Several pet insurance providers cover holistic and alternative therapies like acupuncture, chiropractic care, and hydrotherapy. Embrace and Fetch are frequently recommended for including these services in their standard policies at no extra cost. Other providers like Trupanion offer this coverage through an optional add-on rider, while companies like ASPCA and MetLife also feature these treatments, provided they are prescribed by a veterinarian for a covered condition.
2TrupanionTrupanion provides access to a wider range of alternative treatments, such as naturopathy and homeopathy, specifically through their optional Recovery and Complementary Care rider.70%
3Embrace Pet InsuranceEmbrace is a strong choice as it covers complementary treatments, including acupuncture and physical therapy, within its standard policies without requiring extra fees or policy add-ons.64%
Finding a pet insurance policy that covers holistic, alternative, or rehabilitative therapies usually requires looking closely at standard plan inclusions versus optional add-ons. Most providers require alternative treatments to be prescribed by a licensed vet and used to treat a specific, covered accident or illness (rather than just general wellness).
Top pet insurance providers that include or offer coverage for holistic and alternative therapies:
Healthy Paws Pet Insurance : Alternative care—such as acupuncture, chiropractic care, and hydrotherapy—is included in their standard accident and illness policies, provided the treatment is administered by a licensed veterinarian to treat an eligible condition.
MetLife Pet Insurance : Their standard accident-and-illness coverage extends to an extensive list of alternative and complementary therapies when prescribed by a vet, including acupuncture, chiropractic care, laser therapy, hydrotherapy, aromatherapy, and herbal remedies.
ASPCA Pet Health Insurance : Their comprehensive accident-and-illness plan covers a broad spectrum of alternative treatments—including acupuncture, chiropractic care, hydrotherapy, physical therapy, and even stem cell treatments—as long as they address an eligible underlying condition.
Lemonade Pet Insurance : Lemonade offers an optional Physical Therapy add-on that can be bundled into your base policy to cover treatments like acupuncture and hydrotherapy resulting from an accident or illness. (Note: They generally exclude purely experimental or alternative "medicines" like general CBD or aromatherapy oils under this package).
Spot Pet Insurance : Spot includes coverage for alternative therapies like acupuncture, chiropractic care, and hydrotherapy in their standard plans, provided a licensed vet performs or refers the treatment for a covered issue.
Note on exclusions: Providers like Pets Best require you to upgrade to their highest tier (Elite) to get coverage for these treatments, while others completely exclude unproven or herbal/holistic therapies, so always check the specific policy wording before enrolling.
To help narrow down the best fit, let me know:
What specific alternative therapies (e.g., acupuncture, herbal medicine, hydrotherapy) do you use or plan to use?
What is your pet's species, breed, and age?
I can help you compare quotes or check policy fine print for these options.
Yes. If holistic/alternative veterinary care is a priority, several U.S. insurers currently advertise coverage for therapies such as acupuncture, chiropractic care, hydrotherapy, laser therapy, and rehabilitation.
Providers worth comparing
Embrace Pet Insurance — Its accident-and-illness policy includes complementary/holistic treatments such as acupuncture, chiropractic care, hydrotherapy, therapeutic laser, and physiotherapy, when used for a covered condition and performed by or under the supervision of a veterinarian.
MetLife Pet Insurance — Advertises coverage for acupuncture, chiropractic care, hydrotherapy, laser therapy, and other holistic treatments when prescribed as part of treatment for a covered condition. Its coverage page also specifically mentions prescribed holistic care such as herbal remedies and aromatherapy.
ASPCA Pet Health Insurance — Its Complete Coverage plan lists acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy as alternative therapies for covered conditions. California-specific materials also show an alternative-therapy benefit.
Pets Best — Offers coverage for acupuncture and chiropractic treatment administered by a licensed veterinarian, plus physical rehabilitation; some options are configurable/add-on coverage.
AKC Pet Insurance — Some newer plans cover chiropractic work, acupuncture, herbal therapy, and homeopathic treatments, although availability varies by state.
One important distinction
"Holistic" doesn't necessarily mean anything your holistic veterinarian recommends. Most policies require the treatment to address a covered accident or illness, be prescribed/administered by a veterinarian, and meet the policy's specific definition of an eligible therapy. Supplements, herbal products, wellness treatments, and experimental therapies can have very different rules.
