Our Thoughts on Allstate Pet Insurance
Founded in 1931, Allstate is a long-standing insurance company that offers an array of products such as auto and homeowners policies. It does not sell pet insurance directly but has a referral relationship with Embrace, which offers pet insurance policies. Our team gave Embrace 4.7 out of 5 stars and named it our pick for savings on account of its available discounts. Embrace pet insurance plans are available in all U.S. states except Maine.
Based on our research, there’s no difference between Embrace plans purchased through Allstate or on the Embrace website. Some consumers with an established Allstate relationship and dedicated personal agent may prefer discussing and purchasing the plan through the Allstate platform.
Embrace offers solid coverage, responsive customer service, a flexible wellness benefits program and multiple savings opportunities, based on our review. However, customers have complained about denied claims, cost increases and a lack of bundling opportunities with Allstate products.
How Allstate Scored in Our Methodology
When we analyzed Allstate pet insurance using our ratings methodology, the company scored 5 out of 5 stars. Allstate partners with Embrace to offer pet insurance plans and earned full points in each of our rating categories, minus company reputation. In addition, Allstate earned multiple bonus points in our covered treatments rating category, pushing its rating above our standard 5 stars.
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Pet Insurance Rating
Allstate’s Plans and Pricing
Allstate customers have access to both of Embrace’s pet insurance plans, covering accidents only or accidents and illnesses.
Embrace’s accident-only policies provide up to $5,000 in annual reimbursements to help pay for the treatment of sudden injuries, such as broken bones. The company’s accident and illness policies provide coverage for the care of both injuries and conditions that develop over time, such as cancer and joint issues. Coverage for both plans begins after designated waiting periods.
How Much Does Allstate Pet Insurance Cost?
The cost of Allstate pet insurance, administered by Embrace, is influenced by the coverage you select and your pet’s age, species, breed and location. Some pet breeds, such as French bulldogs, are more likely to develop certain health conditions, resulting in potentially higher insurance costs. Over time, pet insurance premiums may increase to adjust for inflation and the likelihood of an older pet developing health issues. A pet enrolling in an Embrace plan on or after 15 years old is eligible only for an accident-only plan, subject to a $5,000 annual coverage limit.
We collected several quotes to estimate the cost of Embrace coverage. Based on our research, the average cost of a base plan for dogs is $73 per month and $39 for cats.
| Accident and Illness | $250 Wellness Rewards | $450 Wellness Rewards | $650 Wellness Rewards | |
| Average monthly cost* | $56 | $19 | $35 | $52 |
| Summary | Base accident and illness plan | Wellness add-on with $250 in annual benefits | Wellness add-on with $450 in annual benefits | Wellness add-on with $650 in annual benefits |
*We determined average monthly costs by obtaining quotes in each U.S. state for four sample pets: a 5-year-old medium-breed dog, a 2-year-old golden retriever, a 5-year-old mixed-breed cat, and a 2-year-old Siamese cat.
Pet owners looking for more comprehensive coverage can choose from exam fees and prescription drug add-ons for an extra $5 and $10 each month.
You can also enroll in a wellness rewards program, which can cost between $19 and $52 per month on top of base plan pricing.
Allstate pet insurance plans, administered by Embrace, cost slightly more than the national average of providers we reviewed. Although not the cheapest option, Embrace offers several discounts that policyholders can stack together to save money on premiums without compromising on coverage.
What Does Allstate Pet Insurance Cover?
Allstate’s base accident and illness plan covers services your pet could need in the event of an accident, injury, or acute or chronic illness, including veterinary exams, diagnostic tests and treatments. Pet owners can also choose to add wellness rewards coverage, which provides an annual allowance that pet owners can choose to spend on preventative care services, including routine vaccinations.
Allstate pet insurance, administered by Embrace, excludes coverage for pre-existing conditions, which are defined as symptoms or diagnosed diseases that first occurred before policy enrollment or during the waiting period. Other exclusions include costs related to the following:
- Breeding, pregnancy and birth
- Organ transplants and other experimental procedures
- Working dog duties
- Fighting, cruelty or neglect
- Supplements
- Select complementary therapies
Check out a sample policy to learn more about specific exclusions with Embrace.
