Allstate Pet Insurance: Our Full Review 2025
Our expert's opinion on Allstate
Allstate’s pet health insurance policy, underwritten by American Modern and administered through Embrace, features a fully customizable approach—owners can adjust annual maximums, reimbursement rates (typically 70–90%), and annual deductibles ($200–$1,000), while an optional 'Wellness Rewards' budget offers limited routine care reimbursement separate from the core insurance. Compared to key competitors, Allstate (Embrace) emphasizes flexibility and strong accident/illness protection for both routine and complex care, positioning itself in the mid-to-upper market for pricing but providing more policy customization than many mainstream alternatives. The plan is particularly suited for owners of young or healthy cats and dogs seeking tailored coverage, high reimbursement rates, and multi-pet discounts, but not for those prioritizing budget-only or accident-only plans for senior animals. American Modern, rated A+ by A.M. Best, backs Allstate’s policy and processed roughly $1.7B in direct written premiums (2022); claim processing times typically range from 10–15 business days with most digital submissions, which is competitive for the US market, though Trustpilot rates Allstate poorly overall at 1.2/5 (649 reviews) due to broader corporate service issues not unique to pet insurance.
- ✅Highly customizable plans: select deductibles, annual limits, reimbursement rate
- ✅Covers accidents, illnesses, chronic/genetic conditions, cancer, dental (sub-limit $1,000)
- ✅Short waiting periods: 2 days (accidents), 14 days (illnesses)
- ✅Multi-pet and military discounts available
- ✅Optional wellness reimbursement for routine care
- ✅Strong insurer financial backing (A+ A.M. Best, ~$1.7B premiums)
- ✅Access to any licensed US veterinarian or specialist
- ❌No coverage for pre-existing conditions or general wellness by default
- ❌Separate (limited) dental illness coverage, $1,000 cap
- ❌Wellness Rewards not insurance: capped reimbursement, not broad coverage
- ❌Longer orthopedic waiting period for dogs (6 months, unless mitigated)
- ❌Parent brand’s poor customer service reputation (Trustpilot 1.2/5)
Score- ✅Highly customizable plans: select deductibles, annual limits, reimbursement rate
- ✅Covers accidents, illnesses, chronic/genetic conditions, cancer, dental (sub-limit $1,000)
- ✅Short waiting periods: 2 days (accidents), 14 days (illnesses)
- ✅Multi-pet and military discounts available
- ✅Optional wellness reimbursement for routine care
- ✅Strong insurer financial backing (A+ A.M. Best, ~$1.7B premiums)
- ✅Access to any licensed US veterinarian or specialist
Our expert's opinion on Allstate
- ✅Highly customizable plans: select deductibles, annual limits, reimbursement rate
- ✅Covers accidents, illnesses, chronic/genetic conditions, cancer, dental (sub-limit $1,000)
- ✅Short waiting periods: 2 days (accidents), 14 days (illnesses)
- ✅Multi-pet and military discounts available
- ✅Optional wellness reimbursement for routine care
- ✅Strong insurer financial backing (A+ A.M. Best, ~$1.7B premiums)
- ✅Access to any licensed US veterinarian or specialist
- ❌No coverage for pre-existing conditions or general wellness by default
- ❌Separate (limited) dental illness coverage, $1,000 cap
- ❌Wellness Rewards not insurance: capped reimbursement, not broad coverage
- ❌Longer orthopedic waiting period for dogs (6 months, unless mitigated)
- ❌Parent brand’s poor customer service reputation (Trustpilot 1.2/5)
Score- ✅Highly customizable plans: select deductibles, annual limits, reimbursement rate
- ✅Covers accidents, illnesses, chronic/genetic conditions, cancer, dental (sub-limit $1,000)
- ✅Short waiting periods: 2 days (accidents), 14 days (illnesses)
- ✅Multi-pet and military discounts available
- ✅Optional wellness reimbursement for routine care
- ✅Strong insurer financial backing (A+ A.M. Best, ~$1.7B premiums)
- ✅Access to any licensed US veterinarian or specialist
Why Trust HelloSafe?
