Is Whanganui covered from Palmerston North?
Often, for larger jobs — it is about an hour. For small ones you are usually better with somebody in Whanganui, and NovaPay asks there first when that is where the job is.
Does ACC cover physiotherapy?
For an injury, usually a good part of it. Physiotherapists can lodge an ACC claim themselves, so you do not need to see a GP first. There is normally still a surcharge you pay, and it varies between clinics, which is worth asking about up front.
Do I need a referral?
No. Physiotherapy is direct access in New Zealand, so you can book yourself in. A referral matters for some specialist or funded pathways, not for an ordinary injury.
How many sessions will I need?
Nobody can tell you honestly at the first call, and be wary of anyone who does. A physio should give you a rough range after assessing you, and revise it as you improve.
Physio, osteopath or chiropractor?
There is real overlap. Physiotherapy is the most commonly ACC-funded route for injury and rehabilitation, and tends to lead with exercise and loading. Describe the problem and see who says they can help.