Gene Testing for Physical Therapy
Have you ever wondered why some people seem to bounce back from injuries faster than others, or why certain exercises work better for your friend than they do for you? As both a practicing physical therapist and someone who’s navigated my own recovery journey, I’ve witnessed firsthand how individual responses to exercise and rehabilitation can vary dramatically. The answer might just lie in our DNA.
Gene testing for physical therapy represents an exciting frontier where science meets personalized medicine, offering the potential to revolutionize how we approach exercise prescription and injury rehabilitation. While we’re still in the early stages of understanding how our genetic makeup influences our physical responses, the research is promising enough that many practitioners and patients are beginning to explore this innovative approach.
Let me take you through what I’ve learned about genetic testing in physical therapy, both from my clinical practice and personal experience. We’ll explore how your DNA might hold the keys to optimizing your exercise program, recovery strategies, and injury prevention protocols.
What Gene Testing for Physical Therapy Actually Means
When I first heard about genetic testing for exercise prescription, I’ll admit I was skeptical. It sounded like something straight out of science fiction. But as I dove deeper into the research and began working with patients who’d undergone genetic testing, I realized this field holds genuine promise, even if we’re not quite ready for widespread clinical application yet.
Gene testing for physical therapy involves analyzing specific genetic variants that influence how your body responds to exercise, recovers from workouts, and manages injury risk. Think of it as getting a genetic blueprint that reveals your body’s preferences and predispositions when it comes to physical activity and rehabilitation.
- Clinical Massage with Gloves: Sanitary Protocols, Allergy Prevention, and Techniques
- CAMTC Certification Guide: California Massage Therapy Council Application and Fees
- Cybex Testing in Rehabilitation: How Isokinetic Assessments Measure Muscle Strength
- Biodex Isokinetic Dynamometer Testing: Clinical Purpose, Cost, and Injury Assessment
- Massage Therapy Malpractice Insurance: Cost Comparison and Policy Exclusions
The process itself is remarkably simple. A quick saliva sample or cheek swab is all that’s needed to unlock insights about your muscle fiber composition, recovery patterns, inflammation responses, and injury susceptibility. Within a few weeks, you receive a detailed report that can inform everything from your exercise selection to your rest day scheduling.
During my years in clinical practice, I’ve seen patients struggle with rehabilitation programs that simply weren’t aligned with their body’s natural tendencies. One patient might thrive on high-intensity interval training while another needs longer, steady-state cardio sessions. Some individuals recover fully within 48 hours, while others need 72-96 hours between intense sessions. These differences aren’t just random – they often have genetic foundations.
The most commonly analyzed genes include ACTN3 (the “speed gene”), COL5A1 (collagen production), IL6 (inflammation response), and BDNF (brain-derived neurotrophic factor). Each of these genetic variants provides valuable information about how your body might respond to different types of physical therapy interventions and exercise protocols.
How Gene Testing Works in Your Physical Therapy Journey
The integration of genetic testing into physical therapy practice follows a systematic approach that I’ve refined over several years of working with genetically-informed rehabilitation protocols. Let me walk you through exactly how this process unfolds, from sample collection to program implementation.
Sample Collection and Laboratory Analysis
The journey begins with the simplest part – sample collection. Unlike blood draws that some patients find uncomfortable, genetic testing requires only a saliva sample or gentle cheek swab. I always tell my patients that it’s easier than brushing their teeth. The sample gets sent to specialized laboratories where technicians extract DNA and analyze specific genetic markers relevant to exercise response and injury risk.
Most reputable testing companies analyze between 15-50 genetic variants, focusing on those with the strongest scientific evidence for exercise-related outcomes. The laboratory process typically takes 2-4 weeks, during which sophisticated equipment reads your genetic code and compares it against known variants associated with athletic performance, injury susceptibility, and recovery patterns.
Genetic Analysis and Interpretation
When your results arrive, they’re presented in an easy-to-understand report that breaks down your genetic predispositions across several key areas. I’ve found that patients appreciate when I explain these results in practical terms rather than diving into complex genetic terminology.
Your genetic profile might reveal that you have the ACTN3 XX genotype, suggesting a predisposition toward endurance activities rather than power-based exercises. Or perhaps you carry variants of COL5A1 that indicate higher collagen turnover and potentially increased injury risk, particularly in tendons and ligaments.
