Covering the cost with medical insurance.
I use my private Insurance for Physio - what I did was saw my GP and had a referal to the Knee Sports Injury Specialist. He then assessed my injury ( and it fitted one of the strict criteria for policy cover) and referred me to Physio. All this came out of my oupatient allowance, but be carefull with the rates that are charged since outpatient allowance will soon be eaten up.
Not sure if existing conditions will be treated, and also I'm pretty sure that wear and tear etc will not be covered. With my case the physio had to be associated to a new injury / illness that occured after the policy started, and the physio had to be a treatment rather than rehabilitaion.
I would suggest you read your policy small print and good luck!
You might get away with this for a year (subject to the conditionsthat Anny has mentioned), but I suspect that the cost would increase astronomically after that!
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