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Complementary treatment cover

Complementary treatment cover

We'll help keep your pet healthy and happy

Provided by Pinnacle Insurance plc

Relax. We’ve got this

Complementary treatments like hydrotherapy, acupuncture and massage aren’t just helpful for people – they can be perfect for pets too.

And when your vet recommends a complementary treatment alongside standard veterinary care, we’ll be there to help cover the cost. So relax knowing that we have got you covered.

What you’re covered for

When you protect your pet with Sainsbury’s Bank Pet Insurance, we’ll cover the costs of complementary treatments your vet recommends – up to the limits set out below and in your Certificate of Insurance.

There are some breeds that we won't cover under our £10,000 limit which you can find details of in our FAQ section. Please note that we won't cover any pre-existing conditions and that terms, conditions, excesses and exclusions and limitations apply. You can find out more about the terms of our cover in our policy documents.

Complementary treatment cover

Cats and dogs

Time limited £3,000 Lifetime £2,500 Lifetime £5,000 Lifetime £7,500 Lifetime £10,000 Maximum benefit £3,000 Maximum benefit £6,000
Cover for 12 months or up to max amount below* Covers up to max amount below each year* Covers up to max amount per condition*
£500 £750 £1,500 £1,500 £1,500 £1,500 £1,500



Lifetime £2,000
Covers up to max amount below each year*

*Part of overall vet fee limit

What are complementary treatments?

Complementary treatments for animals and pets are treatments used alongside standard or conventional vet care.

Every treatment is different – but they’re generally used to relieve pain, prevent future health problems and help with recovery after surgery.

What complementary treatments do we cover?

See what complementary treatments we cover when you protect your pet with us.

When you protect your pet with us, we’ll help cover the costs of the following complementary treatments. To be covered under our policy, all treatments must be recommended by your vet, veterinary practice or a member of an approved professional organisation. Each treatment is covered up to the policy limit detailed in the Certificate of Insurance.


Hydrotherapy treatment can be used to help pets and animals relieve pain, reduce swelling, increase mobility and recover following surgery.

It’s mostly used for dogs (you may know it as dog hydrotherapy or canine hydrotherapy) but it can help other animals too, including cats and rabbits.


Osteopathy is a complementary treatment that can help diagnose, treat and prevent various pet health problems.

An animal osteopath, or osteopathic vet, can help with problems and conditions including:

  • Back, neck and joint pain
  • Hip or elbow joint dysplasia
  • Lameness, weakness or limping

Massage and healing

We all know how beneficial a massage can be for our health and wellbeing. And it’s no different for pets.

Massage and healing can be used alongside conventional veterinary care to help:

  • Manage common pet health conditions like arthritis and hip dysplasia
  • Reduce pain, tension and stress
  • Speed up recovery from injury or surgery

Laser therapy

Veterinary laser therapy is a non-invasive and pain-free complementary treatment used to care for a number of common pet health conditions, including arthritis and hip dysplasia.

Alongside standard veterinary care, laser therapy treatment can help:

  • Increase circulation to problem areas
  • Reduce pain and inflammation
  • Repair tissue damage
  • Treat sprains and strains

Electrical muscle stimulation

Electrical muscle stimulation, or electrical stimulation therapy, is a complementary treatment that can help pets recover faster from injury or surgery.

It can be used on pets, including cats and dogs, to relieve pain, reduce inflammation and strengthen muscles.


This traditional Chinese medicine, where small needles are inserted into specific points in the body to relieve pain, is one of the most popular complementary therapies around. And it’s pretty popular with pets too.

Acupuncture is used for cats, dogs and rabbits with health problems and conditions such as:

  • Back pain and spinal problems
  • Digestive diseases and disorders
  • Joint conditions and diseases including arthritis and hip dysplasia

Chiropractic treatment

Is your pet suffering from neck or back pain? Or having a hard time moving around? An animal chiropractor may help get them back on track.

Just like with humans, an animal chiropractor can help diagnose and treat disorders that affect your pet’s bones, muscles and joints.

Could complementary treatments help your pet?

Everyone has their own opinions on the benefits of complementary therapy. But there’s no doubt they’re becoming more and more common in pet healthcare. And if your vet recommends any of the treatments above, we’ve got you covered.

Make a claim for complementary treatments

If your vet has recommended a complementary treatment for your pet, and it’s being carried out by a registered veterinary practice or an approved professional organisation, simply go ahead and make a claim online in My Pet Portal.

Helpful guides for your pet

Keep your pet healthy and happy with our handy guides and information.

 Pet insurance vs self insuring

Pet health and wellbeing

Hints and tips to keep your cat or dog in good health

What else am I covered for?

What else am I covered for?

Find out what other covers come with your pet insurance

 Vets explained

Vets explained

Everything you need to know about vets – all in one place


Any questions?

Got a query about complementary treatment cover or how our pet insurance works? We’ve pulled together the answers to some of the most common questions we get from our customers.


Ready to protect your pet?

If you’ve been looking for pet insurance that covers the cost of complementary treatments like hydrotherapy or acupuncture, we’ve got you covered.


Need to talk to us?

Call 0344 543 1032

Other contact details

We’re here Monday to Friday, 8am-6pm and Saturday, 9am-1pm. Calls are charged at local rates from landlines and mobiles and may be monitored and recorded.

Terms and conditions

Important information

Sainsbury's Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no. 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register no. 184514). Sainsbury's Supermarkets Ltd is an appointed representative of Sainsbury's Bank plc.

Sainsbury's Bank plc acts as an introducer to Pinnacle Insurance plc who is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered Office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX. Sainsbury’s Bank plc and Pinnacle Insurance plc are not part of the same corporate group.

Information on how we collect and use your personal data is available to read in our Privacy Policy