Allstate Accident and Illness Plan
Administered by Embrace, a base Allstate pet insurance plan covers the costs of diagnosing and treating conditions caused by accidents, injuries or illnesses. Some covered conditions include:
- Illnesses
- Breed-related conditions
- Genetic diseases
- Chronic diseases
- Dental trauma or illness
- Behavioral conditions
- Acute injuries
Covered diagnostics and treatments include:
- Physical exams
- Imaging tests
- Prescription medications
- Non-elective surgery
- Rehabilitation
- Specialty care
- Overnight hospitalization
- Emergency room visits
- Cancer therapy
Allstate Wellness Rewards
Embrace’s preventative care plan — offered as a paid add-on — is among the most flexible of providers we’ve reviewed. Policyholders can choose from three tiers of wellness coverage. Pet owners can choose to spend wellness plan funds on approved preventive care services, which may include:
- Vaccines
- Exams
- Screening tests
- Parasite preventives
- Dental care
- Spay or neuter surgery
- Grooming
- Activity monitors
- End-of-life care
Here is a breakdown of available wellness plan levels and associated monthly costs:
- $250 wellness rewards: Adds $19 per month
- $450 wellness rewards: Adds $35 per month
- $650 wellness rewards: Adds $52 per month
Note that unused funds will not rollover into the next plan year.
Allstate’s Optional Add-On Coverage
Allstate’s plans are comprehensive, but pet owners can still choose to purchase add-ons. During sign-up in some states, the company may ask if you want to include or exclude exam fees or prescription drugs coverage, which run about $5 to $10 each per month. When using the online quote tool, these options are automatically toggled to the “on” position. If you do not want to add coverage, toggle each one to the “off” position.
Customizable Coverage Levels
Embrace offers a variety of deductibles, reimbursement rates and annual limits, allowing policyholders to customize their pet’s coverage and monthly payments. However, you cannot increase your pet’s coverage levels after enrollment without additional underwriting — which results in resetting the waiting periods — so choosing the highest possible coverage at sign-up is prudent. You can always lower your coverage later.
Deductible Options
Embrace offers five choices of deductibles: $100, $250, $500, $750 or $1,000. Choosing a higher deductible can help lower monthly premiums, but will also increase the amount you pay when you file your first claim each policy term.
Reimbursement Rates
Customers can choose a 70%, 80% or 90% reimbursement rate, which is the amount of a veterinary bill Embrace will pay out after your deductible. Choosing a lower reimbursement rate can result in lower monthly premium costs.
Annual Limit Options
Embrace offers several annual limit options to suit a range of budgets: $5,000, $8,000, $10,000, $15,000 or unlimited coverage. Note that unlimited coverage is more expensive than the other choices.
Policy Sign-Up, Claims Filing and Payout Processes
Pet owners can sign up for Allstate pet insurance, administered by Embrace, by obtaining a quote online. You can head to the Allstate website and click on the option to get a quote for pet insurance, which should bring you to the Embrace quote tool to enter information about you and your pet. From there, you will receive a preliminary quote, and can further adjust your overall insurance cost by customizing your annual coverage limit, deductible and reimbursement rate. The website clearly lists covered and excluded conditions, as well as a sample policy, based on our research.
Once your pet is signed up, you should receive information detailing how to set up your online account with Embrace, the company that is administering your pet insurance policy. You can use the online account to upload records from your pet’s most recent veterinary exam, which must have occurred in the 12 months before enrollment. Otherwise, you must take your pet to the vet for an exam within two weeks of enrollment.
You can file and manage claims through the MyEmbrace website and app. Customer reviews report that Embrace sometimes takes several weeks to process and close claims. Sending your pet’s medical records and veterinary invoices to Embrace as soon as you file a claim may help speed up the process.
Like most other pet insurance providers, Embrace pays reimbursements out to pet owners after claims close. You may opt to receive a paper check in the mail or direct deposit into your bank account. Embrace policies do not offer a direct vet payment option, unlike some other insurers we reviewed.
Allstate’s Waiting Periods and Age Restrictions
A waiting period is the time between signing up for a policy and when benefits begin, and it varies by company and state due to insurance laws. In general, Embrace has waiting periods of two days for accidents, 14 days for illnesses and six months for orthopedic conditions. However, the company may reduce the orthopedic waiting period to 14 days with an exam.
Pets must be at least 6 weeks old and no older than 15 years to enroll in Embrace’s standard accident and illness coverage. Pets older than 15 years, and those with certain medical conditions, are not eligible for illness coverage. Instead, these pets can enroll in an accident-only policy.
What Customers Think About Allstate Pet Insurance
Because Embrace administers Allstate pet insurance plans, we read through Embrace’s Trustpilot reviews to see what customers think about its coverage. We outlined major likes and dislikes below.
What Customers Like
- Customer service: Some reviewers, such as this one, seemed pleased with the Embrace customer care team.
- Fast, easy claims: Another recent review mentioned claims turnaround times as short as a few days.
What Customers Don’t Like
- Price increases: Some customers saw significant price hikes with policy renewals.
- Pre-existing conditions: Many customers, including this one, felt frustrated about the company’s pre-existing condition policy, which can exclude pets from coverage for certain health issues.
We reached out to Allstate for comment on the negative customer reviews associated with Embrace but did not receive a response.
