Pet insurance is changing at a remarkable pace. Dog insurance companies that cover all-encompassing treatments are seeing an impressive 11.5% annual growth rate. By the end of 2016, 1.8 million pets had insurance coverage.
The growing interest in alternative pet therapies has caught everyone’s attention. Pet owners just need more options like acupuncture, chiropractic care, hydrotherapy and massage therapy. These treatments are great ways to manage chronic pain and boost our pets’ overall well-being.
Many top insurance providers recognize this shift. Companies like Embrace and HealthyPaws include alternative therapies in their base plans. Other providers offer complete coverage options for these treatments. We found 7 top pet insurance companies that make holistic care available and affordable in 2025.
Trupanion Pet Insurance
Trupanion distinguishes itself by covering alternative medicine extensively. Their core insurance plan has a range of all-encompassing treatments.
Trupanion Holistic Treatment Coverage Overview
The base policy goes beyond traditional veterinary care with several innovative treatments. Pet parents can get coverage for bone marrow transplants, gold seed therapy, herbal therapy, and stem cell treatments. The policy also covers hyperbaric oxygen therapy and platelet-rich plasma injections, giving pets a complete alternative care package.
Recovery and Complementary Care Rider Details
The Recovery and Complementary Care package improves the core coverage with specialized alternative treatments. This rider gives pet owners 90% coverage for several therapeutic options that include:
- Acupuncture and chiropractic adjustments
- Hydrotherapy and rehabilitative therapy
- Behavioral modification and therapy
- Homeopathy and naturopathy treatments
Holistic Treatment Waiting Periods
Trupanion makes waiting periods straightforward. Both accidents and illnesses now have a 12-day waiting period. Pet owners can skip this waiting period completely with the Exam Day Offer to get immediate coverage when they activate their policy.
Claims Process for Alternative Therapies
The Vet Direct Pay™ system makes claims hassle-free. This innovative system pays over 60% of veterinary bills within 60 seconds at checkout. Veterinary facilities without direct pay still see 70% of their claims processed within 24 hours.
Pet owners can submit claims in several ways. They can use their account portal online, send in a manual claim form, or get help from customer service representatives who work 24/7, 365 days a year. The reimbursements come through direct deposit to a checking or savings account, or by check in the mail.
Healthy Paws Pet Insurance
Acquired by Chubb in 2024, Healthy Paws keeps pet care coverage simple and straightforward. Their single complete plan has several alternative treatments built right in – no extra riders needed.
Complete Alternative Medicine Coverage
The standard plan covers many types of alternative treatments. Here’s what you get:
- Acupuncture and chiropractic care
- Hydrotherapy and physical therapy
- Laser therapy and massage therapy
- Physical therapy
Alternative Treatment Reimbursement Rates
You can choose from flexible reimbursement options with yearly deductibles of USD 250.00, USD 500.00, or USD 1000.00. Pet parents can pick reimbursement levels at 70%, 80%, or 90% of their vet bills. Claims usually get processed within two business days, so you’ll get your money back quickly.
Coverage Limits for Alternative Therapies
Healthy Paws stands out because it has no payout caps. There aren’t any limits per incident, year, or lifetime on what you can claim. In spite of that, some rules apply – treatments must be for new injuries or illnesses that weren’t there before. To name just one example, hip dysplasia coverage works only for pets that join before they turn six.
Alternative Provider Network
Licensed veterinarians must perform all alternative treatments. This rule will give a high standard of care and keep your coverage valid. You can visit any licensed vet anywhere in the country, which lets you choose the healthcare provider you want.
Healthy Paws pays veterinary hospitals directly when treatments cost more than USD 2000.00. This service works for treatments of all types and makes payments easier while reducing financial pressure on pet parents. The waiting period runs for 15 days for accidents and illnesses, after which you get complete coverage.
ASPCA Pet Health Insurance
ASPCA Pet Insurance started with alternative pet care and now offers its Complete CoverageSM plan. This plan is their most integrated insurance option for alternative treatments.
Complete Coverage Plan for Holistic Care
The Complete CoverageSM plan has several alternative therapies. You can get coverage for:
- Acupuncture and physiotherapy
- Chiropractic manipulation and massage
- Hydrotherapy and laser treatment
- Homeopathy and osteopathy
This plan goes beyond regular vet care. It covers behavioral modification techniques and prescription foods that treat covered conditions. The coverage has therapeutic diets and behavioral treatments. These help with problems like destructive chewing, excessive licking, and anxiety-related conditions.
