Allstate Pet Insurance Review 2025: Is It Worth It?
Our expert's opinion on Allstate
Allstate's U.S. pet insurance is administered by Embrace and underwritten by American Modern Home Insurance Company, providing Accident and Illness coverage with a focus on customizable options and tiered plans.
The product is offered in three plan tiers (High Deductible, Balanced, Recommended) with selectable deductibles, configurable reimbursement settings and annual limits; routine wellness budgets are not included and preventive services such as vaccinations, dental cleanings and neutering are excluded. Compared with major competitors, Allstate (via Embrace) competes on clear tiered pricing and deductible flexibility while emphasizing accident and illness coverage, though it presents tighter routine-care exclusions and mixed customer-service outcomes.
Best suited for owners seeking flexible accident and illness protection for younger or middle-aged pets who prioritize customizable deductibles over wellness benefits.
Allstate is a large national insurer partnered with Embrace and backed by American Modern Home Insurance Company; its Trustpilot profile shows a 1.3/5 rating from 707 reviews, and customer feedback frequently cites long wait times, billing or claims handling difficulties and variable reimbursement experiences.
- ✅Accident and illness coverage across three plan tiers
- ✅Customizable deductibles and annual limits
- ✅Covers surgery, imaging, lab tests, specialist consultations
- ✅Selected alternative medicine therapies included
- ✅Very short accident waiting period (2 days)
- ✅Euthanasia included
- ✅Administered by Embrace with national insurer backing
- ❌Very low Trustpilot rating with widespread negative feedback
- ❌Routine wellness care excluded (vaccines, dental, neutering)
- ❌Broad pre-existing condition exclusions
- ❌Customer reports of long support wait times and claims issues
- ❌High premiums for older or brachycephalic breeds
Score- ✅Accident and illness coverage across three plan tiers
- ✅Customizable deductibles and annual limits
- ✅Covers surgery, imaging, lab tests, specialist consultations
- ✅Selected alternative medicine therapies included
- ✅Very short accident waiting period (2 days)
- ✅Euthanasia included
- ✅Administered by Embrace with national insurer backing
Our expert's opinion on Allstate
- ✅Accident and illness coverage across three plan tiers
- ✅Customizable deductibles and annual limits
- ✅Covers surgery, imaging, lab tests, specialist consultations
- ✅Selected alternative medicine therapies included
- ✅Very short accident waiting period (2 days)
- ✅Euthanasia included
- ✅Administered by Embrace with national insurer backing
- ❌Very low Trustpilot rating with widespread negative feedback
- ❌Routine wellness care excluded (vaccines, dental, neutering)
- ❌Broad pre-existing condition exclusions
- ❌Customer reports of long support wait times and claims issues
- ❌High premiums for older or brachycephalic breeds
Score- ✅Accident and illness coverage across three plan tiers
- ✅Customizable deductibles and annual limits
- ✅Covers surgery, imaging, lab tests, specialist consultations
- ✅Selected alternative medicine therapies included
- ✅Very short accident waiting period (2 days)
- ✅Euthanasia included
- ✅Administered by Embrace with national insurer backing
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At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the Canadian market each year, providing you with trustworthy and unbiased analysis.
Thanks to our careful approach, hundreds of thousands of Canadians rely on us every month to help guide their most important financial decisions.
The Allstate Guarantees
Allstate offers three sample plan configurations—High Deductible, Balanced, and Recommanded—covering accident and illness for dogs and cats. The set-up reflects a tiered approach: High Deductible functions as an entry‑level cost option, Balanced occupies a mid‑range position, and Recommanded is positioned toward enhanced/premium coverage. Policies are administered by Embrace Pet Insurance and underwritten by American Modern Home Insurance Company, connecting the product to a regulated insurance carrier structure.
Coverage across the plans emphasizes medically necessary veterinary care: emergency treatment, surgery, imaging, laboratory tests, ambulance services, and specialist consultations are included in plan features. Deductible, reimbursement logic, and annual limits are configurable at the policy level, allowing owners to balance monthly premium versus out‑of‑pocket exposure. Waiting periods are short for accidents and longer for illnesses, reflecting standard market practice for acute vs. non‑acute conditions.
