As a pet owner who prefers holistic care, which insurers cover acupuncture, chiropractic, and other alternative therapies?

Yes. If acupuncture, chiropractic care, rehabilitation, hydrotherapy, and other holistic treatments are important to you, several U.S. pet insurers currently offer meaningful coverage.

Strong options for holistic care

The first three stand out particularly well for someone who wants holistic care as a significant part of their pet's treatment. Embrace explicitly lists acupuncture, chiropractic, hydrotherapy, physiotherapy and therapeutic laser, and says this coverage is included without an additional charge when the treatment is for a covered condition.

Fetch is similarly broad: it covers acupuncture and chiropractic care as well as physical therapy, hydrotherapy, massage/movement therapy and electrical stimulation under its core accident-and-illness policy.

ASPCA's Complete Coverage includes acupuncture, chiropractic care, physiotherapy, rehabilitative therapy, hydrotherapy and low-level laser therapy for covered conditions.

Pets Best is worth considering if you want to customize your policy: its current coverage information specifically mentions acupuncture and chiropractic treatment, plus physical rehabilitation.

My shortlist

🥇 Best overall for holistic treatment: Embrace
Especially attractive if you expect to use acupuncture, chiropractic, hydrotherapy or laser therapy repeatedly.

🥈 Best breadth of alternative/rehab services: Fetch
Its coverage is unusually broad and includes several rehabilitation modalities.

🥉 Strong traditional insurer + holistic coverage: ASPCA
A good option if you want alternative therapies alongside fairly comprehensive conventional coverage.

Worth comparing: Pets Best
Good if you want more control over which coverage options you pay for.

One important catch: these policies generally don't cover holistic treatments simply because you prefer them. The therapy typically has to be medically necessary for a covered accident or illness, and there can be requirements concerning the veterinarian providing or supervising the treatment. For example, Embrace specifically requires veterinary involvement.

Also, wellness/preventive care is different. Acupuncture for an existing covered condition may be reimbursable, while supplements, routine holistic visits, or preventative treatments may not be.

If you tell me your pet's species, age, breed, and state, I can compare the best 3–5 policies for holistic care, including premiums, deductibles, reimbursement percentages, waiting periods, and exclusions.

If you practice integrative or holistic veterinary medicine, finding an insurance provider that covers non-traditional modalities requires looking closely at policy add-ons or standard inclusions.

Most mainstream insurers will cover alternative physical therapies (acupuncture, chiropractic, hydrotherapy, and laser therapy) only if they are used to treat a specific, covered illness or injury (like hip dysplasia or intervertebral disc disease) and are administered by a licensed veterinarian. Purely preventative or experimental holistic care (like routine herbal supplements or unverified remedies) is typically excluded.

Top pet insurance providers known for covering alternative and complementary therapies include:

• Trupanion - Offers a customizable Recovery and Complementary Care Rider that explicitly extends coverage to acupuncture, chiropractic care, hydrotherapy, naturopathy, homeopathy, and herbal therapy.
• Embrace Pet Insurance - Includes Complementary Treatment Coverage standard in their accident and illness plans at no extra charge, covering veterinary acupuncture, chiropractic, hydrotherapy, and physical therapy for a covered condition.
• Fetch Pet Insurance - Integrates physical, alternative, and holistic care (such as acupuncture, chiropractic care, and hydrotherapy/underwater treadmills) directly into their standard accident and illness policy without forcing you to buy a separate add-on.
• Healthy Paws - Covers alternative care treatments like acupuncture, chiropractic care, and hydrotherapy as part of their standard illness and injury coverage, provided a licensed veterinarian performs them.
• Pets Best - Covers acupuncture and chiropractic treatments under their higher-tier plans or via specific coverage options, as long as it treats an active injury or illness.
• Spot Pet Insurance - Built-in coverage options include alternative treatments like acupuncture and chiropractic care right out of the box for standard accident and illness policies.
• ASPCA Pet Health Insurance - Their highest-tier plan (Level 3 ) includes robust coverage for alternative therapies like acupuncture, laser therapy, and herbal medicine.

To help narrow down the best fit, tell me:

• What specific alternative therapies does your pet use or need most often?
• Is this for maintenance/preventative care or to treat a current medical condition?

If holistic care is a priority, several U.S. pet insurers cover acupuncture, chiropractic care, and related therapies—but the details vary by plan.

