Ending your Physio Check membership made easy

About Physio Check

Physio Check is a UK-based physiotherapy assessment and treatment service that connects patients with qualified physiotherapists for musculoskeletal evaluations and ongoing care. The service operates through a network of clinics and practitioners across the United Kingdom, offering both face-to-face consultations and remote assessments for various physical conditions including back pain, sports injuries, joint problems, and post-operative rehabilitation.

What sets Physio Check apart from traditional NHS physiotherapy is the speed of access and flexibility of appointments. Rather than waiting weeks or months for an NHS referral, patients can typically book appointments within days. The service caters primarily to individuals with private health insurance, self-paying patients, and those referred through occupational health schemes or workplace wellness programmes.

Most importantly, Physio Check operates on a subscription or package-based model rather than simple pay-per-session arrangements. This means many users find themselves enrolled in ongoing payment plans that continue until formally cancelled. Understanding how these arrangements work is crucial before you sign up, and even more critical when you decide to leave.

The service has expanded significantly in recent years, partnering with various insurance providers and corporate wellness schemes. This growth has brought convenience to thousands of patients, but it has also meant that cancellation processes have become more structured and formal. Keep in mind that you're not simply cancelling an appointment—you're terminating a contractual agreement that likely has specific notice periods and requirements.

Plans, features and pricing

Physio Check offers several different service models depending on how you've accessed their care. Understanding which arrangement you're enrolled in is the first step toward a smooth cancellation process, so take a moment to review your paperwork or confirmation emails before proceeding.

Individual assessment packages

The most straightforward option is the single assessment package, where you pay for an initial consultation and any follow-up sessions are booked and paid for separately. These typically range from £60 to £95 for an initial assessment, with follow-up sessions costing between £45 and £70. If you're on this arrangement, you don't technically have a subscription to cancel—you simply stop booking appointments.

However, some patients are enrolled in multi-session packages where you've pre-paid for a block of treatments. These might include four, six, or eight sessions paid upfront at a discounted rate. The cancellation implications here are different because you've already paid, and you'll need to understand the refund policy for unused sessions.

Monthly subscription plans

This is where most cancellation queries arise. Some Physio Check arrangements operate as monthly subscriptions, particularly those linked to corporate wellness schemes or insurance providers. These plans typically include:

• Unlimited or capped physiotherapy assessments per year
• Access to online exercise programmes and resources
• Telephone or video consultation options
• Priority booking at partner clinics
• Monthly fees ranging from £25 to £75 depending on coverage level

Additionally, some insurance-backed arrangements involve Physio Check as part of a broader health cash plan. In these cases, you might be paying a monthly premium to an insurance company, with Physio Check being just one benefit. Cancelling Physio Check alone might not be possible—you may need to cancel the entire insurance plan.

Corporate and occupational health schemes

If your employer arranged your Physio Check access, the payment structure works differently. Your company might pay directly, or costs might be deducted from your salary. Cancellation in these situations often requires coordination between you, your employer's HR department, and Physio Check. The notice periods can be longer, and you'll need to follow your company's internal procedures as well as Physio Check's requirements.

Common reasons people cancel

From processing thousands of cancellations, I've seen consistent patterns in why people leave Physio Check. Understanding these can help you articulate your own reasons if required, though you're rarely obligated to explain your decision.

Financial considerations top the list. Monthly subscription fees add up, and when household budgets tighten, health services that aren't immediately necessary often get cut. Many people sign up during an acute injury phase, then continue paying long after they've recovered simply because they haven't gotten around to cancelling.

Others find the service doesn't meet their expectations. Perhaps the available appointment times don't suit your schedule, or the nearest participating clinic is further away than convenient. Some patients discover their condition requires specialist treatment that Physio Check doesn't provide, leading them to seek care elsewhere.

Insurance changes are another major factor. If you lose private health coverage, change jobs, or your insurer stops working with Physio Check, continuing the service might no longer make financial sense. Similarly, some people gain access to better NHS physiotherapy or find alternative providers with more suitable arrangements.

Terms of service and cancellation policy

Before you send any cancellation letter, you absolutely must review the specific terms and conditions that apply to your agreement. These documents contain crucial information about notice periods, refund eligibility, and the exact cancellation procedure you're required to follow.

Standard notice periods

Most Physio Check subscription arrangements require at least 30 days' written notice before cancellation takes effect. This means if you send your cancellation letter on the 15th of January, your subscription will likely continue until mid-February, and you'll be charged for that period. Keep in mind that "written notice" specifically means a physical letter or sometimes email—verbal cancellation requests made during appointments typically don't count.

Some agreements, particularly those linked to corporate schemes or annual contracts, may require longer notice periods of 60 or even 90 days. This is why reviewing your paperwork first is absolutely essential. I've seen countless cases where people assumed they could cancel immediately, only to face additional charges because they didn't provide adequate notice.

