Is Allstate Pet Insurance Worth It? Reviews 2025
Our Expert's Opinion on Allstate
Allstate offers pet health insurance for dogs and cats through its partnership with Embrace, providing personalized plans with adjustable reimbursement rates, annual limits, and deductibles. Its flexible structure stands out—owners can tailor coverage for accidents, illnesses, chronic and hereditary conditions, cancer, and even behavioral therapy, while the Wellness Rewards option partially covers preventive routine care. The reimbursement rates, limits, and deductible are chosen at enrollment, allowing adaptation to many budgets, with typical monthly premiums ranging from $30 to $50. Compared to competitors, Allstate’s product offers broad, customizable coverage and wellness add-ons, yet positions at a mid-market price point with few premium-like perks. Allstate Pet Insurance is best suited for young to middle-aged pets without pre-existing conditions and for owners seeking to cover genetic/breed-specific illnesses or chronic issues, as well as multi-pet households who benefit from policy discounts. The underwriting company, American Modern Home Insurance, is rated A+ (A.M. Best), indicating strong financial reliability. However, Allstate’s Trustpilot score is a notably low 1.2/5 on 649 reviews, reflecting customer dissatisfaction primarily with claim handling and customer service. Most reimbursements occur via a digital portal; processing can be protracted, and communication reportedly inconsistent. These aspects are crucial for prospective policyholders to weigh.
- Highly customizable plans: deductible, reimbursement rate, and annual limit
- Covers accidents, illnesses, hereditary and chronic conditions
- Includes cancer care without extra charges
- Optional Wellness Rewards for routine/preventive care
- Multi-pet and military discounts available
- Choice of any veterinarian, specialist, or emergency clinic
- Strong A+ financial backing by American Modern Home Insurance
- Trustpilot rating of 1.2/5 on 649 reviews
- Long waiting periods reported for claim reimbursement
- Strict exclusion of pre-existing conditions
- No coverage for pets aged 14+ for illness (accident-only)
- Preventive care only via optional add-on, not core insurance
- Allstate guarantees
- Allstate Exclusions
- Allstate Rates
- Allstate Assistance
- Customer feedback on Allstate
- How to contact Allstate?
- FAQ
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Allstate guarantees
Allstate, via Embrace, offers a highly customizable pet insurance policy without standard “tiered” formulas; each contract is tailored with chosen annual reimbursement limit, deductible, and co-insurance rate, as well as optional medication and wellness plan coverage. Coverage stands out by including accidents, illnesses (including chronic and genetic conditions), cancer, advanced diagnostics, behavioral therapy, and comprehensive complementary therapies on prescription—offering broad, robust protection for both cats and dogs, with annual deductibles and variable co-insurance (most often 70–90%). Advantages include minimal accident waiting period (2 days), flexibility in reimbursement rates and limits, annual deductible with “Healthy Pet Deductible” reward (lowering deductible each year without claims), and coverage for multiple pets under one contract with discounts. However, Allstate does not include preventive/routine care by default (only via a separate “Wellness Rewards” package, which is not insurance), excludes all pre-existing conditions, elective/cosmetic procedures, and sets an annual cap for dental illness coverage ($1,000). Routine check-ups, vaccinations, and preventive treatments are excluded unless purchased as a supplement.
| Name of benefit | Allstate Pet Insurance (via Embrace, customizable contract) |
|---|---|
| Positioning of the policy | Flexible policy, personalized at sign-up, for cats and dogs |
| Type of coverage | Accident and illness as standard, accident-only optional if over 14 |
| Covered animals | Dogs and cats |
| Reimbursement rate (%) | 70%, 80%, or 90% (customer’s choice at enrollment) |
| Annual reimbursement cap on vet expenses | $5,000 to unlimited (selected by policyholder) |
| Deductible annual/per claim | Annual deductible ($200–$1,000, selected by policyholder) |
| Min-max age for enrollment (cats) | 6 weeks minimum, 14 years maximum |
| Min-max age for enrollment (dogs) | 6 weeks minimum, 14 years maximum |
| Health questionnaire before enrollment? | Must disclose vet visits in last 12 months, exam required |
| Waiting period for illness | 14 days after enrollment |
| Waiting period for accident | 2 days after enrollment |
| Lifetime coverage once insured? | Yes, as long as policy is continuously renewed |
| Vet visits (regular, emergency, specialist) | Covered if medically necessary |
| Medications | Covered if added as option (prescribed by vet) |
| Hospitalization | Covered for covered conditions |
| Ambulance fees | Covered in emergency medical cases |
| Surgery, anesthesia | Covered for covered illnesses/accidents |
| Scans, MRI, ultrasounds | Covered when prescribed |
| Lab tests | Covered for diagnosis of covered conditions |
| Radiation therapy | Cancer treatment covered, including radiation |
| Dental (treatment, trauma) | Accidents covered, dental illness up to $1,000/year |
| Dental scaling/cleaning | Not covered under insurance, only under “Wellness” plan |
| Preventive package (amount/inclusions) | Option: Wellness Rewards $250, $450, $650/year—not insurance; covers vaccines, check-ups, dental cleanings, preventives, microchipping, prescription food, grooming, training |
| Alternative medicine therapies | Acupuncture, chiropractic, hydrotherapy, laser, physical therapy—covered on vet’s prescription |
| Therapeutic diet | Only for feline hyperthyroidism (if prescribed); otherwise excluded |
| Countries/travel coverage | Worldwide, must pay provider first; reimbursement by Allstate |
| Death/cremation | Euthanasia (humane) for covered condition, cremation not covered |
| Euthanasia | Covered for medical necessity on covered illness/accident |
| Theft/loss/search expenses | Not covered |
| Boarding fees | Not covered |
Good to know
- If the required veterinary exam is not provided, only accident coverage applies—illness coverage is inactive.