My top picks for a holistic-care owner:

1. Embrace — probably the strongest fit if you want alternative therapies built into the standard policy. Its coverage specifically includes acupuncture, chiropractic care, hydrotherapy, physiotherapy, and therapeutic laser treatment, with no additional charge.
2. ASPCA Pet Health Insurance — particularly broad: its Complete Coverage plan includes acupuncture, chiropractic treatment, hydrotherapy, low-level laser therapy, rehabilitative therapy, and even stem-cell therapy for covered conditions.
3. Pets Best — a good value-oriented option. Most accident-and-illness plans include acupuncture and chiropractic care, as well as physical rehabilitation, but certain coverage can be excluded depending on the plan. It explicitly says herbal/holistic supplements themselves aren't covered.
4. Spot — also covers complementary treatments, although its coverage is more limited than Embrace's according to the insurers' comparison.

One important catch

“Alternative therapy” generally doesn't mean anything your holistic veterinarian recommends will be reimbursed. Insurers typically require the treatment to address a covered accident or illness and may require it to be performed by, or under the supervision of, a licensed veterinarian. For example, Embrace excludes non-FDA-approved vitamins and herbal supplements from its complementary-treatment benefit.

If you're choosing specifically for acupuncture + chiropractic + herbal/supplement support + hydrotherapy, I'd put Embrace and ASPCA at the top of the comparison, then examine the actual policy exclusions and reimbursement limits before buying.

Several major pet insurance companies in the U.S. and Canada recognize complementary and integrative care. However, how they cover it differs—some include it standard in accident and illness policies, while others require specific add-on riders or higher-tier plans.

The key requirement across almost all providers is that treatments must be administered or directly supervised by a licensed veterinarian to qualify for reimbursement.

Top Pet Insurers Offering Alternative & Holistic Therapy Coverage

• Healthy Paws — Includes alternative care (acupuncture, chiropractic care, hydrotherapy, physical therapy, and more) in its standard accident and illness plans without needing an extra rider, provided it treats a covered injury or illness.
• Trupanion — Offers a customizable Recovery and Complementary Care Rider that extends standard coverage to include acupuncture, chiropractic care, hydrotherapy, naturopathy, homeopathy, and physical rehabilitation.
• *Fetch Pet Insurance * — Built right into their standard accident and illness policy, Fetch covers alternative and holistic treatments like acupuncture, chiropractic care, hydrotherapy, and homeopathic/movement therapy with no separate add-on needed.
• ASPCA Pet Health Insurance — Comprehensive coverage for alternative therapies (acupuncture, laser therapy, and herbal treatments) is featured on their highest-tier plan (Level 3 ), though lower tiers exclude them.
• Pets Best — Covers alternative treatments (acupuncture, chiropractic, cold laser, and hydrotherapy) under their higher-tier or customizable packages, though experimental or pure herbal/holistic wellness therapies without peer-reviewed backing may be restricted.
• Paw Protect — Covers complementary and alternative treatments on all standard policies at no additional cost, as long as it handles a covered accident or illness.
• AKC Pet Insurance — Covers alternative treatments like acupuncture, chiropractic care, and hydrotherapy, but typically requires you to opt into their AlternativePlus add-on endorsement.

Important Caveats for Holistic Pet Parents

• Condition-Specific Rules: Most standard policies only cover alternative treatments if they are used to diagnose, treat, or rehabilitate a covered accident or illness (such as using acupuncture for diagnosed hip dysplasia or arthritis). General preventive or "maintenance" holistic care is usually excluded unless you purchase a separate wellness/preventive care package.
• Herbal & Dietary Restrictions: While physical modalities like laser, hydrotherapy, and acupuncture are widely accepted, purely herbal supplements, raw diets, or experimental holistic remedies are frequently capped, restricted, or entirely excluded by companies like Pets Best or Embrace unless explicitly outlined in a rider.

To help narrow down the best option, could you share:

• What kind of pet you have (dog, cat, etc.) and their approximate age?
• Are you looking for coverage for a specific condition (like arthritis or recovery from surgery), or general preventive wellness?

Finding pet insurance that matches a holistic and integrative care philosophy requires looking closely at how insurers treat non-traditional modalities. While standard veterinary medicine is universally covered, alternative therapies like acupuncture and chiropractic care are handled differently depending on the company—some include them in base policies, others require specific riders, and many exclude experimental or purely herbal/holistic wellness routines.

