What is the coverage of mutual insurance?

Dog / Cat Insurance and Alternative Medicine: What are the mutual compensations?

More dog and cat owners choose animal insurance policies each year to protect their little companions.

Increasingly, alternative medicine is an integral part of humans, either as a preventative or in addition to traditional medicine, and is a form of alternative medicine that is currently practiced in the treatment of animals. Nevertheless, can the various practices that fall into the category of alternative medicine be covered by mutual animal insurance companies? Under what conditions? Let’s take a look at this case.

Alternative medicine for animals: what are we talking about?

Widely developed alternative medicine in humans is used to care for dogs and cats. Alternative medicine is a practice inspired by traditional Chinese medicine and energy medicine, which stands out as a reliable alternative or complement to traditional medicine known as allopathy.

Focusing on the well-being and well-being of animals, they are offered in many forms, some limited to manipulation and others limited to so-called natural treatments.

Let’s take a look at the main alternative medicines that apply to dogs and cats.


Acupuncture, which features the use of needles placed at the exact point, is an alternative or complement to traditional veterinary medicine. It consists of stimulating acupuncture points, which are strategic points to relieve tension and promote good circulation of energy in the body to restore a healthier balance in the animal’s body. I am.

Acupuncture includes stress, skin problems, urinary tract disorders and incontinence, respiratory problems, digestive system disorders, constipation and diarrhea, muscle and joint problems, reproductive problems, osteoarthritis, certain tumors. It can relieve many illnesses, such as pain associated with.


This alternative medicine is based on the prescription of an extremely diluted and accurate treatment to act on one or more temporary illnesses. Homeopathy, often used in addition to traditional veterinary medicine, is becoming more and more popular in dogs and cats due to its preventative properties and no adverse effects. Nevertheless, as in the context of human use, its effectiveness is often questioned from a scientific point of view.

Homeopathy helps relieve certain disorders such as stress, malaise, skin problems, digestive problems, and itching associated with insect bites.

Physical therapy

This manual therapy is based on massage practice, muscle and joint mobilization, and proprioception, which is the perception of body position in space. This form of alternative medicine is specifically targeted at animals that are undergoing rehabilitation after long-term immobilization or that have lost their mobility.

Recommended by many veterinarians for fractures, tendon injuries, stiffness, lameness, movement disorders or paralysis. In addition, it is a good precaution to help sports dogs improve their performance.


This includes local injection of very low doses of the drug into painful or hard areas. It helps to relieve problems quickly, especially if you have osteoarthritis, ligaments, muscles, skin, or even digestive problems.


This procedural therapy, which is based on animal manipulation, can relieve certain local pains. Through massage and gentle movements, the practitioner stimulates blood and lymph circulation, helps release certain tensions and relieves installed pain.

Osteopathy can relieve multiple problems such as stress, aggression, failure to thrive, joint and muscle disorders, stiffness, vomiting, diarrhea, and reproductive problems.

Phytotherapy and aromatherapy

These natural medicines are based on the positive principles of plants to stimulate the animal’s natural defenses, stimulate its immune system and relieve certain disorders. They are provided in the form of essential oils in the context of aromatherapy and in the form of low-concentration extracts in the context of phytotherapy.

It is effective in cases of fatigue, stress, anxiety, digestive disorders, skin disorders, osteoarthritis and can only be prescribed with veterinary advice to avoid the risk of poisoning.

What coverage of mutual alternative medicine for animals?

Alternative medicine is a very recent concern for animal commensals. As a result, few prescriptions yet offer coverage for alternative care. Nonetheless, they tend to occupy an increasingly important position in the market in the face of increasing demand from dog and cat owners for these drugs, which are milder than symptomatic treatments, and fierce competition between brands. I have. Animal insurance.

For many contracts, the management of alternative medicine is included in the preventive package. This includes many treatments aimed at promoting animal health and reducing the need for veterinary expenses. Therefore, they generally include the costs of vaccination, anthelmintic drugs, anthelmintics, sterilization and castration, therapeutic diets and, in some cases, alternative medicine.

However, some insurance companies offer a flat rate per year for certain alternative veterinary drugs, or, more rarely, even include their coverage in classic prescriptions. However, we hope that the development of these mild treatments, which have been recognized for their benefits, will increase insurers’ coverage and related benefits.

However, the management of these alternative medicines is often subject to a veterinarian-issued prescription and the intervention of a competent and qualified veterinarian.

However, keep in mind that if some companies include alternative medicine management in all basic contracts, it will rarely be complete. Indeed, the reimbursement of these alternative therapies is, in the overwhelming majority, partial.

How to choose the right dog / cat insurance for alternative medicine?

If you want to get an insurance policy that provides full or partial coverage of the costs associated with the practice of alternative medicine for your little companion, the online comparator is still the most interesting tool. Indeed, it allows you to receive a series of offers tailored to your budget and your dog or cat needs in just a few seconds after you complete a brief survey.

Comparator is a free and non-binding tool. That way, you have all the time you need to study the proposals made to you and request a detailed quote for your attention-grabbing proposals.

Once you have these quotes, take the time to carefully compare them and identify the offer that offers the best quality / price ratio with equal guarantees. In addition, you can rely on other suggestions you receive to negotiate with the insurance company of your choice, even lower rates and / or various other benefits. Enough to still make big savings while taking care of your pet’s health!

Pay close attention to the terms and conditions of alternative medicine under your insurance policy. Indeed, some contracts offer only an annual lump sum, others offer only limited coverage, and others refund all or almost all of this care, sometimes to traditional medicine. Will be integrated. Carefully consider these Terms of Use to avoid unpleasant surprises.

Finally, when you consult a veterinarian who specializes in alternative medicine for your little companion, remember to choose a licensed and recognized practitioner. Indeed, some insurance companies refuse compensation in case of doubt. Also, check the coverage, that is, the prescription requirements, etc. in advance.