Plans include some complementary benefits such as alternative medicine coverage in principle and euthanasia as a covered outcome; preventive services, dental cleanings, routine hygiene, and elective procedures are excluded from base cover. Strengths of the product include broad accident & illness scope, access to specialist and emergency care, and a tiered pricing structure. Limitations include the absence of routine preventive care in core plans, explicit exclusions for many alternative therapies, and several cover details that vary by chosen configuration.
| High Deductible | Balanced | Recommanded | |
|---|---|---|---|
| Plan positioning | Entry-level (higher deductible) | Balanced / Mid‑range | Enhanced / Premium |
| Type of coverage (accident/illness) | Accident & Illness | Accident & Illness | Accident & Illness |
| Animals covered (dogs, cats, other) | Dogs, Cats | Dogs, Cats | Dogs, Cats |
| Reimbursement rate | N.C. | N.C. | N.C. |
| Annual reimbursement limit | N.C. | N.C. | N.C. |
| Deductible (annual or per claim) | Customizable (annual deductible) | Customizable (annual deductible) | Customizable (annual deductible) |
| Age limits for enrollment | N.C. | N.C. | N.C. |
| Pre-enrollment health questionnaire | N.C. | N.C. | N.C. |
| Waiting periods (accident / illness) | 2 days / 14 days | 2 days / 14 days | 2 days / 14 days |
| Lifetime coverage | N.C. | N.C. | N.C. |
| Consultations | Optional | Optional | Optional |
| Medications | N.C. | N.C. | N.C. |
| Hospitalization | N.C. | N.C. | N.C. |
| Surgery | Yes | Yes | Yes |
| Diagnostic tests (imaging / lab tests) | Yes / Yes | Yes / Yes | Yes / Yes |
| Dental care (treatment / cleaning) | No (dental cleaning excluded) | No (dental cleaning excluded) | No (dental cleaning excluded) |
| Preventive care (vaccines, parasite prevention) | No | No | No |
| Alternative medicine | Yes (but modality limits apply) | Yes (but modality limits apply) | Yes (but modality limits apply) |
| Travel coverage | N.C. | N.C. | N.C. |
| Civil liability (third‑party liability) | N.C. | N.C. | N.C. |
| Euthanasia | Yes (covered) | Yes (covered) | Yes (covered) |
| Death & cremation coverage | Death (euthanasia) Yes; Cremation N.C. | Death (euthanasia) Yes; Cremation N.C. | Death (euthanasia) Yes; Cremation N.C. |
| Theft or loss + search expenses | N.C. | N.C. | N.C. |
| Boarding fees | No | No | No |
Pre‑existing conditions are excluded: any condition that occurred or showed clinical signs prior to the end of the applicable waiting period will not be covered, including bilateral conditions and previously symptomatic spinal or mass conditions. Routine and preventive services are excluded from core coverage; this includes wellness exams, vaccinations, parasite prevention, spaying/neutering, grooming, and hygiene care. Dental prophylaxis (cleanings) is excluded from base plans.
Many specific alternative therapies and non‑standard modalities are expressly excluded even where "alternative medicine" appears as a covered category; listed exclusions include a range of therapies such as various energy or unconventional treatments and other named modalities. Food, supplements, and most prescription diets are excluded except for narrowly defined exceptions (for example, a named diet for a specific feline condition). Breeding, pregnancy, whelping, elective cosmetic procedures, and costs resulting from professional or commercial use (racing, guarding) are also excluded. Other limitations include exclusions for owner‑caused incidents, organized fighting, and losses stemming from major events such as declared pandemics, war, or nuclear events.
Overall, the product is structured to cover medically necessary accident and illness care with configurable financial settings, while standard market exclusions and preventive care gaps remain in place. Potential policyholders should note the explicit exclusions for many routine, elective, and alternative items, the waiting periods for illness, and the reliance on plan configuration (deductible, reimbursement, limits) to determine the effective level of protection.
Allstate Exclusions
The exclusions in Allstate’s pet insurance are broad and focus first on medical pre-existing and waiting‑period exclusions, treating bilateral or previously symptomatic conditions (for example cruciate injuries or IVDD) as pre-existing.
