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Health insurance cover option

Private physiotherapy

Is physiotherapy covered by health insurance?

With our Priority Physiotherapy Network, you can receive expert care quickly through our partners, including Ascenti and IPRS Health. You’ll have access to over 9,750 accredited and peer reviewed physiotherapists, including 5,700 in-network physiotherapists at over 1,700 locations in the UK. Our physiotherapists take a holistic approach to guide you back to health, by assessing your individual situation, and providing personalised treatment, such as specific exercises to help relieve your daily pain and discomfort, and advice on how to avoid injuries reoccurring.


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All it takes is a few minutes to get a quote online.

If you want to protect your musculoskeletal health, or treat your symptoms, we can help. Log into Member Zone to visit our bones, joints and muscles hub for advice on self-care and treatment.

The advantages of being treated by our physiotherapy network:

  • When you go in-network, we pay for treatments in full without impacting on your Out-patient Cover limit.
  • We pay the physiotherapist directly.
  • You can self-refer - there’s no need to get a GP referral.
  • Your physiotherapist will manage your claim fully, so there’s no need to authorise further sessions with us.

How it works

If you need to make a claim, we arrange a phone assessment with one of our physiotherapy partners, which enables them to establish the most appropriate treatment plan for your specific needs, from one or more of the following:

Virtual rehabilitation

Suitable for minor injuries and to help you manage your recovery in your own time, as quickly and conveniently as possible.

Face-to-face treatment

If you’re referred for a face-to-face assessment or treatment sessions, your physiotherapist will assess your symptoms and recommend a treatment plan.

Follow-up treatment sessions

This is where your progress is monitored until you’re discharged.

Private physiotherapy FAQs

Here are a few of the questions we’ve answered for our members

Can I ask for a specific physiotherapist or clinic?

Yes. If you speak to an adviser from our panel, and they recommend face-to-face treatment, let them know you have a specific physiotherapist or clinic in mind. They’ll be able to confirm if the physiotherapist or clinic are part of our network.

Can I contact the panel directly?

We’ll take care of that for you, by arranging a phone assessment with an adviser from our physiotherapy panel - whether you submit a claim online, over the phone or via a Vitality GP. Our panel will then manage your claim and keep us up to date, so you don’t have to.

Do I have to use a physiotherapist from the network?

No, if you decide to use a physiotherapist outside the network we’ll cover up to £35 per session as long as the physiotherapist is recognised by us.  You’ll need to pay any invoices directly, submit them to us and we’ll reimburse you from your Out-patient Cover limit.

If you need further sessions after your initial number of authorised sessions, you must get a detailed medical report from your treating physiotherapist, so that we can assess if any more sessions are eligible under your plan. Without this, we may not pay for any more.

How is your network made-up?

In total across our networks, we have 9,750 registered physiotherapists to make sure you get convenient, quick access to treatment. This includes 5,700 in-network physiotherapists at over 1,700 locations in the UK (source: Vitality data, March 2022). Around 97% of referrals go through either Ascenti or IPRS (source: Vitality data, Jan-Dec 2021).

How quickly can I access care?

Whether you’re referred by a Vitality GP, submit a claim online or over the phone, our panel will receive your details as soon as your claim’s been approved. They’ll usually contact you the next working day or sooner.

Will I be offered a choice of physiotherapy clinics?

Yes, you’ll be able to choose the location that’s most convenient for you.

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Lines are open:
Monday to Thursday 9am-6pm, Friday 9am-5pm, Saturday 10am-2pm
Sunday and bank holidays: Closed


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