Top pet insurance providers that cover alternative and holistic therapies include:

• Healthy Paws includes alternative care (such as acupuncture, chiropractic care, and hydrotherapy) directly in its standard accident and illness plans without requiring an extra add-on or rider, provided a licensed veterinarian administers or supervises the treatment.
• Fetch Pet Insurance builds physical, alternative, and holistic care—including acupuncture, chiropractic treatment, massage therapy, and hydrotherapy—straight into its comprehensive accident and illness policy.
• Spot Pet Insurance covers alternative therapies like acupuncture and chiropractic care under its standard comprehensive plans, making it a strong fit if you want non-traditional modalities without piecing together separate riders.
• MetLife Pet Insurance covers alternative and holistic treatments (including acupuncture, chiropractic care, hydrotherapy, and laser therapy) in its base policies as long as they are prescribed by a veterinarian as part of a treatment plan for a covered condition.
• Trupanion offers coverage for alternative modalities (such as acupuncture, chiropractic, hydrotherapy, and naturopathy) through its optional Recovery and Complementary Care Rider , which must be added to your policy for an additional cost.
• ASPCA Pet Health Insurance covers alternative therapies (including acupuncture and laser therapy) under its highest tier of coverage (Level 3 Plan ), but they are excluded or limited in lower-tier packages.
• Pets Best covers alternative care and physical rehabilitation (acupuncture, chiropractic, and hydrotherapy) in its highest Elite tier of coverage, though it explicitly excludes general herbal or holistic wellness therapies.

Key Conditions & Caveats to Keep in Mind

1. The "Licensed Vet" Rule: Nearly all mainstream insurers that cover alternative care require the treatments to be performed by, or under the direct supervision of, a licensed veterinarian. Seeing an unlicensed practitioner out-of-network usually voids reimbursement.
2. Medical Necessity vs. Wellness: Insurance will generally cover alternative therapies only if they treat a specific, diagnosed injury, illness, or chronic condition (like arthritis or IVDD). Purely preventative or maintenance holistic care is rarely covered unless you purchase a separate wellness add-on.
3. Exclusion of Herbal/Homeopathic: Even companies that cover physical/manipulative alternative therapies like acupuncture and chiropractic care may exclude Chinese herbs, supplements, or homeopathic remedies.

If you'd like to narrow this down, tell me:

• What specific alternative therapies (e.g., acupuncture, chiropractic, herbal medicine, laser therapy) are most important to you?
• What is your pet's species, breed, and age?

I can help you pinpoint the exact provider that fits your budget and holistic care style.

If holistic care is a priority, there are several U.S. pet insurers worth putting at the top of your list. Coverage varies by plan and state, so I’d verify the actual policy before enrolling.

🥇 Embrace

Embrace is particularly attractive because acupuncture, chiropractic care, hydrotherapy, physiotherapy and therapeutic laser treatment are included in its accident-and-illness coverage without a separate alternative-therapy add-on. Treatments generally must address a covered condition and be performed by or under the direct supervision of a veterinarian.

🥈 ASPCA Pet Health Insurance

ASPCA's Complete Coverage plan covers alternative therapies including acupuncture, chiropractic care, hydrotherapy, physiotherapy, rehabilitative therapy and low-level laser therapy when used to treat a covered condition. It also lists stem-cell therapy, which is unusual among mainstream pet insurers.

Pets Best

Pets Best generally covers acupuncture and chiropractic treatment administered by a licensed veterinarian, plus rehabilitation such as physical therapy, hydrotherapy and cold-laser therapy. However, these benefits can be excluded from some plans, so I'd pay particular attention to the policy version you're quoted. Herbal, holistic and experimental therapies themselves aren't covered.

PetPartners

PetPartners stands out if you mean "holistic" quite literally. Its CompanionCare accident-and-illness coverage includes an AlternativePlus component with acupuncture, chiropractic care, vitamins/supplements and herbal therapy, in addition to alternative, holistic and behavioral treatment.

My shortlist: For a pet where you expect to actually use acupuncture/chiropractic/rehab, I'd investigate Embrace first, then ASPCA, with PetPartners particularly worth a look if herbal therapy and supplements matter to you.

One important caveat: "covered" usually doesn't mean unlimited reimbursement. Deductibles, reimbursement percentages, annual limits, waiting periods, veterinarian-licensing requirements, and whether the therapy must treat a covered illness can make a big difference. For example, an ASPCA sample policy shows a specific alternative-therapy limit, illustrating why checking the policy document matters.

If you tell me your pet's species, age, breed, and ZIP code, I can compare the best holistic-friendly options available to you—including approximate premiums, deductibles, reimbursement levels, and exactly which therapies each policy covers.

