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Allstate pet insurance plans cover accidents and illnesses, including any surgeries, hospitalizations, or nursing care required. They also cover medications and alternative therapies. Genetic conditions such as hip dysplasia are covered, but only if your pet was not showing signs of the condition at the time you purchased your policy.
Preventative treatment, including vaccinations, annual check-ups, and dental cleanings, are not covered unless you purchase an optional wellness plan.
The cost of your insurance plan will vary based on your pet’s breed, age, gender, and medical history. We received a quote for a 3-year old labrador retriever in Texas in April 2021. A plan with a $10,000 coverage limit, $500 deductible, and 80% reimbursement rate cost $44.45 per month. The optional wellness plan cost an additional $18.75 per month for up to $250 per year in coverage. Quotes are subject to change and will vary by location.
Allstate policies do not cover vet fees related to pregnancy or breeding, orthodontic procedures, or treatments for behavioral problems. They also do not cover vitamins, supplements, or prescription food. Pre-existing conditions are excluded from coverage, including genetic conditions for which your pet was showing symptoms at the time of enrollment.
Your policy includes a waiting period of 2 days for accidents, 14 days for illnesses, and 6 months for orthopedic conditions.
You can choose an annual coverage limit of $5,000, $8,000, $10,000, $15,000, or $30,000.
Allstate enables you to choose an annual deductible of $200, $300, $500, $750, or $1,000. You can also choose a reimbursement rate of 70%, 80%, or 90%.
Below are some sample quotes we received for pets in California in April 2021. Note that quotes are subject to change based on your pet, location, and the date.
| Breed | Labrador Retriever | German Shepherd | Domestic Mediumhair Cat |
| Age | 3 | 4 | 3 |
| Coverage Limit | $5,000 | $10,000 | $15,000 |
| Deductible | $300 | $750 | $500 |
| Reimbursement Rate | 80% | 80% | 90% |
| Price per month | $46.62 | $36.59 | $15.87 |
Since Allstate pet insurance policies are offered through Embrace Pet Insurance, you must go through Embrace to submit a claim. Embrace requires an itemized invoice from your vet, and you can submit a claim online or using the Embrace mobile app. Claims are typically processed in 10-15 days and you can receive your reimbursement by physical check or direct deposit.
We found that submitting a claim was easy thanks to the step-by-step guidance throughout the process. In addition, you can monitor the status of your claim online or through the Embrace mobile app.
If you need help, Embrace offers customer support 6 days a week by phone or email. The service team is available from 9AM to 8PM (ET) Monday to Friday and 10AM to 2PM Saturday.
Allstates pet insurance policies through Embrace Pet Insurance offer comprehensive accident and illness coverage. There’s only a 2-day waiting period for accidents and a 14-day waiting period for illnesses. You can customize your coverage limit, deductible, and reimbursement rate when signing up for a policy.
Allstate’s accident and illness coverage does not include preventative care, such as vaccinations and routine check-ups. The optional wellness plan can be relatively expensive.
Allstate, 2775 Sanders Road, Northbrook, IL 60062
Phone: (800) 255-7828
Allstate offers comprehensive accident and illness pet insurance policies through Embrace Pet Insurance. You can customize your policy to fit your needs and budget, and add an optional wellness plan if you want coverage for routine care. Submitting claims through Embrace is simple thanks to the online account portal and mobile app, and support is available 6 days a week if you need help.
This review was created using information from the Allstate and Embrace Pet Insurance websites.