Routine and preventive care is excluded (vaccinations, parasite prevention, spay/neuter, dental cleanings, grooming), and many complementary or alternative therapies are explicitly carved out.
Notably, food and supplements are excluded except for a specific allowance (Hill’s y/d for feline hyperthyroidism), and the policy also excludes breeding‑related, cosmetic, owner‑caused, professional‑use, administrative, and catastrophic event costs.
| Exclusions | Details |
|---|---|
| Medical exclusions | Pre-existing conditions Bilateral conditions treated as pre-existing (e.g., cruciate, IVDD) Undiagnosed masses Organ/tissue transplants Experimental or investigational treatments |
| Preventive and routine care | Wellness exams Vaccinations Flea/parasite prevention Spaying/neutering Dental cleanings Grooming and hygiene services |
| Alternative and complementary treatments | Reiki Magnet therapy Prolotherapy Ozone therapy Hyperbaric oxygen therapy Electroacupuncture Veterinary orthopedic manipulation Massage therapies Bicom, TENS Extracorporeal shock wave therapy Nutritional counseling |
| Food and supplements | All foods and supplements excluded Exception: Hill’s y/d diet for feline hyperthyroidism |
| Breeding and cosmetic procedures | Breeding, pregnancy, whelping, nursing Tail docking Ear cropping Declawing Cosmetic procedures |
| Behavioral and owner-related incidents | Treatment for accidents/illnesses arising from pre-existing behavioral problems Injuries caused intentionally or through negligence by the owner Injuries from organized fighting Claims related to failure to follow vaccination recommendations |
| Administrative, professional use and catastrophic events | Medical boarding excluded Veterinary administration fees excluded Costs from professional use (racing, guarding) excluded Pandemics, war, nuclear events excluded Funeral/cremation costs beyond euthanasia excluded |
| Geographic and identification exclusions | Care abroad: N.C. Identification (microchip/ID): N.C. |
Bilateral conditions treated as pre-existing (e.g., cruciate, IVDD)
Undiagnosed masses
Organ/tissue transplants
Experimental or investigational treatments
Vaccinations
Flea/parasite prevention
Spaying/neutering
Dental cleanings
Grooming and hygiene services
Magnet therapy
Prolotherapy
Ozone therapy
Hyperbaric oxygen therapy
Electroacupuncture
Veterinary orthopedic manipulation
Massage therapies
Bicom, TENS
Extracorporeal shock wave therapy
Nutritional counseling
Exception: Hill’s y/d diet for feline hyperthyroidism
Tail docking
Ear cropping
Declawing
Cosmetic procedures
Injuries caused intentionally or through negligence by the owner
Injuries from organized fighting
Claims related to failure to follow vaccination recommendations
Veterinary administration fees excluded
Costs from professional use (racing, guarding) excluded
Pandemics, war, nuclear events excluded
Funeral/cremation costs beyond euthanasia excluded
Identification (microchip/ID): N.C.
Allstate Prices
Allstate’s pricing sits across a full spectrum from entry‑level to more comprehensive tiers: the high‑deductible option targets lower monthly premiums for budget‑minded owners, while the “Recommanded” tier positions toward the higher end of the market for those seeking broader cover and lower out‑of‑pocket exposure. Sample quoted premiums show significant variation by breed and age—monthly estimates in the provided profiles run from about $17/month for young small‑breed cats on the high‑deductible plan to more than $300/month for older brachycephalic dogs on the recommended plan—illustrating how risk factors drive cost.
