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For over 20 years, we’ve supported the rapid evolution of med spa and wellness practices, providing tailored protection that grows with our clients.
We’ve seen trends rise, risks evolve, and regulations shift. Through it all, we’ve remained a trusted guide for aesthetic and functional medicine providers.
Our team brings together deep expertise in insurance underwriting, wellness operations, and advanced clinical care. You’re not just getting a policy — you’re getting a team that understands your business.
With thousands of clients and a national footprint, we’re proud to lead the industry in high-risk, specialty, and alternative care coverage.
Start your coverage journey with Juno Insure. Our tech-powered platform makes it easy to start the process — our underwriting team takes it from there.
We specialize in higher-risk services like Botox and fillers, hormone pellet insertion, ketamine therapy, stem cell treatments, and CO₂ laser procedures — the exact treatments many standard insurers exclude.
Absolutely. We work with startups, solo providers, and established franchises. Whether you’re just launching or scaling fast, we’ll help you get the right coverage in place.
You’ll get an instant estimate through our Juno quote engine, but a licensed underwriting expert will personally review your application to customize your policy.
Yes. We can cover multi-site practices, multiple providers, and even franchise groups under one policy structure or coordinated plan.
No problem. We build policies for hybrid clinics blending medical aesthetics, hormone therapy, IVs, and regenerative care.
Specialized coverage built for modern aesthetic and wellness medicine.
We write custom programs built specifically for functional medicine practices, medical spas, and integrative wellness centers, including the high-risk procedures that standard carriers decline.
Transparent starting rates so you can budget before you ever speak to an underwriter.
Every clinic is different, so we do not quote a single flat rate. Your premium is built around your actual business: the treatments on your menu, the credentials of your practitioners, your claims history, and your annual revenue.
| Practice Type | Starting Premium |
|---|---|
| New or start-up med spa, functional medicine, or wellness clinic | From $1,800–$2,500/yr |
| Multi-clinic and multi-location groups | From $5,000/yr |
| Specialty high risk (Tier 4) | From $4,000–$7,000/yr |
| Live stem cell, regenerative therapy, plastic surgery (Tier 5) | From $5,000–$7,500/yr |
Starting premiums shown are for qualified applicants with verified credentials and a clean claims history. Your final rate depends on your declared treatment menu, practitioner qualifications, claims history, and annual revenue.
Find your tier to estimate your cost. Tiers 4 and 5 are where we specialize.
| Risk Tier | Treatments Included | Starting Premium |
|---|---|---|
| Tier 1 Foundational | Chemical peels, microneedling, facials, dermaplaning, basic skincare | Lowest base rate |
| Tier 2 Injectables | Botox and Dysport, dermal fillers, mesotherapy | Standard baseline |
| Tier 3 Energy & Weight Loss | Laser hair removal, IPL, laser resurfacing, body contouring, GLP-1 and medical weight loss | Moderate to high |
| Tier 4 Specialty & High Risk | Ketamine clinics, thread lifts, IV therapy, Medical Director coverage | From $4,000–$7,000 |
| Tier 5 Advanced Regenerative | Live stem cell therapy, advanced regenerative therapy, plastic surgery | From $5,000–$7,500 |
We routinely write coverage for procedures that standard carriers decline or exclude outright.
Policies operate on a declared-activity basis. Every procedure must appear on your schedule. We audit your menu at onboarding and renewal so you never find a gap during a claim.
Physicians, nurse practitioners, physician assistants, registered nurses, and accredited aestheticians with verified training qualify for preferred terms.
A clean track record directly lowers your cost. If you have been claims free, that is reflected in your pricing.
Higher throughput statistically raises claim probability. We scale premium with revenue so a growing practice is not overpaying early.
Tools most insurers do not offer.
A tool to help new and expanding practices assess risk and viability before committing capital. Built for your business, not just an insurance form.
A continuously updated library of consent form templates covering the services we insure. Proper documented consent is one of the strongest defenses in a claim.
Coverage only matters if it works when you need it. Here is exactly what happens:
Premiums are built around your treatment menu, credentials, revenue, and claims history. Qualified start-ups typically begin between $1,800 and $2,500 per year. Multi-location groups start around $5,000. Advanced regenerative and surgical practices generally range from $5,000 to $7,500.
Yes. Ketamine clinics fall in our Tier 4 specialty programs, coverage many standard carriers decline outright.
Yes. Live stem cell therapy and advanced regenerative treatments are covered under our Tier 5 programs.
Yes. GLP-1 and medical weight loss services are covered under Tier 3.
We are licensed in all 50 states.
You file an incident report immediately. Lloyd's of London policies include access to the Juno program legal hotline, available around the clock, so you can reach counsel right away.
Yes. Policies operate on a declared-activity basis, so any procedure not listed on your schedule may not be covered. We audit your menu at onboarding and renewal to close gaps.
Our programs are backed by A-rated carriers including Lloyd's of London, MedPro, and Admiral.
Our online quote tool produces an estimate in minutes, and a licensed underwriter reviews your application to finalize terms.
Yes. Multi-clinic and multi-location programs start from $5,000 per year.
Get a quote in minutes with our online tool.
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