Not everyone requires a letter. Dr. McLean in Mississauga does not. Dr. Steinwald, in Colorado, says, " I generally do not require a letter from a therapist."
I know that not everyone agrees, but I really appreciated not having to bother with a letter. Nobody would have required a letter had I wanted augmentation or even a "reduction." But, true top surgery/chest masculinization? Oh, my. "Get thee to a therapist." Honestly, when I talked with a therapist about it last year he was so non-plussed I think he would have been puzzled as to why he even had to write. #rantoff
So, yes, there are folks out there - skilled, reputable folks - who do not require a letter. The question of insurance coverage is a different kettle of fish.