Physiotherapy Insurance
Get private health insurance with physiotherapy cover. We compare policies from all UK providers to help you get back on your feet.
We provide free, no obligation advice on private health insurance. Give us a call on 01242 350071 or email [email protected] or use the contact form and we will get in touch with you within 10 mins during office hours.

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- Our service is completely free
- IF7 Qualified advisors
- We save on average 32% when switching cover.
- Your needs come first
- Tailored to your requirements
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Does Private Health
Insurance Include Physiotherapy?
Many private medical insurance providers cover physiotherapy to improve strength, flexibility, and movement in your muscles and joints after an injury or illness. This practice typically combines ‘hands-on’ treatments like joint mobilisation, manual therapy, massage and acupuncture with exercises and education for relieving pain and preventing injuries from reoccurring.
Physiotherapy insurance quickly secures the care you need to get moving again without worrying about lengthy NHS waiting lists. However, as all providers offer different levels of cover, it’s important to choose one that meets your personal requirements. That’s why we compare all UK insurance companies including AXA, Vitality and more to find you the best policy. Get a quote to start comparing or give us a call for free expert advice on physiotherapy insurance.
What Does Physiotherapy
Insurance Cover?
Every insurance provider covers different elements of physiotherapy, but these are some of the things you can expect to find in a policy:
- Face-to-face physiotherapy
- Virtual physiotherapy (e.g. live video calls and pre-recorded demonstration videos)
- Telephone assessments
- Personalised physiotherapy programmes
- Written resources to support musculoskeletal health
Bear in mind that there may also be some exclusions. For example, certain providers won’t offer treatment at your home or cover the costs of specialist equipment recommended by your physiotherapist, such as a TENS machine or orthotics. You will also need to check whether a potential insurer allows you to access any treatment you want to explore, like shockwave therapy. Get in touch to discuss your needs and get the most out of your physiotherapy insurance.
What is the Best
Physiotherapy Insurance?
As each individual has unique physiotherapy requirements, there isn’t a clear leader when it comes to insurance providers. What works for one person may not be as effective for you. And to avoid disappointment when making a claim, you must understand your policy inside out so you know what services you’re eligible for.
Instead of choosing the first company you find, or being swayed by the biggest name, let the team at Healthcare Clarity compare all your options. Whether you’re seeking insurance for the first time, or you’re switching provider, our experienced professionals are here to offer advice and answer your questions. We’ll make sure you have the very best physiotherapy cover, no matter how much you can afford to spend.
Physiotherapy Insurance FAQ's
If you are over the age of 18, many providers will allow you to add a partner to a joint private health insurance policy that includes physiotherapy cover. Please contact us for more information.
This depends on your provider. Some allow you to self-refer, but most will need you to be referred by your GP before proceeding. For this reason, it’s worth considering health insurance which includes private GP appointments, so you can bypass NHS waiting lists and see a doctor as soon as possible.
You will usually be able to choose where you want to be treated, enabling you to pick the most convenient location.
Why Switch Your
Private Health Insurance Provider?
Even if you already have private health insurance, there are many reasons why you should consider changing your provider:
By switching provider, you can:
- Save money — our clients save 32% on health insurance on average *
- Get better service than you’re currently receiving
- Improve the level of cover you can get for your money
- Access incentives — many providers offer discounts for switching
- Add additional covers you’re not currently being offered peace (in most cases)
* Findings are based on 49 clients, over the last 3 months who already had a live policy in place.
** a £50 voucher for M&S or John Lewis will be sent to you after switching to a policy we recommend once you paid your second monthly premium to your insurer.
** a £50 voucher for M&S or John Lewis will be sent to you after switching to a policy we recommend once you paid your second monthly premium to your insurer.

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Private Health Insurance Key Terms
We are here to help you understand the main concepts you’ll come
across in your private health insurance policy.
across in your private health insurance policy.