Physiotherapy Insurance

Get private health insurance with physiotherapy cover. We compare policies from all UK providers to help you get back on your feet.

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:

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.

Cancer insurance FAQs

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.

Private health insurance cover options

Inpatient & Outpatient

Inpatient cover applies to treatment requiring an overnight hospital bed, while outpatient is for tests and consultations where a bed isn’t necessary.

Private GP

Avoid long NHS waiting lists, and instead see a private GP at your convenience.

Mental Health

Mental health insurance can cover a range of conditions, such as anxiety, depression, PTSD, and substance abuse.


Receive private physiotherapy treatment to get back on the move as quickly as possible.


Cancer cover lets you skip NHS waiting lists and even access drugs and procedures only available to private patients.


Learn about some of the additional benefits you can add to a private health insurance policy.

Types of health insurance

Whether you want to protect your family, your business or yourself, we can find the policy for you. Choose from any of the private health insurance options below:


Discover what the benefits are of having your own private health insurance policy.


Ensure your loved one's are protected and get the chance to receive quick treatment.


Private health insurance plans that are there to cover both you and your partner.


Find out more about private health insurance for your child or children.

Over 50s

Keep doing the things you love with health insurance that will allow quick treatment.


Keep your employees happy and healthy with a private medical insurance plan.