- The "Wellness Rewards" plan is a reimbursable routine care allowance and not an insurance policy (subject to annual maximum: $250/$450/$650).
- Waiting period for orthopedic conditions in dogs is 6 months (can be reduced by orthopedic exam).
- Dental payout limit ($1,000/year) applies only to dental illness; accident-related dental remains under global cap.
- Chronic and genetic conditions are covered as long as they are not pre-existing and the waiting period is respected.
- There is a discount for insuring multiple pets and for military members.
- Claims must be filed within the coverage year or up to 60 days after expiration.
- No coverage for costs related to breeding, pregnancy, or behavioral problems showing symptoms before coverage.
Allstate Exclusions
Among U.S. pet insurers, Allstate (underwritten by Embrace) applies classic exclusions such as pre-existing conditions (including all symptoms or illnesses present before the end of the waiting period) and non-medically necessary or cosmetic procedures (docking, declawing, ear cropping unless medically required). A notable difference from some competitors is the systematic exclusion of all costs related to breeding, pregnancy and whelping, regardless of context. In addition, all personal care and non-prescribed products (supplements, shampoos, unprescribed diets) are categorically not reimbursed, even if recommended by a non-veterinarian. Unlike certain U.S. insurers that may review chronic conditions after a prolonged symptom-free period, Allstate applies a strict approach: any condition documented prior to enrollment remains permanently excluded.
| Exclusions | Details |
|---|---|
| Medical exclusions | - Pre-existing conditions (any illness or symptom before end of waiting period) - Consequences of excluded or pre-existing conditions - Non-medically necessary or cosmetic procedures (docking, ear cropping, declawing unless justified medically) |
| Preventive & maintenance | - Vaccines, routine check-ups, preventive care not included unless "Wellness Rewards" option is subscribed - Professional grooming, cleaning, non-veterinary advice - All supplements and non-prescribed foods/products |
| Reproductive exclusions | - All costs related to reproduction, pregnancy, mating, birth, and fertility treatments (systematically excluded regardless of reason) |
| Administrative & identity | - Costs from incomplete disclosure of veterinary history - Fees for forms, records, or late claims submission |
| Geographic | - No exclusion for travel or location; coverage applies U.S.-wide when care is provided and paid by the policyholder |
- Consequences of excluded or pre-existing conditions
- Non-medically necessary or cosmetic procedures (docking, ear cropping, declawing unless justified medically)
- Professional grooming, cleaning, non-veterinary advice
- All supplements and non-prescribed foods/products
- Fees for forms, records, or late claims submission
Allstate Rates
Overall, Allstate’s pet insurance positions itself in the median price range for the US market, offering customizable coverage with solid reimbursement rates and a broad medical scope, including accidents, illness, cancer, and therapies. Deductibles and annual limits are adjustable, and standard packages typically provide a good balance between breadth of coverage and monthly premium, but not the highest reimbursement rates or lowest out-of-pocket costs. The option to reimburse routine care via the "Wellness Rewards" plan also helps compete with full-service actors, yet key exclusions—such as pre-existing conditions and preventive care without the add-on—align with market norms. As a semi-digital offer managed via the partner Embrace, administrative costs are slightly improved versus traditional “agency-first” insurers, but the price is not as aggressive as pure digital-native players with limited coverage. Allstate thus appeals to owners seeking robust, mainstream coverage without paying for high-end perks, but it is rarely the cheapest (or most comprehensive) on the market.