At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies available in the market every year to provide you with reliable and unbiased analysis. Thanks to this thorough approach, over a million people across the United States trust us each month to guide them through their most important financial decisions.
Allstate Guarantees
Allstate offers pet insurance plans (administered by Embrace) with comprehensive coverage for accidents, illnesses, hereditary conditions, cancer, chronic and genetic issues, surgeries, diagnostics, hospitalization, prescription medications, and complementary therapies when medically necessary.
Policyholders may select deductibles, annual maximums, and reimbursement rates (often 70%–90%), and can add the Wellness Rewards option for preventive care expenses such as check-ups, vaccines, or dental cleaning.
Key strengths include wide eligibility (any licensed US vet), robust chronic/orthopedic and behavioral coverage, and discounts for multi-pet households and military families.
Major weaknesses are the exclusion of pre-existing conditions (including those unresolved during waiting periods), no coverage for veterinary costs relating to pregnancy/breeding, and limitations on prescription food and supplements except when prescribed for specific covered conditions.
Allstate Pet Health Insurance (by Embrace Partnership) | |
|---|---|
Coverage Type | Accident & Illness |
Covered Pets | Dogs & Cats |
Reimbursement Rate | Customizable |
Annual Coverage Limit | Customizable |
Annual Deductible | Customizable |
Enrollment Age (Dog) | Up to 14 years |
Enrollment Age (Cat) | Up to 14 years |
Health Questionnaire | Required |
Claim Reimbursement Time | N.C. |
Emergency Visits | Covered |
Regular Vet Visits | Not covered |
Specialist Consultations | Covered |
Medication | Covered |
Hospitalization | Covered |
Ambulance Services | Covered |
Surgery | Covered |
Imaging | Covered |
Lab Tests | Covered |
Radiotherapy | Covered |
Dental Care | Accident & Illness covered |
Teeth Cleaning | Not covered |
Vaccinations | Not covered |
Anti-Parasitics | Not covered |
Neutering (Dog) | Not covered |
Neutering (Cat) | Not covered |
Identification | Not covered |
Lifetime Coverage | N.C. |
Waiting Period (Accident) | 2 days |
Waiting Period (Illness) | 14 days |
Hygiene | Not covered |
Alternative Therapies | Covered |
Foreign Care | Covered |
Death | Not covered |
Cremation | Not covered |
Euthanasia | Covered |
Loss/Theft | Not covered |
Boarding Fees | Not covered |
Important Policy Details
The deductible decreases $50 each claim-free year (“Healthy Pet Deductible”), and annual limits, deductibles, and reimbursement rates are customizable at signup but not all can be adjusted mid-term.
Behavioral therapy is covered if provided by a veterinarian.
Orthopedic conditions in dogs have a 6-month waiting period (can be waived with a vet exam).
Compare plan options to find the best value for your pet and budget.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Allstate Exclusions
The Allstate policy excludes a range of events and treatments commonly seen across the sector, with particular emphasis on pre-existing conditions (including bilateral and latent conditions such as cruciate ligament tears) and any illness experienced before or during the waiting period.
Excluded items also involve all preventive care (wellness, vaccines, spaying/neutering, and regular check-ups), as well as elective, cosmetic, and breeding-related procedures.
Notably, the policy does not provide reimbursement for veterinary costs related to maintenance complementary therapies, many types of alternative or non-mainstream treatments, nutrition, and dietary items except for a single prescription food.
Professional fees for treating a vet's own pet, costs that exceed regional norms, and damages from epidemics, war, or illegal/criminal use are also strictly excluded.
