Allstate Pet Insurance Reviews: How It Stacks Up (2025)

Allstate is well-known as a home and auto insurer, and it’s the fourth-largest insurance company in the U.S. by market share.1 If you’re looking for Allstate pet insurance, you should know that the company doesn’t write its own pet insurance policies. Instead, it’ll refer you to the website of its pet insurance partner, Embrace, to buy a policy.

Here’s what you should know about the plans Allstate sells through Embrace and how to find a pet insurance policy that meets your needs.

Allstate pet insurance: Our verdict

Allstate’s pet insurance prices are slightly lower than the national average costs of dog and cat insurance. But its policies can be confusing for customers. That’s especially true if you didn’t know that Allstate doesn’t write its own pet insurance policies. Rather, it receives compensation from selling Embrace pet insurance policies.

But Allstate pet insurance policies still offer a similar level of coverage and have many of the same exclusions as other insurers. It’s worth getting a quote to see how much it’ll cost you, but whether it’s the best pet insurance company for you will depend on your budget and pet’s needs.

Allstate pet insurance pros and cons

Before buying Allstate pet insurance, consider some of its benefits and drawbacks.

Allstate pet insurance plans and coverages

Although Embrace Pet Insurance offers three different plans to choose from, Allstate only offered two choices when Insurify’s editors tried to get a quote. Embrace offers an accident-only policy for pets age 15 and older, but Allstate only made two options available:

Accident and illness plan

Allstate’s only true pet health insurance option covers many types of medical bills for things like dog bites, cancer treatment, and prescription medications. You’ll get to choose from the following coverage options:

• Annual deductible: $100, $250, $500, $750, or $1,000

• Reimbursement rate: 70%, 80%, or 90%

• Annual reimbursement limit: $5,000, $8,000, $10,000, $15,000, or unlimited

As with most pet insurers, you’ll have a few waiting periods to keep track of before Allstate covers your pet: two days for accidents, 14 days for most illnesses, and six months for canine orthopedic conditions like hip dysplasia.

Wellness Rewards

This optional wellness plan reimburses you for routine veterinary costs, like vaccinations and spaying or neutering for puppies and kittens. It’s also a bit more expansive than wellness plans many other pet insurance companies offer, since grooming and training expenses are also reimbursable. 

You can choose from one of three reimbursement levels: $250, $450, and $650. When you tally up the total yearly cost versus the savings you get, you’ll find that it only saves you $25 per year. For example, if you opt for the lowest-level plan, you’ll pay $18.75 per month — a total of $225 per year — in order to get reimbursed up to $250 toward eligible expenses.

What Allstate pet insurance doesn’t cover

Allstate won’t cover any medical expenses unless your pet has had a regular vet exam within 12 months of enrollment, or within 14 days after coverage begins. 

This is because the company may request your pet’s medical records after you file a claim to see if your pet has a pre-existing condition that’s not eligible for coverage. The company doesn’t cover any pre-existing health conditions unless they’re curable and your pet hasn’t shown any symptoms for at least 12 months.

Allstate pet insurance policies also don’t cover medical conditions related to breeding, neglect, or fighting, as well as medical boarding costs, cosmetic procedures, or specific products like supplements and prescription diets.

How much does Allstate pet insurance cost?

Insurance companies use various factors to price their products. Some of the biggest factors affecting the cost of pet insurance include the kind of pet you have, your pet’s age, its breed, and where you live in the country.3

Insurify collected sample quotes to help you compare costs. In this case, we looked at the cost of insuring two pets in Hartford, Connecticut. We chose policy terms for an accident and illness plan that reimburses pet owners 80% of eligible costs after they pay a $500 deductible, up to a total coverage limit of $15,000 per year.

How customers feel about Allstate pet insurance

Given that pet insurance is only a fraction of Allstate’s actual business, it’s not possible to look at actual ratings from pet parents like you can with a dedicated pet insurer.

But you can look at reviews from pet parents for Embrace, which is the company that writes the pet insurance policies sold through Allstate:

Embrace pet insurance reviews

• Yelp: 2 out of 5 stars, based on 580 reviews

• Google: 4.1 out of 5 stars, based on 11,060 reviews

• Trustpilot: 4 out of 5 stars, based on 4,533 reviews

• Better Business Bureau: 3 out of 5 stars, based on 264 reviews

Overall, reviews are generally positive. But among the few people who mention buying an Embrace policy through Allstate, negative reviews are more the norm:

Several other reviewers also noted steep price increases, even if they otherwise appreciated the service they got:

The bottom line: Is Allstate pet insurance worth it?

It’s worth getting a quote from Allstate to see how much it’ll charge you for an Embrace pet insurance policy. But you may also want to get a quote directly from Embrace to see how coverage and pricing options may differ.

Comparing rates with other top pet insurance companies is the best way to make sure you get the best deal on a policy. Allstate pet insurance doesn’t offer anything out of the ordinary, and by working directly with a pet insurance company, you can cut out the middleman.

Allstate pet insurance FAQs