Refund policies for pre-paid packages

If you've purchased a multi-session package but haven't used all your appointments, the refund situation depends on your specific terms. Many agreements allow refunds for unused sessions minus an administrative fee, but only if you cancel within a certain timeframe—often within three to six months of purchase.

Most importantly, some packages are explicitly non-refundable once the first session has been attended. This is particularly common with discounted bundles where you've received a lower per-session rate in exchange for committing to multiple appointments. The terms should clearly state whether unused sessions can be refunded, transferred to another person, or simply forfeited.

UK consumer rights and cooling-off periods

Under the Consumer Contracts Regulations 2013, UK consumers have specific rights when purchasing services remotely (online, by phone, or by post). If you signed up for Physio Check without visiting a physical location first, you typically have 14 days from the date of contract to cancel without penalty—this is your cooling-off period.

However, this right doesn't apply if you've already received and used the service during those 14 days, unless you specifically requested immediate service start. Additionally, if you signed up in person at a clinic or through your employer, the cooling-off period might not apply at all. These nuances matter significantly if you're trying to cancel shortly after joining.

Direct Debit protections

If you pay via Direct Debit, you're protected by the Direct Debit Guarantee. This means you can cancel the Direct Debit instruction through your bank at any time. However—and this is crucial—cancelling the payment method doesn't cancel your contract with Physio Check. You'll still legally owe the money, and the company can pursue payment through other means or refer the debt to collection agencies.

The proper sequence is always: cancel the service first according to their terms, wait for written confirmation that your cancellation has been processed and your final payment date, then cancel the Direct Debit after that final payment has been taken. Doing it backwards creates complications that take months to resolve.

Cancelling by post - the complete guide

Postal cancellation is the most reliable method for terminating your Physio Check arrangement, and in many cases, it's actually required by the terms of service. Let me walk you through exactly why this matters and how to do it properly.

Why postal cancellation is your best option

After handling thousands of subscription cancellations across various industries, I can tell you with absolute certainty that postal cancellation with proof of delivery provides the strongest legal protection. Here's why this matters specifically for health services like Physio Check.

First, you create an undeniable paper trail. When you send a letter via Royal Mail Tracked or Signed For service, you receive proof that your cancellation request was delivered on a specific date. This matters enormously if there's any dispute about when you gave notice or whether you gave notice at all. I've seen countless cases where people claimed they cancelled by phone or email, only to face continued charges because the company had no record of the request.

Next, a formal letter forces you to include all necessary information in one place. When cancelling by phone, it's easy to forget crucial details like your membership number, date of birth for verification, or the specific service you're cancelling if you have multiple arrangements. A letter lets you carefully compile everything needed for successful processing.

Additionally, postal cancellation provides legal weight that other methods sometimes lack. Under UK contract law, written notice sent to a company's registered address is considered properly served even if internal administrative errors prevent it from reaching the right department. This protection doesn't necessarily apply to emails sent to generic customer service addresses or information shared during phone calls.

Most importantly, you maintain control of the process timeline. With phone cancellations, you're dependent on the agent correctly entering your request into their system. With email, you're hoping it doesn't end up in spam folders or get overlooked in busy inboxes. A tracked letter arrives, gets signed for, and the delivery date is recorded independently by Royal Mail.

What information your letter must include

Your cancellation letter needs to be clear, complete, and unambiguous. Based on thousands of successful cancellations, here are the essential elements that must appear in your letter:

Start with your full name exactly as it appears on your Physio Check account, along with your date of birth. Many health services use date of birth as a key identifier, so including it prevents confusion if there are multiple members with similar names. Add your membership or account number if you have one—this is usually found on appointment confirmation emails, invoices, or any membership cards you received.

Include your complete contact details: full address, phone number, and email address. Even though you're cancelling, you want them to be able to reach you if there are any questions about final payments or refunds. This also helps them locate your account if there are any database issues with your membership number.

State your cancellation request explicitly and unambiguously. Use clear language like "I am writing to cancel my Physio Check subscription with immediate effect" or "Please accept this letter as formal notice of my intention to cancel my Physio Check membership." Don't be vague or apologetic—be direct and clear about what you want.

Specify the effective date you want the cancellation to take effect, while acknowledging any required notice period. For example: "I understand that 30 days' notice is required, so I expect my final payment to be taken on [date] and my membership to end on [date]." This shows you've read the terms and have realistic expectations.

Request written confirmation of your cancellation. Ask them to confirm the cancellation in writing, specify your final payment date, and confirm that no further charges will be taken. This creates an expectation of response and gives you grounds to follow up if you don't receive confirmation within a reasonable timeframe.