Compared to some competitors, Allstate’s exclusions for professional self-treatment and detailed disqualification of specific alternative therapies, as well as explicit geographic and activity-based exclusions, are especially comprehensive.
| Exclusions | Details |
|---|---|
| Medical exclusions | • Pre-existing conditions (including bilateral/latent) • Preventive care (wellness, vaccines, annual checks, spaying/neutering, parasite/flea control) • Elective/cosmetic procedures (tail docking, ear cropping, declawing, breeding-related) • Most dental prophylaxis • Chronic conditions active before coverage |
| Alternative and complementary treatments | • Maintenance complementary therapy • Alternative/non-mainstream therapies (Reiki, Magnet Therapy, Prolotherapy, Ozone, Hyperbaric Oxygen, Electroacupuncture, Veterinary Orthopedic Manipulation, Massage, Bicom, TENS, Extracorporeal Shock Wave Therapy, Nutritional Counseling; full details per policy) • Unapproved treatments |
| Nutrition and supplies | • Non-prescription and prescribed food/diet (except Hill’s y/d for feline hyperthyroidism) • Vitamins, supplements • Grooming, personal care • Medical supplies outside a covered event |
| Geographic and activity exclusions | • Costs from epidemics/pandemics (USDA declared) • War, nuclear incidents, government seizure • Organized racing, fighting, commercial/illegal/criminal activities, negligence |
| Professional and procedural exclusions | • Professional fees if vet treats their own pet • Non-standard treatment or care continued against vet recommendation • Claims exceeding typical regional charges • Professional/boarding fees • Behavioral issues linked to pre-existing conditions |
| Administrative and other exclusions | • Boarding costs (medical/non-medical) • Charges in excess of typical service range • Claims subject to other insurance coverage limitations • Not transferable to other pets/people |
• Preventive care (wellness, vaccines, annual checks, spaying/neutering, parasite/flea control)
• Elective/cosmetic procedures (tail docking, ear cropping, declawing, breeding-related)
• Most dental prophylaxis
• Chronic conditions active before coverage
• Alternative/non-mainstream therapies (Reiki, Magnet Therapy, Prolotherapy, Ozone, Hyperbaric Oxygen, Electroacupuncture, Veterinary Orthopedic Manipulation, Massage, Bicom, TENS, Extracorporeal Shock Wave Therapy, Nutritional Counseling; full details per policy)
• Unapproved treatments
• Vitamins, supplements
• Grooming, personal care
• Medical supplies outside a covered event
• War, nuclear incidents, government seizure
• Organized racing, fighting, commercial/illegal/criminal activities, negligence
• Non-standard treatment or care continued against vet recommendation
• Claims exceeding typical regional charges
• Professional/boarding fees
• Behavioral issues linked to pre-existing conditions
• Charges in excess of typical service range
• Claims subject to other insurance coverage limitations
• Not transferable to other pets/people
Allstate Prices
| Allstate Standard Plan | Allstate Enhanced Plan* | |
|---|---|---|
| Young cat (2–4 years) | $18–$23/month | $28–$35/month |
| Senior cat (7–8 years) | $28–$34/month | $40–$47/month |
| Small breed dog (2–4 years) | $22–$28/month | $34–$45/month |
| Senior dog (7–8 years) | $41–$52/month | $56–$70/month |
| Large breed dog (2–4 years) | $37–$49/month | $53–$66/month |
| Senior dog (7–8 years) | $63–$82/month | $90–$117/month |
*Enhanced Plan estimated for higher annual limits, lower deductible, and 80–90% reimbursement; actual naming may differ and availability may vary by state.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Allstate Promo Codes
| Allstate Promo Codes | Details |
|---|---|
| Multi-pet discount | 10% per additional pet |
| Military discount | 5% off |
| 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.
Allstate Reimbursement Information
Allstate reimburses you for eligible veterinary treatments by subtracting your annual deductible and then applying your chosen reimbursement rate up to your annual coverage limit, helping you manage out-of-pocket expenses even for costly care.
Emergency hospitalization reimbursement example
Emergency hospitalization for foreign object ingestion in a dog
Total vet costs: $2,800 (emergency exam, imaging, surgery, hospitalization, medications)
Deductible amount to subtract: $250 (annual, not yet used)
Amount reimbursable after deductible: $2,800 – $250 = $2,550
90% of this amount reimbursed: $2,550 × 90% = $2,295
👉 You receive a reimbursement of $2,295.
ℹ️ The remaining $505 is your out-of-pocket cost, including the deductible and 10% coinsurance. The deductible only applies once per policy year; future claims that year are not reduced by it.