One of my patients, Sarah, discovered she had genetic variants associated with slower recovery from high-intensity exercise. This explained why she consistently felt fatigued following our typical rehabilitation protocols. Armed with this information, we adjusted her program to include longer rest periods and more emphasis on active recovery techniques.
Integration with Traditional Assessment Methods
Here’s something crucial I always emphasize: genetic testing doesn’t replace traditional physical therapy assessment methods – it enhances them. Your movement patterns, strength deficits, pain responses, and functional limitations remain the primary drivers of your rehabilitation program. Genetic information provides an additional layer of insight that helps optimize your treatment approach.
I combine genetic results with comprehensive movement screens, strength testing, and functional assessments. This holistic approach allows me to create truly personalized rehabilitation programs that account for both your current physical status and your genetic predispositions.

Key Insights Gene Testing Provides for Physical Therapy
Through my experience working with genetically-informed rehabilitation programs, I’ve identified several key areas where DNA analysis provides valuable insights that can significantly impact treatment outcomes. Let me share what I’ve learned about the most actionable genetic information for physical therapy practice.
Muscle Fiber Type Distribution and Exercise Response
Perhaps the most practically useful information comes from understanding your muscle fiber type distribution. The ACTN3 gene, often called the “speed gene,” provides insights into whether you have more fast-twitch or slow-twitch muscle fibers. This information directly influences exercise prescription and rehabilitation strategies.
Patients with the RR or RX genotype typically have more fast-twitch fibers, making them naturally better suited for power-based activities, sprinting, and explosive movements. In rehabilitation, these individuals often respond well to plyometric exercises, resistance training with heavier loads, and shorter-duration, high-intensity intervals.
Conversely, those with the XX genotype tend to have more slow-twitch fibers, indicating better endurance capacity. For these patients, I emphasize longer-duration activities, higher repetition resistance training, and cardiovascular-based rehabilitation protocols. They also tend to recover better from higher-volume training sessions.
Recovery Speed and Training Frequency
Understanding your genetic predisposition for recovery has been a game-changer in my practice. Genes like CKM (creatine kinase) and IL6 (interleukin-6) influence how quickly your muscles repair and adapt following exercise or injury.
I had a patient, Marcus, who consistently pushed through fatigue and soreness, thinking he was being dedicated to his recovery. His genetic testing revealed variants associated with slower muscle recovery and heightened inflammation response. We restructured his program to include more rest days and anti-inflammatory strategies, leading to better outcomes and reduced pain.
Some individuals carry genetic variants that allow for faster protein synthesis and muscle repair, enabling them to handle higher training frequencies. Others need longer recovery periods between sessions to avoid overtraining and potential re-injury.
Injury Risk and Prevention Strategies
Genetic testing provides valuable insights into injury susceptibility, particularly for soft tissue injuries. Variants in genes like COL1A1, COL5A1, and MMP3 influence collagen production and breakdown, affecting tendon and ligament integrity.
Patients with certain COL5A1 variants show increased risk for tendon injuries, including Achilles tendinopathy and rotator cuff problems. For these individuals, I incorporate more gradual loading progressions, eccentric strengthening exercises, and specific injury prevention protocols from the beginning of treatment.
The genetic information also helps me identify patients who might benefit from nutritional interventions to support collagen synthesis, such as vitamin C supplementation and adequate protein intake timing around exercise sessions.
| Genetic Marker | Exercise Implication | Rehabilitation Strategy |
|---|---|---|
| ACTN3 RR/RX | Power/strength advantage | Emphasize explosive movements, plyometrics, heavy resistance |
| ACTN3 XX | Endurance advantage | Focus on higher repetitions, longer durations, aerobic base |
| COL5A1 CC | Lower injury risk | Standard progression protocols |
| COL5A1 TT | Higher injury risk | Gradual loading, eccentric strengthening, injury prevention |
| IL6 GG | Higher inflammation | Longer recovery periods, anti-inflammatory strategies |
Benefits of DNA-Based Physical Therapy Programming
After integrating genetic testing into my practice for several years, I’ve observed numerous benefits that extend far beyond simple exercise prescription. The advantages of genetically-informed physical therapy programming have transformed how I approach patient care and treatment planning.
