Pet Insurance

Allstate Pet Insurance Reviews: Will Your Dog’s Health Be In Good Hands?


Last Updated: May 7, 2024 | 1 min read | Leave a Comment

This content was reviewed by our licensed insurance agent, Michelle Schenker.

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Shepherd dog examination by veterinary doctor in office

Allstate is one of the largest companies in the U.S. offering auto, home, renters, and other types of insurance. But will your pet’s health be in good hands with Allstate? As it turns out, Allstate pet insurance is actually administered by Embrace, a well-established pet insurance company. So, when you purchase Allstate pet insurance, Embrace will be the provider covering your furry friend.

Embrace offers extensive health coverage and customizable plans, allowing you to choose from multiple deductibles, payout limits, and reimbursement levels to suit your budget. Here, we’ll give you a brief overview of this provider’s other features, coverage, and cost. You can find more detailed information in our Embrace Pet Insurance review.

Allstate Pet Insurance Reviews


Allstate’s pet insurance is administered by Embrace. If you have other insurance through Allstate, you save money on pet insurance by bundling. However, if you’re not already an Allstate customer, it makes more sense to purchase your policy through Embrace.

Our pet insurance experts read through each pet insurance company’s policy to provide detailed comparisons and information regarding how a provider fares against others in the industry. We also speak with customers, read online feedback, and communicate one-on-one with pet insurance companies to obtain a well-rounded, unbiased analysis of a company’s standings.

Our team rates pet insurance companies based on several factors, including A.M. Best ratings (an indicator of financial stability), claim processing reputations, contract coverage, customer service, pricing, plan customizations, and more.

Overall Score



  • No per-incident limits on their claims as they use an annual deductible
  • No lifetime limit
  • Offers optional Wellness Rewards (not available in RI; must purchase in conjunction with pet insurance)
  • Pays claims within 5 days on average
  • A.M. Best rating: A+
  • Up to a 10% max discount for multiple pets (5% in NY)
  • Covers your pet if they travel outside the U.S. with you
  • 30-day money-back guarantee


  • $1.00 transaction fee (waived if you pay annually) and $25 enrollment fee
  • Only covers enrolled pets age 14 and younger for accidents and illnesses (accident only may be available for ages 15+)
  • If one leg has a CCL (ACL) injury prior to enrollment, the other leg will not be covered even if there are no prior issues; it’s considered a pre-existing condition
  • New customers must call to access unlimited payout option

Purchasing A Policy Through Allstate vs Embrace

So, why not just get your policy directly from Embrace? The best benefit of going through Allstate is that you could be eligible for a bundle discount if you already have another Allstate policy. You’ll need to contact your local Allstate agent directly to see if they offer a multi-policy discount.

If you don’t have an existing Allstate policy, it makes more sense to purchase a policy directly through Embrace. While Allstate sells the policy, that’s where their involvement ends. You’ll be dealing directly with Embrace for all claims and customer service needs.

Consider All Your Pet Insurance Options

Embrace has a solid reputation and stands out for its thorough coverage, which includes curable pre-existing conditions (after one year free from treatment and symptoms), as well as behavioral therapy and alternative/holistic therapy. And your deductible automatically goes down $50 each year you don’t receive a claim payment. However, Embrace has upper-age enrollment limits for plans covering illnesses and can be more expensive than some competitors.

Premiums can vary widely with Embrace, so it’s important to consider several different providers and get multiple quotes. We’ve reviewed more than two dozen companies and have chosen the best pet insurance companies based on coverage, customer service reputation, claims processing, policy price, plan customizations, and more in our pet insurance reviews. You can use our tool below to get multiple quotes for free.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

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