If you tell me your pet's species/breed, age, and the specific therapies you want covered (e.g. acupuncture, chiropractic, herbs, homeopathy, hydrotherapy, massage), I can compare the relevant plans—including California availability and current pricing—side by side.
If holistic/alternative care is a priority, several U.S. pet insurers currently offer meaningful coverage. The key is that most require the therapy to treat a covered illness or injury and be performed or prescribed by a veterinarian.
Providers worth comparing
Embrace Pet Insurance — Its accident-and-illness policy includes complementary treatments at no extra charge, including acupuncture, chiropractic care, hydrotherapy, physiotherapy, and therapeutic laser treatment.
ASPCA Pet Health Insurance — Its Complete Coverage plan covers acupuncture, physiotherapy, chiropractic care, rehabilitative therapy, hydrotherapy, and low-level laser therapy for covered conditions.
MetLife Pet Insurance — Covers prescribed holistic care such as herbal remedies and aromatherapy, as well as alternative therapies including chiropractic care, acupuncture, and hydrotherapy, subject to policy terms.
AKC Pet Insurance — Some of its newer plans cover chiropractic work, acupuncture, herbal therapy, and homeopathic treatments; availability varies by state. It also says laser, hydrotherapy, and physical therapy are covered under its plans separately from the alternative-therapy category.
Spot Pet Insurance — Spot states that its plans can cover alternative therapies, and its Washington, D.C. information specifically mentions coverage for pets requiring alternative therapies.
One important distinction
If by “holistic” you mean acupuncture, chiropractic, hydrotherapy, rehab and laser therapy, there are several solid options.
If you specifically mean herbal remedies, homeopathy, aromatherapy, supplements, or CBD, the field gets narrower and the restrictions become much more important. For example, Embrace excludes non-FDA-approved veterinary vitamins/herbal supplements from its complementary-treatment benefit, while MetLife specifically lists prescribed herbal remedies and aromatherapy as potentially covered.
If you tell me your pet's species, age, and state, plus which therapies you want covered (e.g. acupuncture, chiropractic, herbal medicine, CBD, hydrotherapy), I can compare the relevant plans and their current coverage details.
If holistic/alternative treatment is a priority, several U.S. pet insurers currently offer meaningful coverage. The exact policy and availability can vary by state, so I’d focus on these:
MetLife — Covers veterinarian-prescribed holistic/alternative care including acupuncture, chiropractic care, hydrotherapy, laser therapy, and certain herbal remedies for covered conditions.
Embrace Pet Insurance — Includes complementary treatments such as acupuncture, chiropractic care, hydrotherapy, physiotherapy, and therapeutic laser.
AKC Pet Insurance — Some plans offer alternative/holistic coverage for acupuncture, chiropractic treatment, herbal therapy, and homeopathy; availability varies by state.
Liberty Mutual — Its pet policies can cover holistic, homeopathic, acupuncture, chiropractic, hydrotherapy, aromatherapy, and physiotherapy, subject to conditions and state availability.
Trupanion — Offers broader alternative-care coverage through its Recovery & Complementary Care option, including treatments such as acupuncture, chiropractic, hydrotherapy, and rehabilitative therapies.
What I'd check before enrolling
The important distinction is “covered” vs. “covered under an add-on.” Also check whether the policy requires:
A veterinarian to diagnose the condition and prescribe the therapy
Treatment by a licensed veterinarian or supervised provider
The condition to be an accident/illness rather than wellness or prevention
A separate annual limit for alternative therapies
Coverage for the specific therapy you want (e.g., herbal medicine or homeopathy can be treated differently from acupuncture)
If you tell me your pet's species, age, state, and which therapies you want covered (for example, acupuncture + chiropractic + herbal medicine), I can compare the relevant plans and current pricing/coverage for you.
When looking for pet insurance that covers holistic, complementary, and alternative therapies (such as acupuncture, chiropractic care, hydrotherapy, laser therapy, and sometimes herbal treatments), several top providers stand out.
Keep in mind that most insurers require these therapies to be prescribed by a licensed veterinarian to treat a specific, covered medical condition rather than for general wellness.
Top Pet Insurance Providers for Alternative Therapies
Healthy Paws : Widely recognized for inclusive coverage, Healthy Paws includes alternative and holistic therapies (such as acupuncture, hydrotherapy, chiropractic care, physical therapy, and massage therapy) directly under its standard accident-and-illness plan at no extra cost or add-on fee. You can review their details via Healthy Paws Pet Insurance.