More pet insurance providers are expanding their coverage to include integrative, complementary, and holistic care . However, coverage usually comes with a major caveat: the alternative therapy must be used to treat a specific, covered accident or illness (such as using acupuncture or chiropractic care for arthritis or hip dysplasia) rather than for general wellness maintenance—unless you purchase a separate wellness add-on.

Additionally, almost all providers require these treatments to be administered or prescribed by a licensed veterinarian.

Top pet insurance providers that cover or offer pathways to cover alternative therapies like acupuncture and chiropractic care include:

1. Trupanion
   • How it works: Offers an optional Recovery and Complementary Care Rider.
   • What it covers: If you add this rider, it covers an extensive suite of alternative modalities at your standard reimbursement rate, including acupuncture, chiropractic treatment, hydrotherapy, naturopathy, homeopathy, and physical rehabilitation.
2. ASPCA Pet Health Insurance
   • How it works: Available through their higher-tier plans (such as the Complete Coverage / Level 3 plans).
   • What it covers: Reimburses for alternative therapies including acupuncture, laser therapy, and herbal therapies when tied to a covered condition.
3. Figo
   • How it works: Incorporates select alternative treatments into standard or customizable packages, though specialized holistic care may require an add-on rider depending on the exact policy variant.
   • What it covers: Base or enhanced options include acupuncture and chiropractic care for diagnosed conditions.
4. Pets Best
   • How it works: Offers an optional Acupuncture and Chiropractic Treatments add-on, as well as separate coverage options for physical rehabilitation.
   • What it covers: Dedicated coverage specifically for acupuncture and chiropractic adjustments when directed by a vet for a covered medical issue.
5. Paw Protect
   • How it works: Uniquely includes complementary and alternative treatments built right into every base accident and illness policy without needing an extra rider.
   • What it covers: Physical therapy, acupuncture, and other approved complementary treatments for covered injuries or illnesses.
6. Healthy Paws & Fetch
   • Healthy Paws: Known for robust accident and illness plans that stretch to include alternative care like acupuncture and hydrotherapy, provided a licensed vet supervises it.
   • Fetch: Integrates alternative therapies (acupuncture, chiropractic) and physical rehabilitation (massage, kinesiotherapy, hydrotherapy) straight into their standard accident and illness policy without forcing you to buy an add-on.

If you'd like to narrow this down, tell me:

• What specific therapies (e.g., herbal medicine, laser therapy, hydrotherapy) are absolute must-haves for your pet?
• Does your pet have any pre-existing conditions?

I can help you evaluate which exact policy or rider fits your budget.

Yes. If holistic/alternative care is important to you, several U.S. pet insurers currently cover it—but the scope and whether it’s included or an add-on vary substantially.

Best options for holistic care

Embrace is particularly attractive for a holistic-care approach: its standard accident-and-illness policy includes acupuncture, chiropractic care, hydrotherapy, physiotherapy and therapeutic laser treatment, provided they're used for a covered condition and performed by or under the supervision of a veterinarian.

Fetch has unusually broad alternative-therapy coverage. Its policy materials specifically mention acupuncture, aromatherapy, chiropractic and homeopathic treatments, as well as physical rehabilitation such as hydrotherapy and movement therapy.

Figo includes acupuncture and chiropractic care in its plans, while rehabilitation is available as an additional coverage option.

Pets Best is worth a close look if price matters. Its Elite plan includes rehabilitative, acupuncture and chiropractic coverage; its materials also list hydrotherapy and cold-laser therapy among rehabilitation treatments.

Trupanion has perhaps the broadest named holistic menu, but there's an important catch: acupuncture, chiropractic, homeopathy, naturopathy, hydrotherapy and rehabilitative therapy require its Recovery & Complementary Care add-on.

My shortlist

If holistic treatment is a major priority, I'd start by comparing:

1. Embrace — best combination of broad complementary coverage and inclusion in the standard policy.
2. Fetch — especially interesting if you want homeopathy, aromatherapy and a broad rehabilitation menu.
3. Figo — good if acupuncture/chiropractic are your primary interests.
4. Pets Best Elite — worth considering if you want these benefits while keeping premiums competitive.
5. Trupanion + Recovery & Complementary Care — strongest if you want extensive alternative-care options and don't mind paying for the rider.

