Allstate Pet Insurance Review

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 American Modern Insurance Group, a third party who has no affiliation to Allstate.

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

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

If you have a dog or cat that is older than 14 or has diabetes, Addison’s disease or even FEL/FV, Allstate offers an Accident Only plan so you can get coverage for your pet.

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

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.

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.

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, bird
  • 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

Benefit Limits

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

A good policy will range from a minimum of $25,000 coverage to unlimited.

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.

Reimbursement Method

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

These ranges are substantial and make sure your Allstate Policy provides the same.  If you choose a lower reimbursement percentage, your premium will also be lower.

Make sure that the policy 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.

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

Claims Process

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

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

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
  • Behavior issues
  • Personal care or grooming items, such as shampoo
  • Grooming
  • Pre-existing conditions – these are illness or conditions that exist in a pet before the pet insurance policy begins.

Is There A Waiting Period Before Enrollment?

There isn’t any information about waiting periods with Allstate pet insurance and you will need to contact them directly to find the answer.

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.

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