Enhanced Treatment Personalization
The most significant benefit I’ve witnessed is the ability to truly personalize treatment programs based on individual genetic predispositions. Rather than using one-size-fits-all protocols, I can now tailor interventions to match each patient’s unique genetic profile.
Take my patient Jennifer, for example. Traditional assessment suggested she’d respond well to standard post-ACL reconstruction protocols. However, her genetic testing revealed variants associated with slower collagen synthesis and heightened inflammatory responses. We modified her program to include extended phases of tissue healing, specific nutritional interventions, and anti-inflammatory strategies. Her recovery progressed more smoothly than many patients following standard protocols.
This level of personalization extends to exercise selection, intensity parameters, recovery timing, and even nutritional recommendations. Patients report feeling like their programs “fit” them better when genetic information guides the prescription process.
Improved Patient Motivation and Adherence
I’ve noticed a remarkable improvement in patient motivation when they understand the genetic reasoning behind their program design. There’s something powerful about knowing that your exercise prescription isn’t arbitrary – it’s based on your unique DNA blueprint.
Patients become more committed to following rest day recommendations when they understand their genetic predisposition for slower recovery. Similarly, those with power-based genetic profiles become more enthusiastic about explosive exercises when they realize these movements align with their natural strengths.
The genetic report serves as a tangible reminder of why certain program elements matter, leading to better long-term adherence and improved outcomes.
Proactive Injury Prevention
Perhaps the most valuable application of genetic testing in physical therapy is its potential for injury prevention. By identifying genetic predispositions early in treatment, we can implement targeted prevention strategies before problems arise.
Patients with genetic markers for tendon injury susceptibility receive specific loading protocols, mobility work, and strengthening exercises designed to reduce risk. Those with inflammatory response variants learn anti-inflammatory lifestyle strategies and receive modified training intensities to prevent overuse injuries.
This proactive approach has significantly reduced injury rates among my patients who’ve undergone genetic testing compared to those following traditional protocols alone.
Limitations and Important Considerations
While I’m enthusiastic about the potential of genetic testing in physical therapy, I always emphasize to patients and colleagues that this technology has important limitations that must be acknowledged. Honesty about these constraints is essential for ethical practice and realistic expectations.
Current Scientific Evidence Limitations
The most significant limitation is that current research doesn’t yet support widespread clinical application of genetic testing for exercise prescription. A comprehensive review published in BMC Genomics concluded that “there is no current clinical application for genetic testing in the area of exercise prescription and injury prevention” based on existing scientific evidence.
This doesn’t mean genetic testing is worthless – it means we’re still building the evidence base needed for confident clinical recommendations. Many of the associations between genetic variants and exercise responses are based on relatively small studies that need replication in larger, more diverse populations.
I always explain to patients that genetic testing provides insights and tendencies rather than definitive prescriptions. Your genes influence your responses to exercise and injury, but they don’t determine them completely. Environmental factors, training history, nutrition, sleep, and other lifestyle variables play equally important roles.
Cost and Accessibility Challenges
Genetic testing for fitness and health applications typically costs between $100-$300, and most insurance plans don’t cover these tests since they’re considered elective rather than medically necessary. This creates accessibility barriers for many patients who might benefit from genetically-informed programming.
Additionally, the testing companies and interpretation services vary significantly in quality and scientific rigor. Some commercial tests make claims that far exceed what current research supports, while others provide more conservative, evidence-based interpretations.
Privacy and Ethical Concerns
Genetic information raises important privacy considerations that patients must understand before testing. Once your genetic data exists, questions arise about who has access to it, how it’s stored, and how it might be used in the future.
I always discuss with patients the importance of choosing reputable testing companies with strong privacy policies and understanding their rights regarding genetic data storage and sharing. There are also potential implications for family members, as genetic information can reveal information about relatives who haven’t consented to testing.
| Benefit | Limitation |
|---|---|
| Personalized exercise prescription | Limited current clinical evidence |
| Improved patient motivation | Cost and accessibility barriers |
| Proactive injury prevention | Privacy and ethical considerations |
| Enhanced treatment outcomes | Variable test quality and interpretation |
| Better program adherence | Over-reliance risk without traditional assessment |
How to Use Genetic Testing Results in Your Physical Therapy Program
Successfully integrating genetic testing results into physical therapy practice requires a systematic approach that combines genetic insights with traditional clinical reasoning. I’ve developed a framework over the years that helps maximize the benefits while avoiding common pitfalls.
