Allstate Pet Insurance Review 2025

Allstate earned 4.6 stars out of 5 for overall performance.

Allstate pet insurance policies are offered by a company called Embrace.

Allstate and Embrace pet insurance plans have several options for customizing policies. The accident and illness plan covers a wide range of conditions, including breed-specific and genetic conditions, behavioral issues and dental disease.

Pet insurance generally doesn’t cover pre-existing conditions, but Embrace makes an exception if the condition is curable and your pet has been symptom-free for at least a year.

» MORE: The best pet insurance companies

Through Embrace, Allstate offers two basic pet insurance plans with an optional wellness plan you can add on.

Accident and illness coverage

Allstate and Embrace’s accident and illness policy covers:

• Hospitalization and surgery for injuries and illnesses.

• Emergency treatment.

• Diagnostic testing.

• Dental illness, up to $1,000 annually.

• Breed-specific and genetic conditions.

• Alternative treatments, including acupuncture, chiropractic care and therapeutic laser treatment.

• Behavioral treatment. 

• Prosthetic and mobility devices.

You may also be able to add coverage for vet exam fees and prescription drugs.

Accident-only coverage

Allstate offers an accident-only plan through Embrace that doesn’t cover illnesses. It can reimburse some of your vet bills if your cat gets hit by a car or your dog eats something poisonous. The accident-only plan also covers bloat, an emergency condition in which air gathers in a dog’s stomach, causing twisting in the stomach.

Wellness Rewards

You can purchase Wellness Rewards as an add-on in most states to help you plan for routine costs. These expenses include:

• Wellness exams.

• Vaccinations.

• Nutritional supplements.

• Prescription food.

• Spaying or neutering.

• Microchipping.

• Flea, tick and heartworm prevention.

• Preventive dental care.

• Grooming, toenail trimming and medicated shampoo.

• Routine gland expression.

• Training.

• Cremation and burial.

The Wellness Rewards program is available in $300, $500 and $700 tiers, and is designed to save you $25 annually on routine care. In other words, if you chose the $300 plan, you’d pay about $275 for the year, billed in monthly increments of $22.92.

However, any money you don’t spend for the year won’t roll over or be refunded. So you wouldn’t save money if you spent less than $275 on your pet’s wellness care for the year.

Note: Coverage options and availability may vary depending on where you live and the age and breed of your pet.

» MORE: What does pet insurance cover?

Allstate and Embrace pet insurance plans don’t cover:

• Pre-existing conditions, unless they’re curable and your pet has been symptom-free for at least a year.

• Routine veterinary care, including annual checkups, unless you’ve added Wellness Rewards.

• Costs related to breeding or pregnancy.

• Intentional injury by you or a household member.

• Illness or injury due to racing, cruelty or neglect.

• Cosmetic procedures that aren’t medically necessary, including tail docking, ear cropping and dew claw removal.

Deductibles: A pet insurance deductible is the amount you have to pay before your plan reimburses you. Embrace charges annual deductibles ranging from $100 to $1,000 for its accident and illness plan. The accident-only plan has a $100 annual deductible.

Reimbursement amounts: The accident and illness policy can reimburse 70%, 80% or 90% of your vet bills once you’ve met your deductible. The accident-only plan reimburses 90% of your costs.

Coverage limits: Annual coverage amounts range from $5,000 to unlimited for accident and injury plans. The accident-only plan has a $5,000 limit per year.

» MORE: Is pet insurance worth it?

Age restrictions: You can sign up your puppy or kitten for an Allstate accident and illness policy from Embrace once it's 6 weeks old. You can’t buy an accident and illness policy for a pet age 15 or older, but senior pets are eligible for accident-only coverage.

Waiting periods: A pet insurance waiting period is the time between when you buy your policy and when your coverage starts. Waiting periods may vary by state, but Allstate and Embrace generally have a 14-day waiting period for illness claims. Additional waiting periods may apply to orthopedic claims in some states.

The cost of Allstate pet insurance will depend on where you live, how much coverage you choose, and your pet’s age and breed.

To give you an idea of how much you might pay, we gathered quotes for common dog and cat breeds at ages 2 and 8 in Katy, Texas. Our sample plan was for accident and illness coverage with a $250 deductible, $5,000 of annual coverage and an 80% reimbursement rate. Your own price will vary.

» MORE: The best cheap pet insurance

Discounts

The following discounts may be available, depending on your state:

• 10% multiple pet discount if you enroll two or more pets.

• 5% military discount if you or someone in your household is a current or former military member.

• Discount for paying annually instead of monthly.

Allstate pet insurance from Embrace is available in all 50 states and Washington, D.C.

Availability may change at any time. Coverage may not be available to all pets in a given state.

» MORE: How much does pet insurance cost?

Website: Although you can find some basic pet insurance information on Allstate’s website, you’ll be redirected to Embrace’s website to get a quote. You'll also use the Embrace site to manage your account, update billing information and submit claims.

Mobile app: Embrace has a highly rated app that you can use to manage your policy, update billing information, add pets and submit claims.

You can file claims through Embrace’s website or mobile app, or by email, mail or fax. You’ll need to provide an itemized invoice and the diagnosis or reason for the vet visit. Embrace says it usually processes claims within 10 to 15 business days. However, first-time claims can take up to 30 days to process. (Some other insurers process claims within a couple of days.)

Embrace calculates your claim payout by applying the deductible to your vet bill before the reimbursement amount kicks in. This is a more generous method than some insurers use.

Here’s how the math would work if you have a $1,000 vet bill, a $100 deductible and an 80% reimbursement rate.

Phone: Embrace’s customer care is available by phone at 855-540-2104 Monday through Saturday. Embrace also offers a 24/7 pet health line.

Chatbot: Embrace offers a chatbot on its website.

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