Compare your options to identify the most cost-effective plan for your pet’s needs.
| Accidents & Illness | Accidents Only | Accidents & Illness + Wellness Rewards | |
|---|---|---|---|
| Cat young (2–4 yrs) | $28/mo | $18/mo | $46/mo |
| Cat senior (7–8 yrs) | $37/mo | $21/mo | $55/mo |
| Small dog (2–4 yrs) | $36/mo | $21/mo | $56/mo |
| Large dog (2–4 yrs) | $49/mo | $28/mo | $70/mo |
| Senior dog (7–8 yrs) | $68/mo | $38/mo | $88/mo |
Allstate promo codes
| Allstate promo codes | Details |
|---|---|
| Multi-pets | 10% off for each additional insured pet |
| Military discount | 5% discount for military personnel |
Note: Promo codes may change. For the latest promo codes, visit our comparison of the best pet insurance.
How much will I be reimbursed with Allstate?
| Treatment name | Average cost (USD) | Allstate Pet Insurance (Illness & Accident) – up to 90% reimbursement¹ | Allstate Pet Insurance (Accident-Only) – up to 90% reimbursement¹ | Allstate Wellness Rewards (Routine care/preventive only) |
|---|---|---|---|---|
| Fracture care (leg) | $2,000 | Reimbursed $1,800 Out-of-pocket: $200 (excl. deductible) | Reimbursed $1,800 Out-of-pocket: $200 (excl. deductible) | Not covered |
| Infection treatment (antibiotics, consult, follow-up) | $350 | Reimbursed $315 Out-of-pocket: $35 (excl. deductible) | Not covered | Not covered |
| Tumor removal surgery | $1,200 | Reimbursed $1,080 Out-of-pocket: $120 (excl. deductible) | Not covered | Not covered |
| Vaccination (core annual set) | $110 | Not covered | Not covered | Reimbursed $110 Out-of-pocket: $0 (if wellness limit available) |
| Neutering/Spay | $450 | Not covered | Not covered | Reimbursed $450 Out-of-pocket: $0 (if wellness limit available) |
Out-of-pocket: $200 (excl. deductible)
Out-of-pocket: $200 (excl. deductible)
Out-of-pocket: $35 (excl. deductible)
Out-of-pocket: $120 (excl. deductible)
Out-of-pocket: $0 (if wellness limit available)
Out-of-pocket: $0 (if wellness limit available)
¹ Up to 90% reimbursement after annual deductible, up to annual policy limits.
Note: “Routine care” (Wellness) is only available if you add the Wellness Rewards option; illness/accident insurance does not cover vaccines, spay/neuter or other preventive/routine expenses. For routine, reimbursement is within your annual Wellness Rewards balance.
Allstate Assistance
Allstate, via its partner Embrace, offers standard assistance focused on reimbursement after payment by the policyholder, with no upfront payment system or identified payment facilities. This may expose owners to significant expenses in the event of an unforeseen event.
Reimbursement requests are handled entirely online through a client portal, but there is no dedicated mobile application for claims management, which limits ease of use on smartphones.
No veterinary teleconsultation service, 24/7 emergency assistance, or partner clinic network is offered, leaving owners alone for the immediate management of a medical emergency.
Coverage abroad is included but remains subject to the policyholder paying upfront and then seeking reimbursement within contractual limits.
Finally, Allstate's degraded reputation on Trustpilot raises questions about the perceived quality of customer service and the smoothness of administrative management.
| Allstate assistance | Available? | Details |
|---|---|---|
| Upfront payment | ❌ | No advance payment system like Payvet, Petcard, or Carecredit is offered. The policyholder must always pay the veterinarian first and then request reimbursement. |
| Payment facilities | ❌ | No installment payments or interest-free payment terms are provided. Payment is generally made monthly for the premium but no payment plan for veterinary bills is offered. |
| Mobile app | ❌ | No dedicated app is mentioned for claims management. Management is done through a web client portal. |
| Digitized reimbursement management | ✅ | Entirely online process via the client area (portal), from claim submission to tracking consultation. Documents must be uploaded or sent by email or portal. |
| Emergency veterinary service | ❌ | No emergency veterinary assistance system is provided by the insurer. No teleconsultation or 24/7 hotline for immediate care. |
| Partner clinic/vet network | ❌ | No network of partner clinics. The policyholder freely chooses their veterinarian but receives no coordination or benefit from a network. |
| Coverage abroad | ✅ | Coverage operates abroad during travel, with no territorial limitation, but the policyholder must always pay upfront and then file a claim. Reimbursement is subject to coverage limits, deductible, and exclusions specified in the policy. |
Customer feedback on Allstate
| Review site | Score and number of reviews |
|---|---|
| Trustpilot | 1.2/5 (649 reviews) |
We have analyzed the reviews from the site listed above. In terms of positive points, customers who have purchased a pet insurance policy from Allstate mention:
- The ease of choosing any veterinarian: the flexibility to visit the specialist or veterinary clinic of their choice is appreciated in the product offering.
