The propagation mechanism of Lamb waves exhibits more intricate in the variable operational environment of high-speed trains. Simulation methods are widely used to study Lamb wave propagation characteristics due to economic and time constraints. A mechanic-electric-thermal coupling simulation method to study the propagation mechanism of Lamb waves under variable temperatures is proposed in this paper. To accurately simulate the dynamic behavior of Piezoelectric Transducer (PZT) under variable temperature, a nonlinear numerical model of the dynamic parameters (piezoelectric coefficient, dielectric constant) of PZTs has been developed based on the experiment of the temperature influence on Lamb wave. The model emphasizes the nonlinear pattern of change in the key dynamic parameters of the PZT with temperature fluctuations. In addition, a thermal expansion stress model of the PZT-bonding layers-structure is established to reveal the mechanical-thermal coupling mechanism. Based on the COMSOL, a mechanical-electrical-thermal direct coupling simulation model of PZT-bonding layers- structure under variable temperature is established. The simulation results at −40 °C to 80 °C are obtained and compared to the experiment. The results show that the simulation signal is highly consistent with the experimental measurement signal, and the simulation method proposed in this paper has high accuracy.