Establishing Baseline Assessments
Before incorporating genetic information, I always complete comprehensive baseline assessments using traditional physical therapy evaluation methods. This includes movement screens, strength testing, range of motion measurements, pain assessments, and functional outcome measures. These baseline data points remain the foundation of treatment planning.
Genetic results then serve as an additional layer of information that helps explain individual variations in response patterns and guides program modifications. For example, if a patient’s movement screen reveals hip weakness, that needs to be addressed regardless of genetic predispositions. However, genetic information about recovery patterns might influence how we progress the strengthening program.
Developing Genetically-Informed Exercise Prescriptions
When prescribing exercises based on genetic information, I focus on modifying training variables rather than completely changing exercise selection. The fundamental principles of rehabilitation remain constant – genetic information helps optimize the application of these principles.
For patients with ACTN3 variants indicating fast-twitch fiber dominance, I might emphasize explosive movements, lower repetition ranges (6-8 reps), and longer rest periods between sets. Those with endurance-oriented genetic profiles might receive higher repetition prescriptions (12-20 reps), shorter rest periods, and more aerobic-based activities.
Recovery genetics influence training frequency and intensity distribution. Patients with genetic markers for slower recovery receive programs with built-in rest days and more emphasis on active recovery activities. Those with faster recovery genetics can typically handle higher training frequencies.

Monitoring and Adjusting Programs
Genetic information provides a starting framework, but individual responses always take precedence. I closely monitor how patients respond to genetically-informed programs and make adjustments based on objective measures like pain levels, function improvements, and subjective reports of recovery and energy.
Some patients don’t respond as their genetic profile might predict, which reminds us that genes are just one piece of a complex puzzle. Environmental factors, motivation levels, compliance with home programs, and other health conditions all influence outcomes.
Integrating Nutritional and Lifestyle Recommendations
Genetic testing often provides insights beyond exercise prescription, including nutritional needs and lifestyle factors that support recovery and performance. Variants in genes affecting vitamin D metabolism, caffeine sensitivity, and anti-inflammatory responses can inform comprehensive treatment approaches.
I work with registered dietitians when genetic results suggest specific nutritional interventions. For example, patients with genetic variants affecting collagen synthesis might benefit from targeted amino acid supplementation and timing strategies around exercise sessions.
Professional Consultation and Implementation Guidelines
The successful integration of genetic testing into physical therapy practice requires careful consideration of professional standards, ethical guidelines, and collaborative care approaches. Drawing from my experience implementing genetic testing in clinical settings, I want to share essential guidelines for both practitioners and patients.
Working with Qualified Healthcare Professionals
The interpretation of genetic testing results requires specialized knowledge that extends beyond traditional physical therapy training. I strongly recommend working with healthcare professionals who have additional training in genomics and exercise science when incorporating genetic information into treatment plans.
Many physical therapists are now pursuing continuing education in precision medicine and genetic applications. However, until this becomes more widespread, collaboration with genetic counselors, sports medicine physicians, or exercise physiologists with genomics training can provide valuable expertise.
I’ve found that the most successful genetically-informed programs result from multidisciplinary collaboration. The physical therapist focuses on movement analysis and exercise prescription, while genetic specialists help interpret complex results and identify potential contraindications or special considerations.
Ethical Implementation Standards
Ethical implementation of genetic testing in physical therapy requires adherence to several key principles. First, informed consent must include clear explanations of what genetic tests can and cannot tell us about exercise responses and injury risk. Patients need to understand the limitations of current knowledge and the probabilistic rather than deterministic nature of genetic information.
Privacy protection remains paramount. I only work with genetic testing companies that maintain strict data security standards and provide clear policies about data storage, sharing, and deletion options. Patients should understand who has access to their genetic information and how it might be used beyond their immediate treatment.
The principle of non-maleficence – “do no harm” – applies strongly to genetic testing applications. Genetic information should never lead to overly restrictive exercise recommendations or create unnecessary anxiety about injury risk. The goal is to optimize programs, not limit activity participation.
Quality Assurance and Continuing Education
As genetic testing applications in physical therapy continue evolving, staying current with research developments and best practices becomes essential. I regularly attend continuing education courses, participate in professional genomics societies, and review emerging literature.
