Physiotherapy cost in New Zealand (2026)
Typical fees for physiotherapy across New Zealand, plus ACC, insurance and payment plan options.
Typical physiotherapy fees
Range: $70–$130 per visit.
Initial consultations typically run $80–$140 (longer than follow-ups). Many practices accept Southern Cross Easy-Claim and offer Q Card or Afterpay for extended treatment plans.
ACC cover
ACC covers most assessment and treatment costs when the issue results from an injury — typically you pay a $25–$45 surcharge per visit. ACC does not fund treatment for chronic conditions that aren't injury-related.
Private health insurance
Most major New Zealand insurers (Southern Cross, nib, Accuro, AIA) include allied-health and specialist cover that may apply to physiotherapy. Per-visit limits and total annual maximums vary by plan — review the schedule of benefits or speak to your insurer before booking.
Payment plans & financing
Many New Zealand physiotherapist practices accept Q Card, Afterpay, Gem Visa or in-house plans for treatment programmes. Interest-free periods are typically 6–24 months. Always confirm the total cost (including any administration fees) and the interest rate after the introductory period before signing — interest-bearing portions can add 12.95–29.95% if balances aren't cleared on time.
Physiotherapy cost by city
Compare local fees and book consultations:
Plan your physiotherapy treatment
Related care
Other health services frequently considered alongside physiotherapy:
Physiotherapy: questions
How much does physiotherapy cost in New Zealand?
Typical fees are $70–$130 per visit. Initial consultations typically run $80–$140 (longer than follow-ups). Many practices accept Southern Cross Easy-Claim and offer Q Card or Afterpay for extended treatment plans.
Is physiotherapy covered by ACC?
ACC covers most assessment and treatment costs when the issue results from an injury — typically you pay a $25–$45 surcharge per visit. ACC does not fund treatment for chronic conditions that aren't injury-related.
Are payment plans available?
Many New Zealand physiotherapist practices accept Q Card, Afterpay, Gem Visa or in-house payment plans for higher-cost treatment plans. Confirm interest rates and total cost before signing — interest-free periods vary by provider.
Does private health insurance cover physiotherapy?
Most major New Zealand insurers (Southern Cross, nib, Accuro, AIA) include allied-health and specialist cover that may apply to physiotherapy. Coverage and per-visit limits vary considerably by plan — check the schedule of benefits before booking.