Reimbursement rates, chosen deductibles, and annual limits are the primary levers that determine competitiveness: higher reimbursement percentages and lower deductibles raise premiums but reduce claimant costs at point of care, while higher annual limits protect against catastrophic bills. Allstate’s offering is administered via Embrace and includes short accident and illness waiting periods and digital policy/claims channels, which can justify mid‑market pricing by reducing administrative overhead and improving servicing; compared with more traditional players, that digital servicing and configurable plan design are key differentiators.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Profile of the animal | High Deductible | Balanced | Recommanded |
|---|---|---|---|
| Dog Labrador 1 year | $45.86 | $61.24 | $109.89 |
| Dog Labrador 3 years | $45.86 | $61.24 | $109.89 |
| Dog Labrador 7 years | $86.38 | $115.95 | $209.56 |
| Dog Australian Shepherd 1 year | $28.06 | $37.20 | $66.11 |
| Dog Australian Shepherd 3 years | $28.06 | $37.20 | $66.11 |
| Dog Australian Shepherd 7 years | $50.32 | $67.24 | $120.85 |
| Dog French Bulldog 1 year | $59.83 | $80.09 | $144.24 |
| Dog French Bulldog 3 years | $59.83 | $80.09 | $144.24 |
| Dog French Bulldog 7 years | $123.79 | $166.45 | $301.56 |
| Cat European Shorthair 1 year | $17.06 | $22.35 | $39.06 |
| Cat European Shorthair 3 years | $17.56 | $23.02 | $40.27 |
| Cat European Shorthair 7 years | $29.64 | $39.32 | $69.98 |
| Cat Maine Coon 1 year | $28.71 | $38.08 | $67.71 |
| Cat Maine Coon 3 years | $29.20 | $38.73 | $68.89 |
| Cat Maine Coon 7 years | $37.91 | $50.48 | $90.32 |
| Cat British Shorthair 1 year | $22.02 | $29.03 | $51.24 |
| Cat British Shorthair 3 years | $22.02 | $29.03 | $51.24 |
| Cat British Shorthair 7 years | $35.15 | $46.77 | $83.56 |
Allstate Promo Codes
| Allstate Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
How much will I be reimbursed with Allstate?
Allstate reimbursements are calculated by subtracting your chosen annual deductible from eligible veterinary charges and then applying your plan's reimbursement percentage to the remaining eligible amount.
✅ Example 1: Consultation for allergic dermatitis
Total vet costs: $200 (office exam $120 + medication $80)
Deductible amount to subtract: $100 (annual deductible not yet met)
Amount reimbursable after deductible with the Optimal plan: $200 – $100 = $100
Reimbursement at the Optimal plan rate: $100 × N.C. = N.C.
👉 You receive N.C.
ℹ️ The annual deductible applies once per policy year; follow‑up treatments in the same year are reimbursed after the deductible has been satisfied.
✅ Example 2: Emergency surgery for intestinal foreign body (dog)
Total vet costs: $8,500 (surgery $5,000 + hospitalization $2,000 + imaging $800 + meds $700)
Deductible amount to subtract: $0 (deductible already met earlier in the policy year)
Amount reimbursable after deductible with the Optimal plan: $8,500 – $0 = $8,500
Reimbursement at the Optimal plan rate: $8,500 × N.C. = N.C.
👉 You receive N.C.
ℹ️ Large claims are paid up to your annual coverage limit; reimbursements reduce the remaining annual limit for the policy year.
✅ Example 3: TPLO surgery for cruciate ligament repair (dog)
Total vet costs: $6,200 (surgery $4,000 + specialist fees $1,200 + imaging $600 + meds $400)
Deductible amount to subtract: $500 (annual deductible not yet met)
Amount reimbursable after deductible with the Optimal plan: $6,200 – $500 = $5,700
Reimbursement at the Optimal plan rate: $5,700 × N.C. = N.C.
👉 You receive N.C.
ℹ️ Orthopedic conditions may be subject to specific waiting periods or sublimits on some plans; check your policy terms when enrolling.
Allstate Assistance
Allstate provides standard digital channels for claims submission—policyholders can file via an online portal, email, fax or mail—which supports largely paperless reimbursement workflows while leaving the customer experience dependent on responsiveness.
There is a public customer service phone line for policy administration and claims inquiries, but a dedicated 24/7 veterinary teleconsultation or emergency telehotline is not clearly provided as part of the pet offering.
Advance payment solutions that let clinics bill the insurer directly (Payvet, Petcard-style) are not presented as a core feature, so owners should expect to pay upfront and seek reimbursement.
A nationwide partner clinic network or guaranteed partner discounts are not emphasized, so insureds should confirm accepted providers and any preferred-vendor benefits before treatment.
