Allstate pet insurance Reviews

Allstate pet insurance functions as a referral service rather than a standalone product. Its website provides general pet insurance information and a link to Embrace’s quoting tool, but all policies, claims and customer service are handled by Embrace.

When purchasing pet insurance through Allstate, customers are enrolling in an Embrace plan. Coverage includes accidents, illnesses and optional wellness care, with flexible reimbursement rates, deductibles and annual limits.

Embrace offers a 10% multipet discount and a 5% discount for veterans and active military members. Policies cover treatment from any licensed vet in the U.S. Waiting periods are two days for accidents and 14 days for illnesses, while orthopedic conditions may require a six-month waiting period unless waived by a vet evaluation. Pets must be at least six weeks old to enroll.

Allstate pet insurance covers a variety of medical needs, including surgeries, cancer treatments, diagnostic tests and even alternative therapies like acupuncture and hydrotherapy (also known as water therapy). It also covers hereditary conditions, which are passed down from parents, and congenital conditions, which are present from birth. Other coverage includes chronic illnesses, dental injuries and orthopedic issues.

Exclusions include preexisting conditions (such as those diagnosed or treated before coverage was initiated), cosmetic procedures (such as ear cropping or declawing) and breeding-related costs (such as artificial insemination or emergency C-sections).

If you want to cover routine care, such as vaccinations or dental cleanings, you can add Embrace’s Wellness Rewards to your plan.

» COMPARE: Best pet insurance companies

Allstate pet insurance plans, provided through Embrace, offer two types of coverage: a standard accident and illness plan and an accident-only plan for older pets. You can customize accident and illness coverage by selecting your reimbursement rate, deductible and annual limit.

Coverage options for Allstate plans

• Annual reimbursement limits: $2,000 to unlimited
• Annual deductibles: $100 to $1,000
• Reimbursement percentage: 70%, 80% or 90%

Allstate’s accident and illness coverage

Accident and illness coverage through Embrace includes:

• Accidents and illnesses, including cancer, chronic conditions and orthopedic issues
• Diagnostics and treatments, including lab tests, surgeries and specialist consultations

Accident-only coverage

Allstate offers an accident-only plan for pets 15 years and older. The company doesn’t provide accident-only coverage for younger pets. This plan has an annual coverage limit of up to $5,000.

Add-on coverage options

You can sign up for the following additional coverage with Allstate:

• Exam fee add-on: Reimburses veterinary exam fees related to covered accidents and illnesses
• Prescription drug add-on: Helps cover the cost of medications for treating covered conditions, including chemotherapy and pain relief

Allstate pet insurance costs vary based on location, your pet’s age and breed, and the coverage options you select. To give you an idea of pricing for the accident and illness plan, here are quotes for a one-year-old female German shepherd in San Diego, California (ZIP code 92038).

Sample monthly costs for Allstate pet insurance

Along with accident and illness coverage, Allstate offers the optional Wellness Rewards program through Embrace. This add-on helps offset routine veterinary costs, covering essential services like exams, vaccines and grooming along with flea, tick and heartworm prevention. The Wellness Rewards program isn’t available in Rhode Island.

Pricing for the Wellness Rewards program:

• $300 annual reimbursement for $22.92 per month
• $500 annual reimbursement for $39.58 per month
• $700 annual reimbursement for $56.25  per month

» LEARN: What's the difference between pet insurance and pet wellness plans?

Yes, Allstate pet insurance is worth it for pet owners looking for comprehensive accident and illness coverage. Through its partnership with Embrace Pet Insurance, Allstate offers customizable options that can help cover unexpected medical expenses, especially for pets with ongoing health issues. Add-ons for exam fees and prescription drug coverage can also help offset routine veterinary costs.

However, Allstate pet insurance may not be worth it if your pet is relatively healthy and doesn’t require frequent veterinary care. Since Allstate directs customers to Embrace for coverage, purchasing through Allstate doesn’t offer additional discounts or plan options beyond what’s available directly from Embrace.