Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Jun 10, 2021

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Like many insurance providers, Allstate is now offering pet insurance.

allstate pet insurance

While more known for home and auto insurance, Allstate realizes that pets are an important part of our family and need coverage too.

And that is why they decided to offer pet insurance for our dogs and cats.

Overall Grade – C

Pet Insurance With Allstate

However, when you purchase pet insurance directly from an Allstate Agent, the actual policies are written by Embrace, who’s underwriter is American Modern.  Allstate is an Affinity partner of Embrace.

Therefore, if you make a claim, you won’t be dealing with Allstate directly to get your vet bills reimbursed but with Embrace Pet Insurance.

In order to get coverage by Allstate, you need to call one of their agents who will walk you through their coverage, pricing, and plan options.

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Allstate’s Pet Insurance: Top Highlights

  • Comprehensive, well-rounded coverage
  • Wellness plans are available
  • Alternative Therapies
  • Chronic condition coverage
  • Prescription Medication

Coverage

The coverage by Allstate is similar to most pet insurance companies with comprehensive policies that will include the most coverage you would want from your pet:

Their plans will include coverage for the following:

  • Medical bill reimbursement for injuries and accidents
  • Emergency Care
  • All Illness and Treatments
  • Surgery
  • All Diagnostic Testing
  • Prescription Medication

Alternative Therapies

Allstate will also cover your pets for different alternative therapy treatments.  Some of the therapies they cover are holistic and homeopathy, hydrotherapy and even acupuncture.

Genetic Conditions

If your dog or cat develops a genetic condition, like hip or elbow dysplasia (in dogs), Allstate will cover it as long as your dog doesn’t show symptoms of the condition prior to enrollment.

Chronic Conditions

Allstate will cover treatment for chronic conditions like allergies, diabetes and thyroid issues like hypothyroidism.

Accident Only Plans

While Accident only plans are less expensive, they don’t offer all the coverage that a comprehensive plan does.

But, it is a good option to offset the cost of vet bills.

Coverage Includes:

  • Vet and nurse exams and fees for specialists
  • Hospitalization
  • Emergency care
  • Lab Tests
  • Ultrasounds, MRIs
  • Physical Therapy
  • Surgery

Real Cost Savings from PetFirst Clients

Luna

PetFirst saved his parents

$6,712

A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.

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Wellness Plans

Allstate also offers a Wellness Rewards Plan which is added on to an existing policy.

Wellness plans include routine procedures such as:

  • Vaccinations
  • Annual Checkups
  • Preventative care
  • Dental cleaning
  • Flea and Tick prevention

Most wellness plans will not cover 100% of the services provided but will give you an allowance to use towards a particular procedure. Embrace’s wellness plans pay 100% of the cost up to the annual allotment chosen by the policyholder.

Most of the wellness plans are merely just an added cost to your premium for procedures that you can easily pay for out of pocket.

Related: 10 Things You Must Know Before You Buy Pet Insurance

Cost of Allstate Pet Insurance

Allstate does not provide the pricing for their different policies.  You need to talk to one of their agents which we find somewhat problematic.

They do give you this information which is, actually, typical of most pet insurance policies.

Pricing will depend on the coverage you choose and the following factors:

  • The type of pet you are covering – dog, cat, etc.
  • The breed of your pet
  • The age of your pet
  • The city where you live
  • The chosen deductible and coverage limits

To help guide you, the average monthly premium range among the top pet insurance companies’ are the following:

  • $25 to $40 for dogs
  • $15 to $30 for cats

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

Benefit Limits

When you speak to an Allstate agent, make sure to look for a policy with substantial benefit limits.

The policies offered are $30,000 maximum in all states online except NY, where it’s $15,000.  They also offer unlimited coverage in most states via phone enrollment.

The benefit limits are the most any company will pay out in a policy year.  Therefore, the higher limit, the better the cushion you have to make sure you are covered.

Healthy Paws, for example, offers unlimited coverage in all of their plans which is why it’s one of our favorites.

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Reimbursement Method

pet insurance with allstate

Most pet insurance providers will offer you different reimbursement rates that range from 70% to 90%.

Allstate’s reimbursement options offered are 70%, 80%, and 90%.  If you choose a lower reimbursement percentage, your premium will also be lower.

Allstate pays on the actual vet bill, which is how the best pet insurance companies reimburse (and not on a benefit schedule).

Deductible Types

Deductibles are the one-time payment you make each policy year before the pet insurance provider will start to reimburse you for your vets’ bills.

An annual deductible is always the better choice as you know exactly what you will pay each year.

Most pet insurance deductibles range from $25 to $100. Allstate’s deductible options are $200, $300, $500, $750, and $1,000

By choosing a higher deductible, it can help lower the monthly premium.

Real Cost Savings from PetFirst Clients

Gidget

PetFirst saved his parents

$2,194

Artemis was a beautiful and friendly cat to all who were willing to pet him. Unfortunately, he developed feline diabetes which required regular vet visits and medications that his Mother could not otherwise afford on her fixed income. Having PetFirst insurance, she called and discussed the problem with a friendly PetFirst agent. To her surprise, she found out that Artemis’ ongoing required vet visits and medication would be covered by his PetFirst insurance. Artemis was able to live out the rest of his life with proper medical care and medicines thanks to PetFirst insurance.

Claims Process

As mentioned above, the claims are not handled by Allstate directly but by their partner, Embrace Pet Insurance.

Therefore, you would have to contact them directly to fill out a claim.

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Enrollment

Dogs and Cats must be under age 14 to be enrolled in Allstate’s policies.

What Does Allstate Pet Insurance Not Cover?

  • Preventative care procedures unless you purchase their wellness plans
  • Any cost associated with breeding
  • Orthodontic, crowns or root canals (covered up to $1,000/year in all states except NY)
  • Personal care or grooming items, such as shampoo
  • Pre-existing conditions – however, if a curable condition goes sign or symptom-free for 12 months from the original date of onset, it is expired as a pre-existing condition and covered for the life of the pet.

Is There A Waiting Period Before Enrollment?

Waiting periods are 2 days for accidents, 14 days for illnesses and 6 months for orthopedic conditions.

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Summing It All Up

While Allstate seemingly offers comprehensive coverage that is in line with most competitors, they provide very little information on the benefit limits, pricing and many other important details that could affect your pet insurance policy coverage.

This doesn’t sit well with us and seems way too vague where all of the other top pet insurance providers will explain on their site the different coverage, pricing and waiting periods.

However, if you are already enrolled in an Allstate policy, it could be nice to have all your insurance with one company.

And, they might even offer you a discount since you now will be enrolled in multiple policies.

If you are interested in learning more about their pet insurance, you can find more information on their site, Allstate, or even better, give them a call to get a quote directly at 1-877-810-2920

Of course, make sure to get multiple quotes from at least a few pet insurance companies to see which one is the best fit for your pet and your budget.

You can find many choices in our guide of the top 10 pet insurance companies.

 

Other articles you may find helpful: 

Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

Fun Facts, Dog FAQ, And Unsolicited Dog Advice

5 Training Commands to Save Your Dog’s Life

The Ultimate Guide to Safe Foods for Dogs

Dog Health Problems

Dog Breeds

CAT FAQ

Cat Health Problems

Cat Breeds

You may find helpful one of our other Best Pet Insurance Reviews which include over 35 top insurers compared with cheap and affordable pet insurance and discounted mixed breed pet insurance