Is physiotherapy covered by pet insurance?
Most providers include or have the option to add-on physiotherapy to their policy. In most cases, this has to be carried out by a qualified therapist and has to be recommended by your vet.
Different insurance plans offer cover for different treatments and it is very important to check the policy details as the cover varied a lot. Shop around until you find a policy that’s best for you and your pet. Not having insurance means you may not be able to afford essential medical treatment if your pet becomes ill or injured.
Most of the insurers will include the amount covered In the total vet limit but all need to be recommended by a veterinary surgeon. Also most only cover registered physiotherapists including ACPAT physios. Please read the policy document and the policy wording before buying as these can change.
Below, we outline the most popular insurers and the number of physiotherapy sessions or amount covered.
What is the difference between lifetime pet insurance and maximum benefit cover?
Lifetime cover
New accidents and illnesses usually covered up to the specified financial limit in each policy term. If the limit is reached, the cover stops until the policy is renewed. At the renewal date the limit is fully reinstated.
12-month cover
New accidents and illnesses usually covered up to the specified financial limit for up to 12 months from the date the condition was first noticed by you or your vet. If the limit is reached within 12 months from the date the condition was first noticed, the condition becomes excluded. You get ongoing cover until the financial limit is reached or 12 months have passed from the date the condition was first noticed by you or your vet.
Maximum Benefit Cover
New accidents and illnesses are covered up to the specified financial limit for each separate condition. Once the financial limit is reached the condition is excluded. Ongoing cover is provided until the condition financial limit has been met.
Which pet insurance covers physiotherapy?
| Insurer | Amount covered | |
| Sainsbury’s Bank | £500-£1500 | depended on your level of cover as Part of overall vet fee limit |
| LV | 5-10 sessions | Depending on policy |
| Pet Plan | 10 sessions | |
| Bought by many | £500-2500 | Depending on policy |
| Waggel | £500-1000 | Depending on policy |
| Tesco | £500-1000 | Depending on policy |
| Insurance Emporium | To vet limit | hydrotherapy fees vary |
| Animal friends | £500 | |
| John lewis | £500-2000 | Depending on policy |
| Direct line | £40 per session | Max 15 |
| www.pet-insurance.co.uk | To vet limit | |
| Healthy pets | £400-750 | Depending on policy |
| Agria pet insurance | £1000- 2500 20 hydro | |
| Scratch and patch | £35 per session Up to £250-1000 | |
| Co-op | Plus covers physio and 10 hydro | Basic cover no physio covered |
| M&S | £500-1000 | |
| 4 Paws pet insurance | £1000-1500 | Standard cover physio not covered |
| Argos | Included in vet limit | |
| More than | £500- 1500 | Depending on policy |
| Pets in a Pickle | Included in vet limit | 5-10 hydro a year |
| Everypaw | £750- 1500 | Depending on policy |
| Puffin insurance | £1000 | All policies |
| ASDA | Included in vet limit | |
| Purely Pets | £500-1000 | Depending on policy |
| RSPCA pet insurance | £500- 1500 | Countersigned by vet Accident only policy no physio |
| PDSA | Included in vet limit | Depending on policy and approved prior. 5-10 sessions of hydrotherapy |
| Admiral | Included in vet limit | Depending on policy and approved prior. 5-10 sessions of hydrotherapy |
| Churchill | £1000 |
Correct as of June 2021.
If your insurance covers physiotherapy and you would like a free 10 minute consultation, get in touch now.
