Don’t Let Your Health Benefits Expire: Use Them Before December 31 - In-Home Physiotherapy

Instacure Wellness
Dec 23, 2025
2 min read

As the year comes to an end, many people don’t realize that their extended healthcare benefits reset or expire on December 31. That means if you haven’t used your physiotherapy coverage yet, you could be leaving hundreds of dollars unused — money you’ve already paid for.

If pain, stiffness, or limited mobility has been slowing you down, now is the perfect time to book an in-home physiotherapy session and use your benefits before they’re gone.

What Are Extended Health Benefits — And Why Do They Expire?

Most extended health insurance plans (through work or private coverage) include physiotherapy benefits. These benefits:

Usually do not roll over to the next year
Reset on January 1
Are lost if unused

Once December 31 passes, unused coverage is gone — even if you needed care but didn’t find the time.

Signs You Should Book Physiotherapy Before Year-End

You don’t need severe pain to benefit from physiotherapy. Many people wait too long. You should consider booking if you’re experiencing:

Neck or shoulder pain from work or screen time
Lower back pain or stiffness
Knee or joint discomfort
Lingering pain from an old injury
Reduced mobility or flexibility
Pain that “comes and goes” but never fully disappears

Ignoring these signs now often leads to longer recovery times later.

No Doctor’s Referral Needed

One common misconception is that you need a doctor’s referral to see a physiotherapist.

You don’t.

You can book an in-home physiotherapy session directly, making it easier and faster to start treatment — especially during the busy holiday season.

Why In-Home Physiotherapy Makes It Easier to Use Your Benefits

December is hectic. Between work, family, shopping, and holiday plans, clinic visits often get pushed aside. That’s where in-home physiotherapy makes a real difference.

With InstaCure Wellness, you get:

Physiotherapy at your home
No driving or traffic
No waiting rooms
No missed work
Evening and weekend appointments available

Your physiotherapist comes to you — making it easier to prioritize your health before the year ends.

Don’t Wait Until January — Pain Rarely Fixes Itself

Many people plan to “deal with it in the new year,” but waiting often means:

Pain gets worse
Recovery takes longer
Benefits reset and must be paid out-of-pocket

Using your benefits now allows you to start healing sooner and enter the new year feeling stronger and more mobile.

Use It Before You Lose It

If you have extended healthcare benefits and haven’t used your physiotherapy coverage yet, this is your reminder. Once December 31 passes, unused benefits are gone.

Booking an in-home physiotherapy session now helps you: