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Coverage guide

Does pet insurance cover alternative therapies?

Acupuncture, hydrotherapy, and chiropractic care are covered by some plans when prescribed for a covered condition.

⚠️ Partially covered. Acupuncture, hydrotherapy, and chiropractic care are covered by some plans when prescribed for a covered condition.

A growing number of insurers include rehabilitative and alternative therapies (acupuncture, hydrotherapy, laser, chiropractic) when a vet prescribes them to treat a covered illness or injury.

Coverage and limits vary widely, and purely elective or maintenance treatments are usually excluded.

If your pet may need rehab after surgery, this clause is worth comparing between insurers.

What to do

If rehab matters to you, compare insurers specifically on alternative-therapy coverage.

Try next: Is pet insurance worth it? · Reimbursement calculator · Vet cost estimator

General information based on standard North American pet insurance practice. Coverage varies by insurer and policy — always read your documents. Not financial or veterinary advice.

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Frequently asked questions

Acupuncture, hydrotherapy, and chiropractic care are covered by some plans when prescribed for a covered condition.

Yes. Pet insurance never covers pre-existing conditions, so enrolling while your pet is young and healthy is when coverage is broadest and cheapest.

After your deductible, the insurer reimburses your plan percentage (commonly 70%, 80%, or 90%) up to your annual limit. Use the reimbursement calculator to see the exact figure for any bill.