First month (20% off) | After first month |
|---|---|---|---|
| Basic | None. Messaging and the therapy program only | $48/week | $60/week |
| Standard | One 45-minute session a week | $72/week | $90/week |
| Premium | Two 45-minute sessions a week | $96/week | $120/week |
| Couples | One 45-minute couples session a week | $96/week | $120/week |
Prices are shown per week but charged monthly. A month is a little over four weeks, so your monthly charge will be a bit more than four times the weekly price. The checkout page shows the exact amount before you pay. Online-Therapy.com also says it only offers monthly plans at the moment, so you can't prepay for longer at a lower rate.
What's included in every plan
According to Online-Therapy.com, every plan, Basic included, comes with:
- A dedicated therapist and unlimited messaging with them, Monday to Friday. It says replies usually come within 24 hours on weekdays.
- An 8-section program based on cognitive behavioral therapy (CBT), including 25 worksheets, with daily worksheet replies on weekdays.
- A journal, an activity plan, tests to track progress, and yoga and meditation videos.
On Standard, Premium and Couples, live sessions can be by video, voice or messaging, whichever you prefer. You book them from your dashboard, and they take place in your web browser. You can also use a nickname with your therapist if you'd like more privacy, though it asks for emergency contact details.
Which plan? Basic is the only plan without live sessions. If talking to someone in real time matters to you, Standard is the cheapest plan that includes it. You can upgrade or downgrade later.
How billing, cancelling and refunds work
- Recurring monthly charge. If you sign up on the 11th, your next charge is on the 11th of the next month, unless you cancel first.
- No minimum commitment. Online-Therapy.com says you can cancel any time from your subscription page and keep any days you've already paid for.
- Pause instead of cancel. When you click cancel, you're offered a 1 to 4 week pause. You aren't charged during the pause, and your renewal date moves back by the same amount.
- Refunds are case by case. You need to ask within 90 days of the charge. Sessions that took place, missed sessions, sessions cancelled less than 24 hours ahead, and messaging that already happened aren't refundable.
- How it shows on your statement. Card payments usually appear as "WWW.ONLINE-THERAPY.COM", and PayPal payments as "PAYPAL". It accepts major credit and debit cards and PayPal.
Insurance and other ways to cut the cost
Online-Therapy.com doesn't accept direct insurance payments. It gives you itemized receipts for every payment, which you can send to your insurer to ask for reimbursement. Ask your insurer whether it covers online therapy before you start, because plans vary a lot.
If cost is the main barrier, Online-Therapy.com says students, veterans and people on a low income can click "Apply for financial aid" at checkout. It says applications are processed automatically and, if you're approved, the new price shows straight away.
If you'd rather use your insurance directly, see Brightside on our therapy page. It says it accepts most major insurance plans.
Who Online-Therapy.com isn't for
- Anyone in crisis. Online-Therapy.com says that if you're having suicidal thoughts, or symptoms that seriously affect your safety or others', you should get help offline straight away and not use the site. In the US, call or text 988, or call 911 in an emergency.
- People who want medication. Its therapists can't prescribe. It suggests seeing a psychiatrist or your primary care provider.
- Under-18s on their own. It's built for adults. Teenagers need consent from both parents, sent by email, before starting.
- People who want insurance to pay up front. You pay first and claim afterwards, if your plan allows it.
Tips before you sign up
- Note your renewal date. The first-month discount ends on your second billing date.
- Start with the plan you'll actually use. You can upgrade if you want more live time.
- Ask your insurer about out-of-network reimbursement, and keep your receipts.
- Check whether your employer offers free therapy sessions through an Employee Assistance Program before you pay.
Get 20% off your first month Paid link
Frequently asked questions
Is there an Online-Therapy.com promo code?
Online-Therapy.com's own FAQ says it doesn't run promo codes or coupons. Instead, it applies a 20% discount to your first month automatically at checkout. THERAPY20 is the code tied to our partner link. If you see a code box and the 20% isn't already showing, enter it. The discount covers the first month only.
How much does Online-Therapy.com cost per month?
Prices are quoted per week and billed monthly. On October 24, 2026, the first month with 20% off was $48 a week for Basic, $72 for Standard and $96 for Premium or Couples. After that it was $60, $90 and $120 a week. Because a month is a little over four weeks, the monthly charge works out at a bit more than four times the weekly rate. Your checkout shows the exact amount.
Does Online-Therapy.com take insurance?
No. It doesn't accept direct insurance payments. It gives you itemized receipts, which you can send to your insurer to ask for reimbursement. Check with your insurer first, because coverage varies by plan.
Can I cancel Online-Therapy.com at any time?
Yes. Online-Therapy.com says there's no minimum commitment and you can cancel from your subscription page. You keep access for the days you've already paid for. You can also pause for 1 to 4 weeks instead of cancelling.
Do Online-Therapy.com therapists prescribe medication?
No. Its FAQ says its therapists can't prescribe medication. It suggests seeing a psychiatrist or your primary care provider if you think you need medication.
Can I get financial aid?
Online-Therapy.com says students, veterans and people on a low income can apply for financial aid at checkout by clicking "Apply for financial aid". It says applications are processed automatically.
Sources
All checked on October 24, 2026.