- The variety of coverage options: clients note the ability to customize their plan with accident and illness options, dental, medications, and even wellness add-ons to reimburse routine care.
- Discounts and multi-pet options: some policyholders underline the possibility to reduce costs thanks to multi-pet discounts or special rates for military members.
On the negative side:
- The claims experience is overwhelmingly criticized, with clients reporting recurring reimbursement denials even for circumstances that appear covered and prolonged payment delays.
- The customer service is described as very hard to contact, with long hold times (often over two hours), lack of follow-up, and impolite staff, making problem resolution tedious or impossible.
- The contract management process (cancellation, billing) is judged as opaque or abusive, with many complaints about the difficulties in canceling online, perceived pressure tactics, and partial or refused refunds.
- The lack of transparency concerning policy conditions (such as undisclosed requirements or exceptions) regularly frustrates policyholders, especially when denied coverage is not clearly explained in advance.
- Many users express disappointment with communication post-purchase, as Allstate’s responses to complaints are seen as generic and impersonal, rarely leading to a concrete solution.
- The reputation of the brand on review platforms is particularly poor, with a very low overall score that reflects strong dissatisfaction, especially compared to some competitors.
How to contact Allstate?
| Allstate customer service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe best pet insurance comparator, choose the plan that suits you and click to get a quote. Or visit the Allstate website – Get a quote and fill in the required information online. |
| To request and track a reimbursement | Make the request via the online customer portal (preferred). You can also send a request by email, fax or postal mail. Documents to include: official claim form, detailed veterinary bills, pet medical record if requested. Timeframe: send your claim during the coverage period or within 60 days after the contract ends. You will be given detailed follow-up in your customer portal. Contact details: - Phone Embrace/Allstate Pet Health: 1-800-511-9172 - Mail: Embrace/Allstate Pet Insurance, 4530 Richmond Rd., Cleveland, Ohio 44128 - General Allstate email: [email protected] Reimbursements are usually made by bank transfer, the usual processing time is between 5 and 15 business days after validation of the dossier. |
| To obtain a certificate of insurance | Log in to your online client area and download the certificate of coverage. You can also request it: - By phone: 1-800-511-9172 - By email: [email protected] - By mail: Embrace/Allstate Pet Insurance, 4530 Richmond Rd., Cleveland, OH, 44128 Please provide the identification details of your contract. |
| To contact assistance | Allstate Customer Service phone: 1 (877) 810-2920 Pet Health/Embrace phone: 1-800-511-9172 Email: [email protected] You can also use the customer portal to contact assistance, track your requests or request a callback. For any veterinary emergency, contact a vet directly: coverage is provided after payment by the policyholder, then reimbursed by Allstate (according to the subscribed coverage). |
| To terminate my contract | You can request termination at any time: - Contact customer service by phone at 1-800-511-9172 - Or send an email to [email protected] - Or send a registered letter to: Embrace/Allstate Pet Insurance, 4530 Richmond Rd., Cleveland, Ohio 44128 Documents to provide: letter stating your wish to terminate, policy number, proof of death or transfer of the animal if applicable Notice: Termination takes effect after notification, with no retroactive effect beyond 60 days except for legitimate reasons (death or transfer). If a claim is in progress or paid, the refund of premiums will be prorated. Keep proof of your request. |
Or visit the Allstate website – Get a quote and fill in the required information online.
You can also send a request by email, fax or postal mail.
Documents to include: official claim form, detailed veterinary bills, pet medical record if requested.
Timeframe: send your claim during the coverage period or within 60 days after the contract ends.
You will be given detailed follow-up in your customer portal.
Contact details:
- Phone Embrace/Allstate Pet Health: 1-800-511-9172
- Mail: Embrace/Allstate Pet Insurance, 4530 Richmond Rd., Cleveland, Ohio 44128
- General Allstate email: [email protected]
Reimbursements are usually made by bank transfer, the usual processing time is between 5 and 15 business days after validation of the dossier.