Quality assurance involves critically evaluating genetic testing companies and their claims. I look for companies that base their interpretations on peer-reviewed research, provide transparent information about their scientific advisory boards, and avoid making exaggerated claims about performance enhancement or injury prevention.
Documentation standards also require attention when incorporating genetic information into clinical practice. I maintain detailed records of how genetic information influenced treatment decisions and track outcomes to contribute to the growing evidence base in this field.
Future Directions and Emerging Applications
The intersection of genetics and physical therapy continues evolving rapidly, with exciting developments on the horizon that promise to enhance our ability to provide truly personalized rehabilitation and exercise programming. Based on current research trends and emerging technologies, I’m optimistic about several future applications.
Advanced Polygenic Risk Scores
Current genetic testing focuses primarily on individual gene variants, but researchers are developing more sophisticated polygenic risk scores that consider the combined effects of multiple genetic variants. These comprehensive scores promise more accurate predictions of exercise responses, injury risk, and recovery patterns.
Early research suggests that polygenic scores for traits like aerobic capacity, muscle strength, and injury susceptibility may provide more clinically useful information than single-gene analyses. As these tools become available, they’ll likely offer more precise guidance for exercise prescription and rehabilitation planning.
Integration with Wearable Technology
The combination of genetic information with continuous physiological monitoring through wearable devices represents an exciting frontier. Imagine having your genetic predispositions for recovery inform real-time adjustments to training intensity based on heart rate variability, sleep quality, and other biomarkers.
I’ve begun experimenting with protocols that use genetic testing to establish baseline parameters for wearable device algorithms. For example, patients with genetic markers for slower recovery might have their device calibrated to recommend rest days earlier than those with faster recovery genetics.
Pharmacogenomics Applications
As our understanding of how genetic variants affect drug metabolism improves, we’ll likely see applications in physical therapy related to pain management and anti-inflammatory medications. Genetic variants affecting how individuals metabolize common pain medications or respond to anti-inflammatory drugs could inform integrated treatment approaches.
This becomes particularly relevant for patients dealing with chronic pain conditions or those requiring medication management during rehabilitation. Understanding genetic predispositions for drug responses could help optimize pharmaceutical interventions alongside exercise therapy.
Precision Nutrition Integration
The emerging field of nutrigenomics – how genetic variants affect responses to different nutrients – holds significant promise for physical therapy applications. Genetic information about vitamin D metabolism, protein synthesis rates, and anti-inflammatory responses could guide targeted nutritional interventions that support rehabilitation outcomes.
Research is beginning to show how genetic variants affect optimal protein intake timing around exercise, vitamin supplementation needs, and anti-inflammatory dietary strategies. These insights could significantly enhance recovery and adaptation to exercise programs.
| Current Applications | Future Developments |
|---|---|
| Single gene analysis | Polygenic risk scores |
| Static program design | Real-time adjustments with wearables |
| Exercise prescription only | Integrated pharmacogenomics |
| Basic recovery insights | Precision nutrition applications |
| Individual patient focus | Population health applications |
Frequently Asked Questions
What is the DNA test for exercise, and how accurate is it?
DNA tests for exercise analyze specific genetic variants that influence how your body responds to different types of physical activity, recovers from exercise, and manages injury risk. Current accuracy varies depending on the specific genetic markers tested and the traits being predicted. While some associations, like those between ACTN3 variants and power versus endurance performance, show consistent research support, many genetic influences on exercise response are still being studied. These tests provide probabilistic information about tendencies rather than definitive predictions about your exercise responses.
Can molecular genetics use DNA to evaluate therapy effectiveness?
Yes, genetic information can help predict how individuals might respond to different therapeutic interventions, though this application is still emerging in physical therapy. Genetic variants affecting inflammation response, collagen synthesis, and muscle adaptation can provide insights into which treatment approaches might be most effective for individual patients. However, genetic information should always be combined with traditional clinical assessment methods and ongoing monitoring of treatment responses to evaluate therapy effectiveness.
How does genetic testing for biohacking improve health outcomes?
Genetic testing can inform biohacking approaches by providing insights into individual variations in exercise response, recovery needs, and nutritional requirements. For example, genetic variants affecting caffeine metabolism can guide optimal timing of caffeine intake around workouts, while variants in recovery-related genes can inform sleep optimization strategies. However, it’s important to approach genetic testing as one tool among many rather than a complete solution for health optimization.