Chronic Skin Allergy Treatment Reimbursement
Treatment for chronic skin allergy (diagnostics and medication).
Total vet costs: $400 (consultation, allergy testing, long-term medication).
Deductible already used during a previous claim this year.
Amount reimbursed at 90%: $400 × 90% = $360.
👉 You receive $360.
ℹ️ Only the 10% coinsurance ($40) is your responsibility since the deductible was already met earlier in the policy year.
Routine dental cleaning and wellness visit reimbursement
Total vet costs: $275 (routine exam, vaccines, dental prophylaxis)
Deductible: Not applicable for Wellness Rewards, as it reimburses directly for qualifying preventive expenses
Reimbursement up to annual Wellness Rewards allowance: $250 (80% of the total)
👉 You receive $250, the maximum yearly wellness reimbursement.
ℹ️ The remaining $25 is at your expense. The Wellness Rewards program is an optional add-on to the highest-tier plan and can reimburse up to your annual cap for preventive care each year.
Allstate Assistance
| Assistance Allstate | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment at the clinic; policyholders pay upfront and claim reimbursement. |
| Payment facilities | ✅ | Monthly or annual premium payments available, no specific 3-month no-fee plan detailed. |
| Mobile app | ✅ | Embrace app allows claim submission, policy management, document upload. |
| App store user rating: ~4.5/5 (iOS/Android); appreciated for ease of use. | ||
| Paperless claims process | ✅ | 100% paperless: claims filed via app or portal; supporting documents uploaded online. |
| Emergency vet service | ❌ | No 24/7 veterinary advice line or teleconsultation feature for policyholders. |
| Vet/clinic partner network | ❌ | No preferred network; pet owners can use any licensed US veterinarian. |
| Coverage abroad | ✅ | Coverage applies at any licensed veterinarian in the US and worldwide. |
Allstate Customer Reviews
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 1.2 out of 5 (649 reviews) |
We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to Allstate for their pets occasionally mention:
- An appreciation for agents who are knowledgeable and try to be helpful in the initial sales process.
- The company’s broad national presence and perceived brand reliability at the time of subscription.
On the negative side:
- A severe dissatisfaction with claims processing, with many citing repeated delays, denials for technicalities, and unresponsiveness.
- An overwhelming number of complaints about unhelpful or even rude customer service experiences, especially during claims and cancellation.
- A common frustration with billing and cancellation procedures, including unexpected charges, difficulty obtaining refunds, and reported negative credit impacts.
- Numerous policyholders note communication breakdowns between departments and lack of proactive follow-up from agents.
- Several users report difficulty in having policy promises fulfilled, with discrepancies between what was verbally promised and what was delivered.
Contacting 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 | For Allstate-branded pet insurance (administered by Embrace): Call 1-800-511-9172 or use your Embrace policy portal. Required: completed claim form, itemized invoice, and pet medical records if requested. Claims processed by direct deposit or check; average processing time is typically under 10 days. |
| To obtain a certificate of insurance | Call 1-800-511-9172 (if policy is through Embrace). You may also request the document by email at hello@embracepetinsurance.com. |
| To contact assistance | For pet insurance policy questions or support: Call 1-800-511-9172 (Embrace Customer Care) Mon–Fri 9am–8pm ET. For Allstate general insurance: 1-877-810-2920 or CommunityCare@allstate.com. |
| To cancel my policy | Call 1-800-511-9172 (Embrace, Pet Insurance) or your local Allstate agent. No notice period required; have your policy number and owner/contact details. Email cancellation requests may be sent to hello@embracepetinsurance.com. Refunds for unused premium per contract terms. |
Call 1-800-511-9172 or use your Embrace policy portal.
Required: completed claim form, itemized invoice, and pet medical records if requested.
Claims processed by direct deposit or check; average processing time is typically under 10 days.
You may also request the document by email at hello@embracepetinsurance.com.
Call 1-800-511-9172 (Embrace Customer Care) Mon–Fri 9am–8pm ET.
For Allstate general insurance: 1-877-810-2920 or CommunityCare@allstate.com.
No notice period required; have your policy number and owner/contact details.
Email cancellation requests may be sent to hello@embracepetinsurance.com.