Allstate Pet Insurance vs. the Market
Check out our comparison table to see how Allstate’s pet insurance, administered by Embrace, stacks up against other top providers.
| Company | Monthly Cost | Star Rating | Accident Waiting Period | BBB Rating | Visit Site |
|---|---|---|---|---|---|
| $21-$52 | 30 days | A+ | EXPLORE PLANS | ||
| $15-$30 | 2 days* | B- | EXPLORE PLANS | ||
| $34-$75 | 14 days | A- | EXPLORE PLANS | ||
| $18-$44 | 14 days | N/R | EXPLORE PLANS | ||
| $39-$73 | 48 hours | A+ | EXPLORE PLANS | ||
| $45-$90 | 15 days | A+ | EXPLORE PLANS | ||
| $24-$54 | 15 days | A+ | EXPLORE PLANS | ||
| $16-$65 | 14 days | A+ | EXPLORE PLANS | ||
| $28-$59 | 3 days | A+ | EXPLORE PLANS |
| Company | BBB Rating | Monthly Cost | Star Rating | Accident Waiting Period | Visit Site |
|---|---|---|---|---|---|
| A+ | $21-$52 | 30 days | EXPLORE PLANS | ||
| B- | $15-$30 | 2 days* | EXPLORE PLANS | ||
| A- | $34-$75 | 14 days | EXPLORE PLANS | ||
| N/R | $18-$44 | 14 days | EXPLORE PLANS | ||
| A+ | $39-$73 | 48 hours | EXPLORE PLANS | ||
| A+ | $45-$90 | 15 days | EXPLORE PLANS | ||
| A+ | $24-$54 | 15 days | EXPLORE PLANS | ||
| A+ | $16-$65 | 14 days | EXPLORE PLANS | ||
| A+ | $28-$59 | 3 days | EXPLORE PLANS |
Allstate vs. Lemonade
Allstate and Lemonade operate on different ends of the pet insurance spectrum. Allstate, administered through Embrace, offers comprehensive coverage at a relatively high monthly premium. Lemonade sells basic, affordable coverage that requires the addition of several riders to create a fully-rounded policy.
Allstate and Lemonade each offer wellness benefits that are administered differently. Lemonade reimburses wellness items based on a set fee schedule, while Embrace provides flexibility in allowing policyholders to use benefits as they wish.
We found that Lemonade is a good choice for pet owners who appreciate artificial intelligence (AI)-based technology for policy management and claims filing. Embrace may suit those who value customer care from human representatives.
| Allstate | Lemonade | |
| Reimbursements | 70%, 80% or 90% | 70%, 80% or 90% |
| Deductibles | $100–$1,000 | $100–$750 |
| Annual limits | $5,000–unlimited | $5,000–$100,000 |
| Average cost for dogs | $73 per month | $30 per month |
| Average cost for cats | $39 per month | $16 per month |
Learn more about Lemonade Pet Insurance in our review.
Allstate vs. Spot
Allstate and Spot pet insurance plans are similar, based on our review. Each provides comprehensive coverage, numerous customization options and optional wellness benefits. Allstate, administered through Embrace, generally reserves accident-only coverage for older or sick pets, while Spot offers this lower-cost coverage option to any enrollee. Those with younger pets who are interested in an Embrace accident-only policy can call to request coverage.
We think Allstate and Spot could appeal to a similar population of pet owners looking for quality customer service and who are willing to pay a bit more for coverage.
| Allstate | Spot | |
| Reimbursements | 70%, 80% or 90% | 70%, 80% or 90% |
| Deductibles | $100–$1,000 | $100–$1000 |
| Annual limits | $5,000–unlimited | $2,500–unlimited |
| Average cost for dogs | $73 per month | $75 per month |
| Average cost for cats | $39 per month | $34 per month |
Read our Spot Pet Insurance review to learn more.
Where Is Allstate Available?
Embrace, the company to which Allstate refers its customers looking for pet insurance, operates in most U.S. states and the District of Columbia. Based on our research, Maine is the only state where Embrace pet insurance is not available.
Frequently Asked Questions about Allstate Pet Insurance
Allstate offers pet insurance plans administered by Embrace, a traditional pet insurance company. Allstate does not underwrite pet insurance policies — rather, it refers customers to Embrace for sign-up and policy management.
Since Allstate pet insurance is administered separately by Embrace, customers cannot bundle coverage with other Allstate insurance products.
Allstate pet insurance plans, administered by Embrace, offer optional wellness coverage, which allows up to $650 per year in reimbursements for certain routine care services. Wellness plans are flexible, letting pet owners choose to spend the entire amount on any approved preventive care service, from vaccinations to grooming.
Allstate customers can manage their pet insurance policy by logging into their MyEmbrace account on the Embrace website. Additionally, Embrace customer service representatives can answer questions or concerns about your policy.