ASPCA Pet Health Insurance : Their comprehensive Complete Coverage plan covers a robust list of alternative treatments when used for a covered condition—including acupuncture, chiropractic care, hydrotherapy, low-level laser therapy, physical therapy, and even stem cell treatments. Explore options on ASPCA Pet Health Insurance.
MetLife Pet Insurance : MetLife stands out for being unusually inclusive of broader holistic remedies. Their standard accident-and-illness coverage can include treatments like acupuncture, aromatherapy, CBD oil, chiropractic care, herbal remedies, hydrotherapy, and laser therapy (provided they are prescribed by a vet). Look into plans via MetLife Pet Insurance.
Nationwide Pet Insurance : Nationwide covers alternative treatments—including acupuncture, chiropractic care, and general holistic care—as long as they are specifically performed or prescribed by a veterinarian to treat an eligible medical condition.
Spot Pet Insurance : Spot includes coverage for alternative therapies (like acupuncture and chiropractic care) in its standard accident and illness packages, and they also feature access to a 24/7 telehealth line. Check out details on Spot Pet Insurance via Forbes.
Quick Comparison Checklist Before Buying
Standard vs. Add-on: Check whether the holistic care is built into the base policy (like Healthy Paws) or requires an optional rider/endorsement.
Herbal & Supplements: Companies like Pets Best may cover physical rehabilitation (hydro/laser/acupuncture) under higher tiers, but explicitly exclude herbal or holistic remedies. If you want things like Chinese herbs or CBD covered, double-check the fine print (MetLife and ASPCA are typically friendlier here).
Provider Qualifications: Most insurers stipulate that the alternative therapy must be performed by a licensed veterinarian or under their direct physical supervision.
To help narrow down the best fit, tell me:
What specific alternative therapies (e.g., acupuncture, herbal medicine, hydrotherapy) do you expect to use?
Is your pet a dog or a cat , and roughly how old are they?
Several top pet insurance providers include coverage for holistic, alternative, and rehabilitative therapies. However, "alternative care" can mean different things to different insurers—some cover acupuncture and chiropractic care standard, while herbal or naturopathic treatments might require an add-on rider or specific tier.
A breakdown of top providers that explicitly accommodate alternative and holistic therapies includes:
Fetch Pet Insurance
What’s covered: Standard accident and illness plans include comprehensive coverage for alternative and holistic treatments like acupuncture, chiropractic care, hydrotherapy, massage, and kinesiotherapy.
The catch: Treatments must be prescribed and administered by a licensed veterinarian.
Healthy Paws
What’s covered: Standard policies cover a broad scope of alternative care, including acupuncture, chiropractic care, homeopathy, hydrotherapy, laser therapy, massage, physical therapy, and even veterinary herbal therapy.
The catch: Must be performed by a licensed vet or under their direct supervision, and it must treat a specific covered accident or illness.
Trupanion
What’s covered: Through their optional Recovery and Complementary Care Rider , Trupanion covers treatments like acupuncture, hydrotherapy, naturopathy, homeopathy, and chiropractic care.
The catch: This isn’t always part of the base policy; you must opt for the add-on rider at enrollment to get the expanded alternative care coverage.
Spot Pet Insurance
What’s covered: Their standard accident and illness plans allow you to submit claims for alternative therapies such as acupuncture, chiropractic treatments, and hydrotherapy.
The catch: Must be diagnosed and performed by a licensed vet to treat an eligible condition.
Pets Best
What’s covered: Their higher-tier accident-and-illness plans (like the Elite tier) cover alternative and rehabilitative care including acupuncture, chiropractic care, cold laser therapy, and hydrotherapy.
The catch: They explicitly exclude experimental, herbal, and broader holistic therapies that aren't backed by published articles in peer-reviewed journals.
Important Rules to Keep in Mind
The "Licensed Vet" Rule: Almost universally, insurance companies require alternative treatments (like acupuncture or physical rehab) to be performed by a licensed veterinarian or a certified practitioner supervised directly by a vet.
Pre-Existing Conditions: No mainstream insurer will cover alternative therapies if they are meant to treat a condition that showed symptoms or was diagnosed before your policy's waiting periods ended.