Alternative Therapy Coverage Limits
ASPCA lets you choose reimbursement rates up to 100% of eligible vet expenses. They use a simple reimbursement system. Pet parents can submit claims through their online Member Center or mobile app.
The base coverage comes with two preventive care tiers. The simple plan gives you up to USD 100.00 for dental cleaning and USD 50.00 for wellness exams to support routine care. The Prime plan bumps these limits to USD 150.00 for dental cleaning or spay/neuter procedures.
Qualifying Conditions for Holistic Treatment
The policy covers both curable and certain pre-existing conditions. ASPCA will cover pre-existing conditions that are curable and remain symptom-free for 180 days. All but one of these conditions qualify – knee and ligament issues are excluded. However, temporary problems like digestive issues are covered.
Chronic conditions get different treatment than acute ones. Long-term health issues like arthritis, diabetes, and heart disease count as incurable pre-existing conditions. These conditions get continuous coverage if they’re diagnosed after enrollment. They won’t lose eligibility just because they’re ongoing.
Pet parents can visit any licensed veterinarian in the United States and Canada. Your pet can get alternative treatments from qualified professionals while keeping insurance coverage, no matter where you live.
Pets Best Insurance
Pets Best stands out by offering tiered coverage for complete pet care. Their Elite accident-and-illness plan focuses on specialized treatments.
Alternative Care Coverage Options
The Elite plan covers five essential alternative therapies:
- Chiropractic treatments
- Acupuncture sessions
- Cold laser therapy
- Physical therapy
- Hydrotherapy sessions
These treatments are available only through the Elite tier. The company recognizes these five procedures as legitimate medical treatments, though herbal and experimental therapies aren’t covered.
Holistic Treatment Pricing
Pet owners can customize their coverage with several options:
- Deductible choices: USD 50.00, USD 100.00, USD 200.00, USD 250.00, USD 500.00, and USD 1000.00
- Reimbursement rates from 70% to 90%
- Annual limits of USD 5000.00 or unlimited coverage
Pet parents should factor in these premium costs with their base coverage since alternative treatments come under the Elite plan.
Provider Requirements
Licensed veterinarians must perform all alternative treatments to meet Pets Best’s quality standards. The company’s nationwide network lets pet owners choose their preferred healthcare providers. Eligible veterinarians can use Vet Direct Pay to simplify payments.
Claims Processing for Alternative Therapies
Pet owners can submit claims through multiple channels:
- Online portal access via desktop or mobile device
- Email submission
- Fax transmission
- Standard mail delivery
Reimbursement timing depends on how you submit claims. Direct deposit payments usually arrive within two days after processing. Paper checks take five to seven days. Participating vet offices can receive immediate payment through the Vet Direct Pay system.
Standard waiting periods apply to all coverage types:
- Three days for accidents
- Fourteen days for illnesses
- Six months for cruciate ligament conditions
The company offers a 5% discount to military members. Multi-pet households can save 5% when they add another pet to their accident-and-illness policies.
Nationwide Pet Insurance
Nationwide takes an all-encompassing approach to pet care. They have a well-laid-out system that needs vet prescriptions for alternative treatments.
Holistic and Alternative Medicine Benefits
Their modular insurance plans cover several alternative therapies. We focused on treatments that licensed veterinarians prescribe. The coverage has:
- Acupuncture treatments
- Chiropractic adjustments
- Laser therapy sessions
- Holistic care options
Vets must prescribe these treatments to address specific medical conditions. Pet parents need proper vet documentation before they start alternative therapies.
Coverage Restrictions and Limitations
Nationwide keeps strict rules about alternative treatment coverage. Vets must perform or prescribe holistic treatments to treat covered conditions. The company checks if treatments line up with standard vet care practices during claims processing.
The policy won’t cover:
- Experimental or investigational treatments
- Medical wellness clubs or subscription programs
- Pre-existing conditions
- Grooming services and boarding
Wellness Rider Options
Wellness coverage options boost the base accident and illness plans and provide preventive care benefits. These plans cover routine check-ups, vaccinations, and dental cleanings to give complete preventive care options.