Can a DNA analysis help improve your fitness results?
DNA analysis can potentially improve fitness results by helping you align your training approach with your genetic predispositions. Understanding whether you’re genetically predisposed toward power or endurance activities, how quickly you recover from exercise, and your injury risk factors can help optimize your training program. However, genetic information should complement, not replace, factors like consistent training, proper nutrition, adequate sleep, and progressive overload principles.
Are fitness DNA tests worth the investment?
The value of fitness DNA tests depends on your goals, current knowledge about your body’s responses, and willingness to modify your approach based on genetic information. For individuals who’ve struggled with traditional fitness approaches or experienced recurring injuries, genetic testing might provide valuable insights. However, many people can achieve excellent results through consistent training and attention to their body’s responses without genetic testing. The cost-benefit analysis varies for each individual.
Is it worth getting a genetic methylation test for physical therapy?
Genetic methylation tests analyze how your genes are expressed rather than just which variants you carry. These tests can provide insights into how environmental factors, stress, and lifestyle choices affect your genetic expression patterns. For physical therapy applications, methylation testing might reveal how your body responds to different stressors and recovery interventions. However, this is an emerging area with limited specific evidence for exercise and rehabilitation applications.
What are the main risks and limitations of genetic testing for fitness?
The primary limitations include incomplete scientific evidence for many genetic associations with exercise response, potential privacy concerns with genetic data storage, the risk of over-interpreting results, and the possibility of developing anxiety about genetic predispositions. Physical risks are minimal since testing requires only a saliva sample or cheek swab. It’s important to choose reputable testing companies, understand the limitations of current knowledge, and work with qualified professionals to interpret results appropriately.

Conclusion: Balancing Genetic Insights with Clinical Expertise
As I reflect on my journey integrating genetic testing into physical therapy practice, I’m struck by both the tremendous potential and the important limitations of this emerging field. The ability to peer into our genetic blueprint and understand individual predispositions for exercise response, recovery patterns, and injury risk represents a fascinating advancement in personalized medicine.
Through my experience working with hundreds of patients who’ve undergone genetic testing, I’ve witnessed remarkable success stories where genetic information provided the missing piece needed to optimize rehabilitation outcomes. I’ve also learned valuable lessons about the importance of maintaining realistic expectations and continuing to prioritize proven clinical assessment methods alongside genetic insights.
The patients who benefit most from genetically-informed physical therapy programs are those who understand that DNA provides tendencies and probabilities, not certainties. Your genetic profile might suggest you’ll respond better to endurance-based training, but your actual responses, preferences, and goals ultimately guide program development.
What excites me most about the future of genetic testing in physical therapy is its potential to enhance our understanding of individual variability in treatment responses. Rather than replacing clinical expertise, genetic information can help us become more precise in our treatment approaches and more effective in matching interventions to individual needs.
For patients considering genetic testing as part of their rehabilitation journey, I recommend approaching it as one valuable tool among many. Work with qualified healthcare professionals who understand both genetics and exercise science, maintain realistic expectations about what genetic information can and cannot tell you, and remember that consistent effort and adherence to evidence-based principles remain the foundation of successful rehabilitation.
The field continues evolving rapidly, and I expect the coming years will bring more sophisticated genetic analyses, better integration with wearable technology, and stronger evidence for clinical applications. As these developments unfold, the key will be maintaining our focus on what matters most – helping people move better, feel better, and achieve their functional goals through safe, effective, and personalized care.
Whether or not you choose to incorporate genetic testing into your physical therapy journey, remember that your body’s responses to exercise and rehabilitation are the ultimate guide. Pay attention to how different approaches make you feel, recovery patterns that emerge over time, and the types of activities that bring you both challenge and enjoyment. Sometimes the most valuable insights come not from our DNA, but from careful observation of our lived experiences in movement and recovery.
- Clinical Massage with Gloves: Sanitary Protocols, Allergy Prevention, and Techniques
- CAMTC Certification Guide: California Massage Therapy Council Application and Fees
- Cybex Testing in Rehabilitation: How Isokinetic Assessments Measure Muscle Strength
- Biodex Isokinetic Dynamometer Testing: Clinical Purpose, Cost, and Injury Assessment
- Massage Therapy Malpractice Insurance: Cost Comparison and Policy Exclusions