Herbal vs. Physical: Physical alternative care (hydrotherapy, laser, acupuncture) is much more widely covered than herbal or nutritional holistic care. If herbal or vitamin remedies are a priority for you, double-check the fine print.
To help narrow down the best choice, tell me:
What specific alternative therapies (e.g., acupuncture, herbal remedies, chiropractic) are you looking to cover?
What is your pet's species, breed, and age?
I can help you compare quotes or check policy specifics for these providers.
Metlife Pet Insurance - 11333 N Scottsdale Rd, Ste 160, Scottsdale, AZ 85254
Leonard Adams Insurance - 5201 SW Westgate Dr, Ste 300, Portland, OR 97221
Insurance Solutions NW - Portland, OR 97216
Yes. If you're in Oregon, I’d put MetLife Pet Insurance near the top of the list for this specific need. Its policies can cover holistic and alternative treatments—including acupuncture, chiropractic care, hydrotherapy, and prescribed holistic care such as herbal remedies—when they’re prescribed by a veterinarian for a covered condition.
Good options to compare
MetLife Pet Insurance — Strongest match if you want broad holistic coverage. Alternative therapies and prescribed holistic care are specifically listed as covered.
AKC Pet Insurance — Some newer plans cover chiropractic care, acupuncture, herbal therapy, and homeopathic treatments. Availability varies by state, and treatment generally needs to be for a covered condition and veterinarian-recommended.
PetPartners — Its CompanionCare accident-and-illness plan includes AlternativePlus, with acupuncture, chiropractic treatment, vitamins/supplements, and herbal therapy among the examples.
Rainwalk Pet Insurance — Offers an optional benefit covering holistic/alternative treatments such as acupuncture, chiropractic care, and hydrotherapy. It currently says coverage is available in 45 states, subject to state and policy restrictions.
My first two quotes would be MetLife and PetPartners, then I'd compare them based on your pet's age, breed, and the exact therapies you expect to use.
One important catch: "covers alternative therapy" usually doesn't mean unlimited coverage for wellness treatments. Policies commonly require the therapy to treat a covered medical condition, be medically necessary/prescribed, and satisfy the policy's exclusions and limits.
If you tell me your pet's species, age, breed, and which therapies you want covered (e.g. acupuncture, chiropractic, massage, herbal medicine, homeopathy, hydrotherapy), I can narrow this down to the best 2–3 policies and compare them.
Several reputable pet insurance providers cover holistic, integrative, and alternative therapies , usually under their standard comprehensive accident-and-illness policies or via specific add-on packages.
The industry standard requirement across almost all providers is that the alternative therapy must be used to treat a covered, non-pre-existing condition and must be administered by a licensed veterinarian or certified practitioner.
Top pet insurance providers that include coverage for alternative and holistic therapies:
Coverage: Their "Complete Coverage" plan explicitly covers alternative therapies such as acupuncture, chiropractic care, hydrotherapy, low-level laser therapy, physical therapy, and even stem cell treatments when treating a covered condition.
Coverage: Renowned for straightforward accident and illness plans, Healthy Paws includes alternative care—like acupuncture, chiropractic care, and hydrotherapy—in their standard coverage to help pets recover from a new injury or illness.
Key Fine Print to Check:
The "Licensed Vet" Rule: If a non-vet holistic practitioner (like a lay-massage therapist or unlicensed herbalist) performs the therapy, the claim will almost always be denied.
Exclusions: True herbal supplements, experimental treatments, CBD/hemp products, and raw/holistic diets (prescription food) are heavily restricted or outright excluded by most standard carriers, even if they cover physical therapies like acupuncture.
If you can tell me which specific alternative therapies you plan to use (e.g., acupuncture, herbal remedies, physical rehabilitation) and your pet’s species and age , I can help you narrow down which of these providers offers the best fit and value.
If you're in Texas, I’d put Embrace at the top of your list for holistic/alternative therapy coverage. Its accident-and-illness policy includes complementary treatments at no extra charge, including acupuncture, chiropractic care, hydrotherapy, physiotherapy, and therapeutic laser treatment, when performed by or under the supervision of a licensed veterinarian.
Other strong options:
MetLife Pet Insurance — covers prescribed holistic and alternative treatments such as acupuncture, chiropractic care, hydrotherapy, and laser therapy for covered conditions.
