AllState

An Overview of Allstate Pet Insurance

Allstate is one of the most famous insurance companies in the world. They are known for their home and auto insurance, but they also have a robust selection of pet insurance policies. Through their network of third-party underwriters, they can provide a quote for whatever Insurance your pet needs.

Allstate’s primary pet insurance partner is a company called Embrace. Embrace is a well-known pet insurance underwriter, and they provide the bulk of coverage offered by Allstate. It’s important to remember if you purchase a policy through Allstate, Embrace will handle the claims and legal aspects.

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Allstate’s pet coverage is one of the most comprehensive pet insurance programs on the market. A few of the benefits include well-rounded coverage extending to most illnesses and preventive care. Wellness therapies are covered, and they provide unlimited coverage in most states. Finally, they offer a wide range of deductibles which go from $200 up to $1,000.

What's Covered By Allstate Pet Insurance

One of the most important aspects of any pet insurance policy is the coverage list. Some plans and companies can be pretty restrictive, but Allstate covers most medical expenses that a pet could incur. Their primary comprehensive plan covers:

• Medical bills for injuries and accidents.
• Emergency or urgent care.
• All illnesses and their respective treatments.
• Surgery costs.
• Diagnostics and tests.
• Prescription treatments.
• Alternative therapies like homeopathy and hydrotherapy.
• New genetic conditions.
• Chronic conditions like diabetes and hypothyroidism.

Since the comprehensive plan covers so much, you may decide that you don’t need all of the coverage. In that case, you can opt for the accident-only plan from Allstate pet insurance. The accident-only plan covers expenses related to hospitalization and emergency care if your pet is in an accident, such as bites or broken bones. The accident-only plan also covers the tests, therapy costs, and treatment associated with the accident.

If you want to ensure that your pet’s preventive care is covered, you can add the Allstate pet insurance Wellness Plan to your policy. This optional add-on covers most costs related to Wellness procedures, including dental cleaning, vaccinations, annual check-ups, and flea and tick treatment.

Prices and Specifics of Allstate Pet Insurance

Allstate pet insurance plans vary depending on where you live, what animal you need to insure, and how old it is. When you apply for a policy with Allstate pet insurance, you will have a dedicated agent who will walk you through the application process and quote various prices depending on how much coverage you need.

You may find that you would prefer a high-deductible plan or a plan with higher reimbursement rates to cover potential expenses.

Deductibles – Customers can choose from a wide range of deductibles. You can choose from several options ranging from $200 up to $1,000. Like most other insurance policies, choosing a higher deductible will save you money on your premium. Still, you will have to pay more out-of-pocket before the policy’s reimbursement kicks in.

Coverage Limits – Depending on where you live, Allstate can offer unlimited coverage on many of its plans in most states or limits of up to $30,000 or $15,000 in certain states. It would be wise to call Allstate and verify their coverage limits for your area before you purchase a policy.

Reimbursement Rates – Allstate offers industry-standard reimbursement rates of 70%, 80%, and 90%. If you want higher reimbursement rates, it will be reflected with a higher premium.

Final Word

If you are looking for a reputable and robust pet insurance provider, Allstate pet insurance can be a great choice. Although you are technically working with Embrace Pet Insurance, Allstate extends coverage limits and provides various other benefits, including customer service and unlimited coverage in most states.