International coverage and long-term care abroad are not highlighted for Allstate’s pet plans, so travel-related protection cannot be assumed without policy verification.
| Assistance Allstate | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No explicit Payvet/Petcard direct clinic payment program announced. Owners typically pay the clinic up front and submit claims for reimbursement. |
| Payment facilities | ❌ | N.C. |
| Mobile app | ❌ | Policy management and claims are available via the customer portal (my.embracepetinsurance.com). Mobile app presence and app store ratings: N.C. |
| Paperless claims process | ✅ | Claims can be submitted electronically via the customer portal and by email. Itemized invoices and supporting documents are accepted digitally; status tracking available through the portal where provided. |
| Emergency vet service | ❌ | No dedicated 24/7 emergency veterinary teleconsultation or hotline specified for policyholders. Emergency treatment coverage exists, but telehealth availability is not confirmed. |
| Vet/clinic partner network | ❌ | No formal nationwide partner clinic network or preferred provider program emphasized. Policyholders may use any licensed veterinarian; preferred-provider details: N.C. |
| Coverage abroad | ❌ | Care abroad details are not specified. International or long‑term travel coverage: N.C. |
Owners typically pay the clinic up front and submit claims for reimbursement.
Mobile app presence and app store ratings: N.C.
Itemized invoices and supporting documents are accepted digitally; status tracking available through the portal where provided.
Emergency treatment coverage exists, but telehealth availability is not confirmed.
Policyholders may use any licensed veterinarian; preferred-provider details: N.C.
International or long‑term travel coverage: N.C.
Allstate Customer Reviews
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 1.3/5 (707 reviews) |
Some customers single out helpful interactions with individual agents and occasional savings opportunities, and a minority report satisfactory outcomes when claims are resolved promptly. Positive mentions also include instances where coverage met expectations for specific claims, offering relief during costly veterinary treatments.
On the critical side, recurring themes point to long wait times to reach support, frustration with claims handling and resolutions, billing or refund issues, and noticeable premium increases over time that erode perceived value. Several reviewers describe inconsistent experiences that make predictability of service a concern for long‑term policyholders.
No customer reviews specifically referencing Allstate pet insurance were found on Trustpilot or Google Reviews that could be quoted here, so illustrative pet‑insurance examples cannot be provided.
Contact Allstate
| Allstate Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | Submit claims via the claims portal (my.embracepetinsurance.com), by email to claims@embracepetinsurance.com, by fax to (800) 238-1042, or by mail to Embrace Pet Insurance Claims Department, P.O. Box 22188, Beachwood, OH 44122-0188. Tracking specifics via each channel: N.C. Required documents for claim submission: N.C. Deadlines for filing claims: N.C. Reimbursement method (payment options and timing): N.C. |
| To obtain a certificate of insurance | Request process and timeframe: N.C. Available request channels include the General Service Phone at 1-800-511-9172 and the administrative mailing address at 4530 Richmond Rd., Cleveland, OH 44128; online account/certificate access via the customer portal: N.C. Information required to issue a certificate (policy number, insured name, pet details): N.C. |
| To contact assistance | General service phone: 1-800-511-9172. Claims portal: my.embracepetinsurance.com. Claims email: claims@embracepetinsurance.com. Claims fax: (800) 238-1042. Claims mail: Embrace Pet Insurance Claims Department, P.O. Box 22188, Beachwood, OH 44122-0188. Administrative address: 4530 Richmond Rd., Cleveland, OH 44128. Appeals can be submitted via the customer portal, email, fax, or mail to the Embrace Claim Appeal Department. |
| To cancel my policy | How to cancel (steps to follow): N.C. Channels to initiate cancellation may include contacting General Service Phone at 1-800-511-9172; online cancellation via customer portal: N.C. Information to provide when cancelling (policy number, policyholder name, pet name): N.C. Deadlines, effective date rules and refund/proration conditions: N.C. |
FAQ
Do I have to pay upfront for veterinary fees with Allstate?
