I'm not sure about "owe," but I think it can help. The one time my current T has canceled on me, he said it was because he hurt his back and had to get it checked out. That made me understand and feel it wasn't anything personal (helped that he was able to reschedule me 2 days later).

Many of you know about my marriage counselor's many cancellations, which I later learned were usually due to his wife's illness, then passing. But many of those cancellations came without explanation--just the receptionist calling to say he wasn't able to come in that day. Maybe "family emergency" was used a couple times, but I'm pretty sure there were some without any explanation. And that was difficult. Yes, I understand he would have wanted to not disclose everything that was going on...but to at least let us know it was a family health issue. Or something to let us know it wasn't anything to do with me/us, particularly once he knew I was dealing with transference. It put me in a place where I never felt like sessions were actually going to happen until we were in the waiting room--even then, one time, we went back there, he said an "urgency" had come up, and he could only keep us 20 minutes (he didn't charge us). Had I know early on he was dealing with a family member's health issue--even if he didn't disclose who--I think that would have helped. Or maybe not, I don't know...whatever the reason, frequent cancellations within 24 hours of session are difficult...