One important caveat: “holistic coverage” generally doesn't mean the insurer will pay for anything a holistic veterinarian recommends. Treatments typically must be medically necessary, related to a covered accident/illness, and provided by or under the supervision of a licensed veterinarian. Herbal supplements, vitamins, preventive treatments and treatments for pre-existing conditions can be excluded.

If you tell me your pet's species, age, breed, and state, I can narrow these down to the 3–4 policies that are most worthwhile and compare their holistic coverage, exclusions, deductibles, and likely cost.

Finding a pet insurance policy that supports integrative or holistic care requires looking closely at how an insurer defines "complementary" or "recovering" care . Most standard accident-and-illness policies focus strictly on conventional medicine unless you select a higher tier plan, buy an add-on rider, or use a provider that includes it natively.

The primary requirement across almost all insurers is that alternative therapies like acupuncture and chiropractic care must be used to treat a specific, covered medical condition (such as arthritis, trauma, or hip dysplasia) and must be administered by a licensed veterinarian or under their direct supervision. Purely experimental, unproven, or purely preventative wellness holistic care (like general herbal supplements without a diagnosis) is frequently excluded.

Top insurers providing coverage for alternative and holistic therapies include:

• Fetch Pet Insurance: Includes alternative and holistic care (such as acupuncture, chiropractic treatments, hydrotherapy, and kinesiotherapy) directly in standard accident and illness policies without requiring separate add-on packages. Check details via Fetch Pet Insurance.
• Trupanion: Covers alternative therapies—including acupuncture, chiropractic, homeopathy, naturopathy, and hydrotherapy—via their optional Recovery and Complementary Care Rider . Learn more on the Trupanion Recovery and Complementary Care Page.
• Pets Best: Covers acupuncture, chiropractic care, and physical rehabilitation under their higher-tier or elite accident-and-illness packages (often via a rehab/acupuncture/chiro add-on), provided they target a diagnosed issue. Review options at Pets Best Coverage Guide.
• Spot Pet Insurance: Built to include alternative treatments like acupuncture and chiropractic care within its standard accident-and-illness frameworks, making it a strong choice straight out of the box. Explore plans on Spot Pet Insurance via the New York Times Wirecutter Review.
• ASPCA Pet Health Insurance: Their highest-level plans (such as Level 3 / Prime) extend coverage to alternative therapies including acupuncture, laser therapy, and herbal treatments. Compare plans via ASPCA Pet Health Insurance.
• Embrace Pet Insurance: Offers a dedicated Complementary Treatments add-on or coverage scope that handles veterinary chiropractic, acupuncture, laser therapy, and hydrotherapy for diagnosed conditions. Read specifics at Embrace Complementary Treatments Coverage.
• Healthy Paws: Covers alternative care like acupuncture, chiropractic, and hydrotherapy to aid recovery from a covered accident or illness, as long as a licensed vet performs or supervises it. Details can be found at Healthy Paws Alternative Care Coverage.

If you'd like to narrow this down, please share:

• Your pet's species, breed, and age
• Which specific alternative therapies (e.g., acupuncture, herbal medicine, hydrotherapy) you plan to use regularly
• Whether you want coverage included standard or are open to add-on riders

I can help you compare the exact policy terms and estimated costs for your situation.

If holistic and complementary treatments are a priority, focus on insurers that explicitly include alternative therapies in their accident-and-illness coverage rather than treating them as optional extras. Most plans only reimburse these therapies when they are medically necessary for a covered condition and prescribed or performed by a licensed veterinarian.

Here's how several well-known insurers compare:

When comparing policies, pay close attention to these details:

• Medical necessity: Alternative therapies are almost always covered only when treating a covered illness or injury—not for general wellness or preventive care.
• Veterinary oversight: Most insurers require the therapy to be prescribed or performed by a licensed veterinarian.
• Coverage limits: Reimbursement is typically subject to your deductible, reimbursement percentage, and annual benefit limit, just like surgery or medications.
• State variations: Some benefits or riders are not available in every state.

For someone who specifically values holistic care, these are strong options:

1. Healthy Paws – One of the broadest standard coverages for holistic therapies without requiring an add-on.
2. MetLife Pet Insurance – Strong choice if you expect to use multiple complementary therapies as part of long-term treatment.
3. Embrace – Good balance of alternative therapy coverage, behavioral care, and flexible policy options.
4. Spot – Worth considering if you also want extensive rehabilitation benefits like hydrotherapy.

If you tell me your pet's species (dog or cat), age, breed, and U.S. state, I can narrow these down to the insurers most likely to offer the best combination of holistic coverage and value in your area.