Yes. Allstate pet coverage is administered by Embrace, and you generally pay your veterinarian at the time of service. After treatment, submit your itemized invoice through the Embrace claims portal, email, fax, or mail. The insurer reviews the claim and issues reimbursement to you based on eligible charges, your deductible, and your chosen reimbursement rate. If you need help with large bills, contact claims to ask about any available accommodations or direct-billing options for specific providers.
How do I cancel my pet insurance policy with Allstate?
To cancel, contact Embrace (the administrator) via the customer portal, by phone at 1-800-511-9172, or send a written request to the administrative address. Include your policy number, policyholder name, and pet details so the request can be processed. Ask for written confirmation of the cancellation and any prorated refund; timing and refunds follow the policy’s terms. Keep a copy of your cancellation request and confirmation for your records in case of billing disputes.
What are the waiting periods for accident and illness coverage?
Allstate’s policy shows short waiting periods: typically 2 days for accidents and 14 days for illnesses. Specific conditions like bilateral or orthopedic issues may have additional rules, and pre-existing conditions are excluded. The waiting periods start on your policy effective date, so schedule coverage well before any planned travel or elective procedures. Review your declarations page for any variations tied to your chosen plan.
How do reimbursement rates, deductibles, and annual limits work?
Reimbursement rates, deductibles, and annual limits are set on your declarations page and can vary by plan. In practice you pay the vet, file a claim, and Allstate reimburses eligible charges after subtracting your deductible and applying the reimbursement percentage. The policy examples show customizable choices, so check your quote to confirm the coinsurance percentage and any annual or per-incident caps. Keep clear itemized invoices to speed evaluation and ensure correct reimbursement calculations.
What are the main exclusions I should watch for?
Major exclusions include pre-existing conditions, preventive care (vaccinations, flea/parasite prevention), grooming, elective surgeries, and many food or supplement costs. Behavioral issues tied to prior history, breeding-related care, and experimental treatments are also excluded. Administrative fees, certain alternative therapies, and events like pandemics or war are generally not covered. Always check the policy’s look-back for pre-existing definitions and any “Additional Excluded Conditions” listed on your declarations page.
Do I have to pay upfront for veterinary fees with Allstate?
Yes. Allstate pet coverage is administered by Embrace, and you generally pay your veterinarian at the time of service. After treatment, submit your itemized invoice through the Embrace claims portal, email, fax, or mail. The insurer reviews the claim and issues reimbursement to you based on eligible charges, your deductible, and your chosen reimbursement rate. If you need help with large bills, contact claims to ask about any available accommodations or direct-billing options for specific providers.
How do I cancel my pet insurance policy with Allstate?
To cancel, contact Embrace (the administrator) via the customer portal, by phone at 1-800-511-9172, or send a written request to the administrative address. Include your policy number, policyholder name, and pet details so the request can be processed. Ask for written confirmation of the cancellation and any prorated refund; timing and refunds follow the policy’s terms. Keep a copy of your cancellation request and confirmation for your records in case of billing disputes.
What are the waiting periods for accident and illness coverage?
Allstate’s policy shows short waiting periods: typically 2 days for accidents and 14 days for illnesses. Specific conditions like bilateral or orthopedic issues may have additional rules, and pre-existing conditions are excluded. The waiting periods start on your policy effective date, so schedule coverage well before any planned travel or elective procedures. Review your declarations page for any variations tied to your chosen plan.
How do reimbursement rates, deductibles, and annual limits work?
Reimbursement rates, deductibles, and annual limits are set on your declarations page and can vary by plan. In practice you pay the vet, file a claim, and Allstate reimburses eligible charges after subtracting your deductible and applying the reimbursement percentage. The policy examples show customizable choices, so check your quote to confirm the coinsurance percentage and any annual or per-incident caps. Keep clear itemized invoices to speed evaluation and ensure correct reimbursement calculations.
What are the main exclusions I should watch for?
Major exclusions include pre-existing conditions, preventive care (vaccinations, flea/parasite prevention), grooming, elective surgeries, and many food or supplement costs. Behavioral issues tied to prior history, breeding-related care, and experimental treatments are also excluded. Administrative fees, certain alternative therapies, and events like pandemics or war are generally not covered. Always check the policy’s look-back for pre-existing definitions and any “Additional Excluded Conditions” listed on your declarations page.
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