You can also request it:
- By phone: 1-800-511-9172
- By email: [email protected]
- By mail: Embrace/Allstate Pet Insurance, 4530 Richmond Rd., Cleveland, OH, 44128
Please provide the identification details of your contract.
Pet Health/Embrace phone: 1-800-511-9172
Email: [email protected]
You can also use the customer portal to contact assistance, track your requests or request a callback.
For any veterinary emergency, contact a vet directly: coverage is provided after payment by the policyholder, then reimbursed by Allstate (according to the subscribed coverage).
- Contact customer service by phone at 1-800-511-9172
- Or send an email to [email protected]
- Or send a registered letter to: Embrace/Allstate Pet Insurance, 4530 Richmond Rd., Cleveland, Ohio 44128
Documents to provide: letter stating your wish to terminate, policy number, proof of death or transfer of the animal if applicable
Notice: Termination takes effect after notification, with no retroactive effect beyond 60 days except for legitimate reasons (death or transfer).
If a claim is in progress or paid, the refund of premiums will be prorated.
Keep proof of your request.
FAQ
Do I have to pay veterinary fees upfront with Allstate?
With Allstate pet insurance (administered by Embrace), you are required to pay your veterinarian directly at the time of care. There is no direct billing or "payvet" system—Allstate does not pay vets directly. After your visit, you submit a claim online or by mail, and if approved, you are reimbursed for eligible costs according to your policy’s coverage, deductible, and reimbursement percentage.
How do I cancel my Allstate pet insurance policy?
To cancel your Allstate pet insurance, you should contact customer service (by phone or through your online account) and provide a written cancellation request. There is no specific minimum notice period required, so you can cancel at any time. Be prepared to provide your policy information; if your pet has passed away or been rehomed, supporting documentation may be necessary.
What conditions and treatments are covered by Allstate pet insurance?
Allstate pet insurance typically covers accidents, illnesses (including cancer), hereditary and chronic conditions, surgeries, hospitalization, diagnostics, prescription medications, and certain holistic treatments like acupuncture or hydrotherapy. Preventive and routine care (vaccinations, dental cleanings, etc.) are only reimbursed if you add the optional Wellness Rewards plan; otherwise, these are excluded.
Are pre-existing conditions covered under Allstate pet insurance?
Pre-existing conditions—that is, any illness or symptom noted before the end of your waiting period—are not covered under Allstate pet insurance. However, if your pet has not shown any signs or received treatment for a condition in the past 12 months, some issues may later be eligible for coverage. Always review the waiting periods and definitions in your plan documents.
Can I use any veterinarian with Allstate pet insurance?
Yes, you are free to visit any licensed veterinarian, including specialists and emergency clinics, anywhere in the United States. There is no network restriction—just pay your vet, then submit your claim to Allstate for reimbursement according to your policy terms. This flexibility can be helpful if you travel or move frequently with your pet.
Do I have to pay veterinary fees upfront with Allstate?
With Allstate pet insurance (administered by Embrace), you are required to pay your veterinarian directly at the time of care. There is no direct billing or "payvet" system—Allstate does not pay vets directly. After your visit, you submit a claim online or by mail, and if approved, you are reimbursed for eligible costs according to your policy’s coverage, deductible, and reimbursement percentage.
How do I cancel my Allstate pet insurance policy?
To cancel your Allstate pet insurance, you should contact customer service (by phone or through your online account) and provide a written cancellation request. There is no specific minimum notice period required, so you can cancel at any time. Be prepared to provide your policy information; if your pet has passed away or been rehomed, supporting documentation may be necessary.
What conditions and treatments are covered by Allstate pet insurance?
Allstate pet insurance typically covers accidents, illnesses (including cancer), hereditary and chronic conditions, surgeries, hospitalization, diagnostics, prescription medications, and certain holistic treatments like acupuncture or hydrotherapy. Preventive and routine care (vaccinations, dental cleanings, etc.) are only reimbursed if you add the optional Wellness Rewards plan; otherwise, these are excluded.
Are pre-existing conditions covered under Allstate pet insurance?
Pre-existing conditions—that is, any illness or symptom noted before the end of your waiting period—are not covered under Allstate pet insurance. However, if your pet has not shown any signs or received treatment for a condition in the past 12 months, some issues may later be eligible for coverage. Always review the waiting periods and definitions in your plan documents.
Can I use any veterinarian with Allstate pet insurance?
Yes, you are free to visit any licensed veterinarian, including specialists and emergency clinics, anywhere in the United States. There is no network restriction—just pay your vet, then submit your claim to Allstate for reimbursement according to your policy terms. This flexibility can be helpful if you travel or move frequently with your pet.