PetPartners — its AlternativePlus coverage includes acupuncture, chiropractic care, herbal therapy, homeopathy, and vitamins/supplements.
ASPCA Pet Health Insurance — standard plans cover alternative therapies, according to NerdWallet's 2026 Texas comparison.
AKC Pet Insurance — some newer plans cover acupuncture, chiropractic, herbal therapy, and homeopathic treatments, although availability varies by state and plan.
My recommendation
Embrace is probably the best fit if your priority is broad alternative/rehabilitative care without having to buy a separate alternative-therapy rider.
One important catch: these policies generally require the therapy to treat a covered medical condition, rather than simply being used for general wellness or prevention. Supplements and herbal products can have additional exclusions.
If you tell me your pet's species, age, breed, and ZIP code, I can compare the best 3–5 options for your specific situation, including monthly premiums, deductibles, reimbursement percentages, alternative-therapy coverage, and exclusions.
When looking for pet insurance that covers holistic, alternative, and rehabilitative therapies, you have a few top-tier providers that either include these treatments natively in their base accident-and-illness policies or offer them through specific add-on riders.
Keep in mind that across almost all providers, alternative therapies must be prescribed by a licensed veterinarian and performed by a licensed vet or certified professional to qualify for reimbursement.
Top Pet Insurance Providers for Holistic Care
ASPCA Pet Insurance
How it works: Their standard Complete Coverage plan natively includes alternative therapies as long as they are used to treat a covered accident or illness. You don’t need an extra rider.
What it covers: Acupuncture, chiropractic care, hydrotherapy, low-level laser therapy, physical therapy, physiotherapy, and rehabilitative therapy.
Learn more: Compare policy tiers on the ASPCA Pet Insurance Official Site.
Pumpkin Pet Insurance
How it works: Pumpkin builds alternative therapies directly into its standard accident-and-illness base plan with no extra add-on fees required.
What it covers: Physical therapy, laser red-light therapy, acupuncture, and certain related rehabilitative treatments for eligible conditions.
How it works: Trupanion covers alternative treatments through their optional Recovery and Complementary Care Rider.
What it covers: Acupuncture, hydrotherapy, rehabilitative therapy, homeopathy, and chiropractic treatments.
Learn more: Review rider specifics on the Trupanion Official Site.
MetLife Pet Insurance
How it works: Their standard accident-and-illness policies cover a broad selection of complementary and alternative treatments when prescribed for a covered condition.
What it covers: Acupuncture, aromatherapy, CBD oil, chiropractic care, herbal remedies, hydrotherapy, laser therapy, and physical therapy.
Learn more: Explore plan options at MetLife Pet Insurance.
Important Caveats to Check Before Buying
The "Covered Condition" Rule: Most insurers will only pay for alternative treatments (like laser therapy or acupuncture) if they are a prescribed medical necessity to treat an underlying diagnosed issue, such as arthritis or post-surgical recovery. They typically won't cover general wellness or preventative holistic care unless you have a dedicated wellness add-on.
Herbal & Holistic Exclusions: Some lower-tier providers or specific policies explicitly exclude herbal remedies or experimental holistic treatments, even if they cover physical rehabilitation like hydrotherapy. Always review the sample policy wording for the exact terms on "herbal" or "supplements".
If you'd like, tell me:
Your pet's species, breed, and age
Which specific alternative therapies (e.g., acupuncture, herbal, chiropractic) you anticipate needing most
I can help you narrow down which provider offers the best value and reimbursement for your situation.
Healthy Paws — Oregon comparisons have noted coverage for alternative therapies including hydrotherapy, acupuncture, chiropractic therapy, physical therapy, and massage therapy.
Coverage: MetLife covers holistic and alternative treatments as long as they are prescribed by a veterinarian as part of an active treatment plan for an eligible medical condition. This includes laser therapy, acupuncture, hydrotherapy, and chiropractic care.
Coverage: Embrace covers alternative treatments (such as acupuncture, hydrotherapy, and rehabilitative therapy) under their standard illness and accident policies, provided it is deemed medically necessary by your vet.
Coverage: Lemonade covers physical-therapy-adjacent alternative treatments like acupuncture and hydrotherapy, but only if you purchase their optional Physical Therapy add-on and it addresses a functionality issue from a covered accident or illness. Note that they generally exclude herbal/other alternative medicines like CBD or aromatherapy.
