Insurance Companies Covering Integrative/Holistic Therapy

At Holistic Harmony Veterinary Services (HHVS), pet insurance is welcomed, though not required. Whether insured or not, Dr. Shah will thoughtfully tailor a care plan that aligns with your pet’s needs and your comfort. Our goal is to provide personalized, integrative care in a way that feels manageable and intentional

Many pet insurance providers now support holistic and alternative therapies, helping make integrative care more accessible for your pet. Coverage varies by company—some include it in standard plans, while others offer it as an optional wellness upgrade. Below, you’ll find a helpful overview of how different insurers handle alternative therapy benefits

Please note that insurance policies and coverage requirements can change over time. We recommend contacting your insurance provider directly to confirm what alternative or holistic therapies are currently included in your plan

  • The Complete Coverage plan for dogs and cats covers the following alternative therapies if they’re used to treat a covered condition: acupuncture, chiropractic care, hydrotherapy, low-level laser therapy, physical therapy, physiotherapy, rehabilitative therapy, and stem cell treatments.
  • The Accident-Only plan for dogs and cats covers alternative therapy like acupuncture, chiropractic care, and stem cell therapy as treatment for an accident.
  • The Complete Coverage plan for dogs and cats covers the following alternative therapies if they’re used to treat a covered condition: acupuncture, chiropractic care, hydrotherapy, low-level laser therapy, physical therapy, physiotherapy, rehabilitative therapy, and stem cell treatments.
  • The Accident-Only plan for dogs and cats covers alternative therapy like acupuncture, chiropractic care, and stem cell therapy as treatment for an accident.
  • The accident-and-illness policy covers alternative and holistic care, including acupuncture, chiropractic care, and physical therapy. Complementary therapy that’s not administered by a vet and complementary therapy to treat weight loss aren’t covered.
  • Figo’s accident-and-illness policy covers alternative and holistic medications and treatments, and they must be prescribed by a veterinarian and provided by or under the direct supervision of a veterinarian. Covered therapies include acupuncture, chiropractic care, and magnet therapy. Cell-replacement therapies may be covered, subject to review and approval by Figo’s medical director.
  • The following types of rehabilitative therapy can be covered if prescribed and administered by a licensed veterinarian: cryotherapy, heat therapy, laser therapy, range of motion and therapeutic exercises, swimming, and underwater treadmill therapy.
  • Healthy Paws’s policy covers the following types of alternative care and therapy: acupuncture, chiropractic, homeopathy, hydrotherapy, laser therapy, massage, physical therapy, and veterinary herbal therapy.
  • Lemonade’s Physical Therapy Add-On covers acupuncture, chiropractic care, hydrotherapy, and physical therapy.
  • The accident-and-illness plan for dogs and cats covers select alternative and complementary therapies, but they must be prescribed by a veterinary provider and performed by a veterinarian or a veterinary staff member under the direct supervision of a veterinarian.
  • The covered therapies are acupuncture, aromatherapy, CBD oil, chiropractic care, herbal remedies, hydrotherapy, laser therapy, physical therapy, and physiotherapy. Cell-replacement therapies can be covered if deemed medically necessary by MetLife pet insurance’s medical director.
  • Nationwide’s Modular Pet Insurance Plan for dogs and cats, Major Medical plan, Major Medical With Wellness plan, My Pet Protection plan for dogs and cats, and Whole Pet plan for dogs and cats cover physical and rehabilitative therapy.
  • The Elite tier of Pets Best’s accident-and-illness plan covers the following alternative treatment and rehabilitative care: acupuncture, chiropractic care, cold laser therapy, hydrotherapy, physical rehabilitation, and physical therapy.
  • The following are excluded: experimental therapies, herbal therapies, holistic therapies, and therapies not indicated in published articles in peer-reviewed journals as beneficial for a specific injury or illness.

The accident-and-illness policy covers stem cell therapy, acupuncture, hydrotherapy, and physical therapy performed by a vet or at a facility with a supervising vet on staff. Experimental and investigational treatment aren’t covered.

  • Spot’s accident-and-illness policy covers alternative therapies performed by a veterinarian or in a facility with a supervising veterinarian on the staff, and the accident-only policy covers alternative therapies without further specification. Covered therapies include acupuncture and stem cell therapy.
  • Trupanion’s standard policy covers physical therapy and herbal therapy. For herbal therapy, the herbs or combinations of herbs must be for medicinal purposes and labeled with an ingredient analysis. These must also be recommended or prescribed by your vet.
  • Trupanion’s optional Recovery and Complementary Care add-on covers: Acupuncture, Behavior Modification and Therapy, Chiropractic care, Homeopathy, Hydrotherapy, Naturopathy, Physical Therapy, Rehabilitative Therapy 

Reimbursement and Coverage

  • Coverage for integrative services, including acupuncture, laser therapy, herbal therapy, and nutrition consultations, varies by provider and policy.

  • We cannot guarantee reimbursement and encourage clients to confirm benefits with their insurance provider prior to service.

  • Most insurance policies do not cover pre-existing conditions, so we recommend reviewing your plan carefully.

Documentation Support

  • We provide detailed medical records and itemized invoices to facilitate smooth claim submission.

  • Estimates can be provided in advance so you can confirm coverage with your provider.

Payment

  • Payment is due at the time of service.

  • We do not bill insurance providers directly; clients submit claims to their insurance company for reimbursement.

Your Pet's Wellness

Exceptional care should feel accessible. Dr. Shah collaborates with pet owners to prioritize treatments thoughtfully, ensuring your pet receives the highest quality integrative care while respecting your budget and goals.