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Allstate Pet Insurance Review

Reviews 385
Reviews 385
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Michael Graw
Jul. 27, 2021
2 min read
Michael Graw
Allstate Summary
Allstate offers pet insurance policies for cats and dogs that cover accidents, illnesses, alternative therapies, and more. Preventative care isn’t included in your policy, but can be covered with an additional wellness plan. You can get a quote online and receive a 10% discount when you add a second pet to your policy. Allstate does not write its own pet insurance plans, but rather offers policies issued by Embrace Pet Insurance.


  • Covers genetic conditions and alternative therapies
  • Flexible coverage limits and deductibles
  • 10% discount when you add a second pet


  • Allstate does not write its own policies
  • Preventative care coverage costs extra
  • Pre-existing conditions not covered

Allstate at a glance

Editorial score

Online experience

Basic site

Customizable rates and services

Customizable plans and rates, upper age limit

Claims payout waiting period


Customer support

Evening and weekend customer service available


Multi-pet and multi-policy bundles available

Allstate Allstate Visit Site

What Does it Cover 

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.

Insurance Plans & Pricing 

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.

What is Not Covered

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.

Waiting Periods

Your policy includes a waiting period of 2 days for accidents, 14 days for illnesses, and 6 months for orthopedic conditions.

Coverage Limits

You can choose an annual coverage limit of $5,000, $8,000, $10,000, $15,000, or $30,000.

Reimbursement and deductibles:

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.

BreedLabrador RetrieverGerman ShepherdDomestic Mediumhair Cat
Coverage Limit$5,000$10,000$15,000
Reimbursement Rate80%80%90%
Price per month$46.62$36.59$15.87

Claims and Service

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.

What You Might Like

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.

What Allstate Could Do Better

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.

Contact Details and Address

Allstate, 2775 Sanders Road, Northbrook, IL 60062

Phone: (800) 255-7828

Bottom Line

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.

Michael Graw
Written by
Michael Graw
Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.‎
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