Which insurers document the strongest physiotherapy and therapies
Of the 4 insurers whose physiotherapy and therapies wording we hold, Saga and WPA include physiotherapy and therapies in the plan, with a stated limit — the strongest position on this benefit in our set. That is a fact about the documents, not a recommendation: the right policy for you depends on far more than one benefit.
| Insurer | Position | What the document says |
|---|---|---|
| Saga | In the plan, capped | Therapists' and acupuncturists' charges are covered up to £2,000 a year — a monetary cap rather than the session limits AXA Health and The Exeter apply. |
| WPA | In the plan, capped | Therapy cover is chosen at outset from five levels, including an unlimited option — the only unlimited therapy tier among the documents we hold. |
| AXA Health | Add-on | Physiotherapy, acupuncture, osteopathy and chiropractic are covered only under the optional Therapies Option, and capped at ten sessions a year on GP referral. |
| The Exeter | Add-on | Therapies are an optional add-on covering physiotherapy, chiropractic, osteopathy, acupuncture, podiatry, speech therapy, pain clinic and dietician — capped at two consultations. |
What makes physiotherapy and therapies strong
On physiotherapy and therapies, the wording that matters is whether the benefit sits in the core plan or an add-on, whether there is a cap, and whether a referral is needed before you can claim. A plan that includes it with no limit is worth more than one that names it but caps it low — which is why the fact that two policies both "cover" physiotherapy and therapies tells you very little on its own.
How to weigh it for you
The strongest wording on physiotherapy and therapies is not automatically the right policy. A plan that leads on it may cost more, carry a narrower hospital list, or cap something else you need. Weigh physiotherapy and therapies against the rest of the cover and the price rather than choosing on one line. This page reports what the documents say; it is not a personal recommendation — an FCA-authorised broker can advise for your circumstances. See the wording side by side in Physiotherapy and therapies compared across 4 UK insurers.
Get a quote matched to what you need
Get a free quote and a specialist broker will call you back to find which insurer fits your priorities on physiotherapy and therapies and everything else, at the best price for your circumstances — free, no obligation. See also how UK cover compares and the FCA-authorised broker list.
Sources
- Saga — Source: Your Policy Book — HealthPlan Super, Super 4 Week Wait & Super 6 Week Wait (May 2025), read 4 September 2026.
- WPA — Source: Private Medical Insurance — Insurance Product Information Document (Complete Health) (November 2025), read 4 September 2026.
- AXA Health — Source: Personal Health membership handbook, October 2024, read 4 September 2026.
- The Exeter — Source: Private Medical Insurance — Insurance Product Information Document (Health+) (October 2025), read 4 September 2026.