If you have unused pre-paid sessions or believe you're entitled to a refund, mention this clearly and request information about the refund process and timeline. Reference the specific terms in your contract that support your refund request if possible.

Where to send your cancellation letter

Sending your letter to the correct address is absolutely critical. Letters sent to the wrong location can delay processing by weeks or even be considered invalid notice. Always check your contract documents or the Physio Check website for their official correspondence address, as this can change over time.

The address should be clearly written on the envelope and referenced in your letter. When you find the correct postal address for Physio Check, format it properly:

• Physio Check registered office or customer service address as specified in your terms
• Include all address lines exactly as provided
• Ensure the postcode is correct and clearly written

Unfortunately, I cannot provide the specific current address here as it may change, and using an outdated address could invalidate your cancellation notice. Check your most recent correspondence from Physio Check, review your contract documents, or visit their official website for the correct postal address. If you're using a corporate scheme, your HR department might also have this information.

Choosing the right postal service

Never send a cancellation letter by standard post. The small additional cost for tracked delivery is worth every penny for the protection it provides. Here are your best options:

Royal Mail Signed For (£2.20 for 1st Class, £1.85 for 2nd Class) provides proof of delivery with a signature. You can track the item online and see exactly when it was delivered and who signed for it. This is my minimum recommended service level for any cancellation letter.

Royal Mail Tracked 24 or Tracked 48 (from £3.35) offers similar benefits with more detailed tracking updates throughout the delivery journey. You'll receive notifications when the item is out for delivery and when it's been delivered.

For maximum security, particularly if you're cancelling a high-value contract or there's already been dispute with the company, consider Royal Mail Special Delivery Guaranteed (from £6.85). This provides next-day delivery with full tracking, signature on delivery, and compensation up to £500 if the item is lost. It's overkill for most situations, but valuable peace of mind for complicated cancellations.

Keep your proof of postage receipt and tracking number safe. Take a photo of it with your phone and save it to cloud storage. Note the tracking number in your calendar or a spreadsheet where you're tracking the cancellation. You'll need this if you have to prove when you sent the letter.

Using Postclic for efficient cancellation

If the process of drafting a formal letter, printing it, finding an envelope, and visiting the post office feels overwhelming, services like Postclic can streamline the entire process. Postclic allows you to create, send, and track cancellation letters entirely online, which is particularly useful if you're busy, don't have easy access to printing facilities, or simply want to ensure professional formatting.

The service handles the printing, envelope preparation, and posting on your behalf, sending letters via Royal Mail Tracked services so you still get the proof of delivery that's so crucial for cancellations. Everything is done digitally from your computer or phone, and you receive the same tracking information you'd get if you posted the letter yourself.

Additionally, Postclic maintains a digital record of exactly what you sent and when, which can be valuable if you need to reference your cancellation months or even years later. The professional formatting also ensures your letter looks official and includes all necessary elements, reducing the chance of processing delays due to missing information.

While there's a small fee for the service, many people find the time savings and peace of mind worth the cost, particularly if they're cancelling multiple subscriptions or dealing with a company that has a reputation for making cancellation difficult.

Timeline and what to expect

Once you've posted your cancellation letter, here's the typical timeline you should expect. First, your letter will be delivered within one to two working days if sent via Tracked 24, or within two to three days with Signed For services. Check your tracking information to confirm delivery and note the date—this is when your notice period officially begins.

Next, allow five to ten working days for Physio Check to process your cancellation internally. During this time, your letter needs to reach the right department, be logged in their system, and be actioned by the appropriate staff member. Large organizations can be slow, so patience here is important.

You should receive written confirmation of your cancellation within two weeks of delivery. This confirmation should specify your final payment date and confirm that no further charges will be taken. If you haven't received anything after 15 working days, it's time to follow up.

Most importantly, keep monitoring your bank account. Your final payment should be taken on the date specified in your confirmation letter (or 30 days after your letter was delivered if you haven't received confirmation). If any charges are taken after this date, you have grounds to dispute them through your bank's chargeback process.

Following up if you don't receive confirmation

If two weeks have passed since delivery and you've heard nothing, don't just wait and hope. Send a follow-up letter referencing your original cancellation, including the date it was delivered and the Royal Mail tracking number. State that you're concerned you haven't received confirmation and request immediate written response.

Additionally, you can contact their customer service by phone or email, but always reference your postal cancellation. Say something like: "I sent a formal cancellation letter by Royal Mail Signed For on [date], tracking number [number], which was delivered and signed for on [date]. I haven't received confirmation and need this resolved immediately."

Keep copies of all follow-up correspondence. If the situation escalates to a formal complaint or dispute, you'll need to demonstrate that you made reasonable efforts to resolve the matter. This paper trail becomes your evidence if you eventually need to involve your bank or a consumer protection organization.

