Why Physiotherapy and Hydrotherapy Matter
Physiotherapy and hydrotherapy are increasingly used to help dogs recover from injuries, manage arthritis, improve mobility and build strength after surgery. These therapies can make a meaningful difference to long-term comfort and function, especially for older dogs or those with joint issues. Because sessions are often ongoing, many owners rely on pet insurance to help cover the costs. For readers comparing wider insurance options, our overview of Lifetime Pet Insurance UK 2025 explains how long-term conditions are supported.
Does Pet Insurance Cover Physiotherapy and Hydrotherapy?
Most UK pet insurance providers do cover physiotherapy and hydrotherapy, but not all policies include them by default. Cover is most commonly found in mid-range and comprehensive plans, especially lifetime policies. Cheaper plans, including some budget dog insurance options, may exclude these therapies entirely. To understand how lower-priced plans differ, see Cheap Dog Insurance UK 2025.
Which Policy Types Are Most Likely to Include This Cover?
Lifetime pet insurance typically offers the strongest support for physiotherapy and hydrotherapy. These treatments are often part of ongoing management for chronic issues such as arthritis, cruciate injuries or mobility loss, and lifetime limits refresh each year. For a closer look at how lifetime cover compares across the market, see Best Lifetime Pet Insurance UK 2025. By contrast, accident-only plans rarely include any form of rehabilitative therapy. More details on what is and isn’t included can be found in Accident-Only Pet Insurance UK 2025. Time-limited policies may include some treatment, but the cover ends 12 months after the condition is first claimed. You can learn more in Time-Limited Pet Insurance UK 2025.
Typical Costs of Physiotherapy and Hydrotherapy
Physiotherapy sessions typically cost around £35 to £60 each, depending on the clinic and location. Hydrotherapy can cost between £30 and £50 per session. Dogs with arthritis or mobility issues may need ongoing sessions across months or years, making comprehensive insurance extremely valuable. Owners planning for long-term care in later years may also find our guide to Pet Insurance for Older Dogs UK 2025 helpful when comparing treatment expectations.
What to Look for in a Policy
When choosing insurance that includes physiotherapy or hydrotherapy, it’s important to check whether these therapies sit inside the main vet fee limit or have their own sub-limit. Some insurers only cover sessions recommended by a vet or carried out by a registered practitioner. Others may require pre-authorisation before treatment. Considering the ongoing nature of these therapies, lifetime policies tend to offer the most reliable support, especially for dogs with mobility issues, chronic pain or age-related conditions. For additional rehabilitation insight, the PDSA and Blue Cross provide expert guidance.
FAQs – Does Pet Insurance Cover Physiotherapy and Hydrotherapy UK 2025
Is physiotherapy covered by pet insurance?
Many comprehensive and lifetime policies include physiotherapy, but budget and accident-only plans often exclude it.
Is hydrotherapy covered?
Yes, but usually in mid-range or higher-tier policies. Check whether it is included within the main vet fee limit or a separate allowance.
Do I need a vet referral?
Most insurers require a referral from your vet before authorising physiotherapy or hydrotherapy sessions.
How many sessions will insurance cover?
This depends on your policy limit. Some insurers provide a set number of sessions, while others cover treatment until the annual vet fee limit is reached.
Are these treatments suitable for older dogs?
Yes. Many older dogs benefit significantly from physiotherapy and hydrotherapy, especially for arthritis and joint stiffness.
Conclusion
Physiotherapy and hydrotherapy have become essential treatments for dogs recovering from injury or living with chronic mobility issues. While not all policies include them, comprehensive and lifetime plans usually offer the best support. By choosing a policy with strong coverage for rehabilitative therapies, owners can ensure their dog receives consistent, effective care throughout recovery and into later life.