Refunds for unused premium per contract terms.
FAQ
Do I have to pay upfront for veterinary fees with Allstate?
Yes, you must pay the veterinary bill directly to your vet at the time of service. Allstate does not offer a third-party payment or direct-to-vet payment system. After the visit, you can file a claim for eligible expenses and receive reimbursement according to your policy’s terms.
How do I cancel my pet insurance policy with Allstate?
You can cancel at any time by calling 1-800-511-9172 (if administered by Embrace) or contacting your Allstate agent. No notice period is required, but you should have your policy number and basic owner details ready. You may need to confirm your request in writing or email, and refunds for unused premium are provided as per contract terms.
What documents do I need to submit a claim, and how do I file?
To file a claim, you will need an itemized invoice from the veterinarian, a completed claim form, and possibly your pet’s full medical history. Claims can be submitted digitally via the MyEmbrace portal, email, or by mailing documents to Embrace Pet Insurance Claims Dept, P.O. Box 22188, Beachwood, OH 44122-0188. Claims are generally processed within 10 days and reimbursement is paid by check or direct deposit.
Which veterinarians can I use with an Allstate pet insurance policy?
You can visit any licensed veterinarian, specialist, or emergency clinic in the US or even worldwide. There are no network restrictions or required referrals for covered services. Simply pay at time of service and submit your claim for reimbursement.
What is covered and not covered with Allstate pet insurance?
Covered services include accidents, illness, cancer, surgeries, lab work, hospital stays, chronic and genetic conditions, medications, and behavioral therapy if veterinarian-prescribed. Preventive care such as checkups, vaccines, spay/neuter, and dental cleaning is only reimbursed if you have purchased the optional Wellness Rewards add-on. Pre-existing conditions, elective/cosmetic procedures, breeding, and most supplements or personal care items are excluded.
How long does it take to get reimbursed?
Once your claim is submitted with all required documents, processing usually takes less than 10 days if there are no additional questions. You will receive reimbursement by check or direct deposit based on your selection during enrollment. Some complex claims or missing information may delay payment beyond this window.
Do I have to pay upfront for veterinary fees with Allstate?
Yes, you must pay the veterinary bill directly to your vet at the time of service. Allstate does not offer a third-party payment or direct-to-vet payment system. After the visit, you can file a claim for eligible expenses and receive reimbursement according to your policy’s terms.
How do I cancel my pet insurance policy with Allstate?
You can cancel at any time by calling 1-800-511-9172 (if administered by Embrace) or contacting your Allstate agent. No notice period is required, but you should have your policy number and basic owner details ready. You may need to confirm your request in writing or email, and refunds for unused premium are provided as per contract terms.
What documents do I need to submit a claim, and how do I file?
To file a claim, you will need an itemized invoice from the veterinarian, a completed claim form, and possibly your pet’s full medical history. Claims can be submitted digitally via the MyEmbrace portal, email, or by mailing documents to Embrace Pet Insurance Claims Dept, P.O. Box 22188, Beachwood, OH 44122-0188. Claims are generally processed within 10 days and reimbursement is paid by check or direct deposit.
Which veterinarians can I use with an Allstate pet insurance policy?
You can visit any licensed veterinarian, specialist, or emergency clinic in the US or even worldwide. There are no network restrictions or required referrals for covered services. Simply pay at time of service and submit your claim for reimbursement.
What is covered and not covered with Allstate pet insurance?
Covered services include accidents, illness, cancer, surgeries, lab work, hospital stays, chronic and genetic conditions, medications, and behavioral therapy if veterinarian-prescribed. Preventive care such as checkups, vaccines, spay/neuter, and dental cleaning is only reimbursed if you have purchased the optional Wellness Rewards add-on. Pre-existing conditions, elective/cosmetic procedures, breeding, and most supplements or personal care items are excluded.
How long does it take to get reimbursed?
Once your claim is submitted with all required documents, processing usually takes less than 10 days if there are no additional questions. You will receive reimbursement by check or direct deposit based on your selection during enrollment. Some complex claims or missing information may delay payment beyond this window.
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