Current Nationwide members get a 5% discount when starting new pet health insurance policies. Pet parents get money back for eligible vet expenses through the wellness plans’ reimbursement model.
Coverage works across the country, so you can choose any vet provider. Pet owners can use the VetHelpline app for 24/7 virtual pet care. Your pets stay protected whatever your travel location within covered territories.
Coverage for chronic conditions continues in later years up to the benefit allowance. Benefit schedule allowances reset each year to support long-term health needs. Pet parents can submit claims online or talk directly to customer service representatives.
Embrace Pet Insurance
Embrace stands out from other pet insurance companies by offering complementary treatments in every policy at no extra cost.
Alternative Therapy Coverage Details
The policy has complete coverage for holistic treatments under licensed veterinary supervision. Pet owners can access:
- Acupuncture sessions
- Chiropractic adjustments
- Hydrotherapy treatments
- Physiotherapy care
- Therapeutic laser procedures
These treatments get coverage for specific medical conditions that range from post-surgery recovery to chronic pain management. The policy focuses on non-invasive procedures and supports conditions like hip dysplasia, arthritis, and soft-tissue trauma.
Reimbursement Process
Pet parents receive direct payments through the reimbursement system. They can submit claims after paying the vet bill through several options:
- Online portal submission
- Mobile app processing
- Email or fax transmission
- Physical mail delivery
The process takes 10-15 business days. Reimbursements reach pet owners through direct deposit within three business days or by check within ten business days after approval.
Annual Coverage Maximums
Pet owners can choose flexible coverage limits between USD 5,000 to USD 30,000 yearly. The plans can be customized with:
- Annual deductibles: USD 100, USD 250, USD 500, USD 750, or USD 1,000
- Reimbursement rates: 70%, 80%, or 90% of covered expenses
The policy covers exam fees which saves pet owners USD 50 to USD 200 per visit.
Provider Requirements for Claims
Provider qualifications are a vital part of coverage eligibility. All complementary treatments must be:
- Performed by licensed veterinarians
- Conducted under direct veterinary supervision
- Documented with proper diagnosis and treatment plans
Pet owners can visit any licensed veterinarian in the United States or Canada. Professional organizations like the American Academy of Veterinary Acupuncture help find practitioners for specialized treatments.
Dogs have monthly premiums between USD 35 to USD 50 while cats cost USD 15 to USD 30. Pets need an examination within 14 days of starting the coverage.
Figo Pet Insurance
Figo Pet Insurance is changing how pet healthcare works by adding integrated treatments to its insurance plans. The company uses technology to make alternative therapies more accessible to pet parents who want detailed care options.
Holistic Care Coverage Options
The base accident and illness plan includes many alternative and holistic therapies. Pet owners can access these treatments:
- Acupuncture for pain management
- Chiropractic care for joint issues
- Hydrotherapy sessions
- Rehabilitative therapy
Licensed veterinarians must perform these treatments for covered conditions to qualify for coverage. Pet parents can choose deductibles from USD 50.00 to USD 500.00. They also get to pick reimbursement rates between 70% to 100% of eligible expenses.
Wellness Powerup Features
The Wellness Powerup program offers two tiers – Basic and Plus. The Basic plan pays fixed amounts:
- USD 20.00 for wellness exams
- USD 30.00 for vaccines
- USD 40.00 for spay/neuter or dental cleaning
- USD 20.00 for testing
- USD 15.00 for microchipping
- USD 10.00 for deworming
The Plus tier offers higher benefits with USD 40.00 for wellness exams, USD 50.00 for vaccines, and USD 75.00 for dental cleaning. These fixed payments work differently from accident and illness coverage, which uses adjustable deductibles and reimbursement amounts.
Alternative Treatment Network
The network focuses on quality care delivery. Pet parents can visit any licensed veterinarian across the country, so they have freedom in choosing healthcare providers. The company’s AI-powered claims assistant and 24/7 live vet chat support make the service experience better.
Figo covers ongoing management for chronic conditions like allergies, diabetes, and arthritis that need long-term care. Independence American Insurance Company underwrites the policies. They calculate premiums based on pet age, species, breed, and location.
Pet parents can store medical records online and get push notifications for important reminders through the claims process. This tech-focused approach makes insurance easier to use, especially when pet owners need to process claims for holistic treatments.