Tips from former members

Having processed thousands of Physio Check cancellations and spoken with numerous former members, I've gathered practical insights that can make your cancellation experience smoother and help you avoid common pitfalls.

Start the process earlier than you think necessary

The single most common mistake is waiting until the last minute to cancel. If you know you want to leave, send your letter immediately rather than waiting until the end of your current billing cycle. Remember that most agreements require 30 days' notice, which means you're already committed to another month of payments from the day you send your letter.

Many people think they'll save money by timing their cancellation perfectly, but this often backfires. Life gets busy, you forget to send the letter, and suddenly you've paid for another month you didn't intend to. Start early and accept that you might pay for a few weeks you don't use—it's better than paying for months because you procrastinated.

Take photos of everything

Before you seal your cancellation letter in the envelope, photograph every page. Take clear photos of the envelope showing the address and your return address. Photograph your proof of postage receipt from the post office. Screenshot the tracking information showing delivery. This takes two minutes but provides invaluable evidence if disputes arise later.

Store these photos somewhere you won't lose them—email them to yourself, save them to cloud storage, or create a dedicated folder on your phone. Former members have told me countless times that having this documentation saved them when companies claimed they never received cancellation letters or when banks needed proof for chargeback disputes.

Check your contract for hidden continuation clauses

Some Physio Check arrangements, particularly those linked to insurance plans or corporate schemes, automatically renew for fixed periods unless cancelled within specific windows. For example, you might have signed up for a 12-month contract that automatically renews for another 12 months unless you cancel during a 30-day window before the renewal date.

These clauses can trap you into another year of payments even if you send a cancellation letter, because you missed the designated cancellation period. Read your terms carefully to identify any renewal dates and required cancellation windows. Set calendar reminders well in advance if you're approaching a renewal period.

Don't cancel your Direct Debit prematurely

I cannot stress this enough: do not cancel your Direct Debit until after your final payment has been taken and you have written confirmation that your membership has ended. Cancelling the Direct Debit before properly cancelling the service creates enormous complications.

Former members who made this mistake report being pursued by debt collection agencies, having their credit ratings affected, and spending months trying to resolve the situation. The company considers you in breach of contract if you stop payments without properly cancelling, and they're within their rights to pursue the money owed plus additional fees.

The correct sequence is always: send cancellation letter, receive written confirmation with final payment date, wait for final payment to clear your account, then cancel the Direct Debit if you wish. Many people leave the Direct Debit in place even after cancellation in case any final adjustments or refunds need to be processed.

Request refunds in writing within your cancellation letter

If you believe you're entitled to a refund for unused sessions or pro-rated subscription fees, don't assume this will happen automatically. Explicitly request the refund in your cancellation letter, reference the specific terms that entitle you to it, and ask for confirmation of the refund amount and expected timeline.

Former members report that refunds mentioned in cancellation letters are processed much more reliably than those requested separately afterwards. Once your account is closed, getting anyone to revisit refund questions becomes significantly harder. Handle everything in one comprehensive cancellation letter rather than multiple back-and-forth communications.

Be prepared for retention attempts

Some members report receiving phone calls or emails after sending cancellation letters, with offers of discounted rates, paused memberships, or other incentives to stay. These retention attempts are standard business practice, but you're under no obligation to engage with them.

If you're certain about cancelling, politely but firmly decline any offers and confirm that you want your cancellation processed as requested. Don't let retention staff convince you that you need to cancel through them by phone—your written cancellation is valid and sufficient. Simply thank them for the offer, decline, and ask them to confirm your cancellation will proceed as requested in your letter.

Monitor your account for three months after cancellation

Don't assume everything is resolved the moment your final payment is taken. Continue monitoring your bank account for at least three months afterwards to ensure no additional charges appear. Billing system errors do happen, and catching them early makes resolution much easier.

If any unexpected charges appear, contact your bank immediately to dispute them. Provide your cancellation letter, proof of delivery, confirmation from Physio Check, and evidence that you've fulfilled all contractual obligations. Under the Direct Debit Guarantee and chargeback rules, your bank can reverse unauthorized payments, but acting quickly strengthens your case.

Keep all documentation for at least 12 months

Finally, don't delete or throw away any cancellation-related documents for at least a year after your membership ends. This includes your cancellation letter copy, proof of postage, tracking information, confirmation from Physio Check, and records of your final payment. Former members have needed this documentation months later when dealing with billing disputes, credit report issues, or even tax queries related to health expenses.

Create a dedicated folder—physical or digital—labeled with the cancellation date and keep everything together. It seems excessive, but the peace of mind of having complete documentation available if needed is worth the minimal effort of keeping these records organized and accessible.