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Health & Medical Spa Insurance for Advanced Aesthetic & Regenerative Practices

MedispaCover (a division of Wellness Medical Protection Group®) is tailored protection for aesthetic providers, injectors, and wellness clinics. Receive Instant quotes, concierge support, and high-risk coverage.

Rooted in Experience. Centered on Care.

At WMPG, we’re more than just a malpractice insurance agency. We’re specialists in the business of protecting innovation in aesthetic and regenerative wellness. From injectables to hormone optimization, weight loss, IV therapy, and advanced energy devices, we understand how modern medical spas operate, and we’ve built our products around you.

Our mission is to empower providers to practice with confidence, knowing their coverage is built for today’s risks and tomorrow’s possibilities.
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Established in 2001

For over 20 years, we’ve supported the rapid evolution of med spa and wellness practices, providing tailored protection that grows with our clients.

A-Rated

Your policy is backed by trusted A-rated insurance markets, including Lloyd’s of London, MedPro, and Admiral, for strong and dependable protection.

25+ Years in the Industry

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.

All 50 States

We provide coverage across all 50 states, making it easy to protect your practice whether you operate in one location or across multiple states.

Largest Med Spa Insurance Agency in the U.S.

With thousands of clients and a national footprint, we’re proud to lead the industry in high-risk, specialty, and alternative care coverage.

75+ Years of Combined Expertise

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.

Who We Cover

We specialize in insuring high-risk aesthetic, regenerative, and wellness providers often overlooked by traditional carriers.

Nurses

Whether you're delivering care as an NP, CRNA, or RN, we provide malpractice coverage designed for how you actually practice. From med spas and hormone therapy to concierge and mobile wellness care.
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Primary & Urgent Care Clinics

We build custom policies for high-volume and high-risk settings, including walk-in clinics, family medicine offices, and hybrid wellness centers.
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Individual Physicians

Whether you’re offering aesthetic services, regenerative medicine, or integrative primary care, we provide personalized coverage for MDs and DOs across specialties.
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High-Risk Startups & Clinics

From new aesthetic ventures to clinics offering a mix of wellness, sexual health, and elective medicine — we don’t shy away from complexity.
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Hormone & Pellet Clinics

If your clinic offers BHRT, testosterone or estrogen pellet insertion, or anti-aging hormone protocols — you're in the right place.
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Ketamine & IV Therapy Clinics

Get protection for ketamine-assisted therapy, NAD+, Myers’ cocktails, and other high-risk IV protocols not covered by standard carriers.
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Laser & Energy-Based Aesthetics

CO₂ lasers, radiofrequency skin tightening, IPL hair removal, body contouring, and beyond — we cover the devices others exclude.
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Regenerative & Stem Cell Therapy

Offering PRP, stem cells, exosomes, peptides, or biologics? Our tailored policies meet the needs of cutting-edge regenerative medicine clinics.
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Multi-Location & Franchises

We insure single operators and national franchise brands. Whether you’re expanding or scaling, our flexible structure grows with you.
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How Med Spa Insurance Pricing Works

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.

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Insurance Premium by Treatment Risk Rier

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.
Find Your Practice Plan

What sets your Insurance Premium

Your Treatment Menu

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.

Practitioner Qualifications

Physicians, nurse practitioners, physician assistants, registered nurses, and accredited aestheticians with verified training qualify for preferred terms.

Claims and Regulatory History

A clean track record directly lowers your cost. If you have been claims free, that is reflected in your pricing.

Revenue and Patient Volume

Higher throughput statistically raises claim probability. We scale premium with revenue so a growing practice is not overpaying early.

Beyond the Policy

Tools most insurers do not offer.

Business Plan Generator

A tool to help new and expanding practices assess risk and viability before committing capital. Built for your business, not just an insurance form.

Consent Form Template Library

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.  
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What Happens When You Have a Claim

Coverage only matters if it works when you need it. Here is exactly what happens:
  • You file an incident report as soon as an adverse event occurs. Early reporting protects your position.
  • Policies placed with Lloyd's of London include access to the Juno program legal hotline, staffed around the clock, so you can reach counsel immediately.
  • Our team coordinates with your carrier and legal counsel to manage the claim, contain exposure, and keep your practice operating.

Get Covered in 3 Simple Steps

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.

Apply Online

Answer a few quick questions about your services, specialties, and business setup.
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Preview Coverage

Instantly see estimated premium ranges and coverage outlines based on your practice profile.
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Finalize Policy

We review your application and tailor a malpractice policy that fits your risk level and procedures.
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Frequently Asked Questions

How much does med spa insurance cost?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.
Do you cover ketamine clinics?Yes. Ketamine clinics fall in our Tier 4 specialty programs, coverage many standard carriers decline outright.
Do you cover stem cell and regenerative therapy?Yes. Live stem cell therapy and advanced regenerative treatments are covered under our Tier 5 programs.
Do you cover GLP-1 and medical weight loss?Yes. GLP-1 and medical weight loss services are covered under Tier 3.
What states do you write in?We are licensed in all 50 states.
What happens if a patient files a claim against my practice?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.
Do I need to declare every procedure I perform?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.
Which carriers back your policies?Our programs are backed by A-rated carriers including Lloyd's of London, MedPro, and Admiral.
How quickly can I get covered?Our online quote tool produces an estimate in minutes, and a licensed underwriter reviews your application to finalize terms.
Do you cover multi-location practices and franchises?Yes. Multi-clinic and multi-location programs start from $5,000 per year.

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