Allstate pet insurance (offered via Embrace) scores 2.30 out of 5 for cats and 2.55 for dogs in MoneyGeek's analysis. The company leads in customer experience, ranking sixth nationally. Allstate ranks lower in affordability at 14th for cats and 12th for dogs. Allstate requires a two-day waiting period for accident coverage, shorter than many competitors.
Allstate Pet Insurance Review
Updated: November 26, 2025
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Allstate Pet Insurance Review: Key Takeaways
Allstate ranks 14th for cat insurance affordability and 12th for dog insurance, with monthly premiums of $46 for cats and $73 for dogs.
Allstate ranks sixth nationally in customer experience, with an A+ BBB rating and 4.3 out of 5 stars on Trustpilot for its pet insurance services.
Allstate ranks 10th nationwide for coverage, offering comprehensive accident and illness insurance plus an optional wellness rewards program for routine care.
Allstate Pet Insurance Ratings
Data filtered by:
Cat
| Affordability | 1.67 | 14 |
| Coverage | 1.90 | 10 |
| Customer Experience | 3.54 | 6 |
| Overall Score | 2.30 | 14 |
WHO IS ALLSTATE PET INSURANCE BEST FOR?
Allstate ranks among the best pet insurance companies for owners who want flexible deductibles and unlimited annual payouts. The provider includes hereditary conditions, behavioral issues and exam fees without extra costs. Accident coverage has a two-day waiting period.
Learn more about the best pet insurance options for your pet:
Allstate Pet Insurance Ratings by State
Allstate offers pet insurance nationwide across all 50 states. The company achieves its best overall ranking of 11th place for dogs in six states and cats in one state. While Allstate doesn't provide the best pet insurance in any state, it delivers consistent performance across the country.
Data filtered by:
Affordability
Cat
| Alabama | 1.67 | 14 |
| Alaska | 1.67 | 14 |
| Arizona | 1.67 | 14 |
| Arkansas | 2.04 | 13 |
| California | 1.67 | 14 |
| Colorado | 1.67 | 14 |
| Connecticut | 1.67 | 14 |
| Delaware | 1.67 | 14 |
| Florida | 1.67 | 14 |
| Georgia | 1.67 | 14 |
| Hawaii | 1.67 | 14 |
| Idaho | 1.67 | 14 |
| Illinois | 1.67 | 14 |
| Indiana | 1.67 | 14 |
| Iowa | 1.67 | 14 |
| Kansas | 1.67 | 14 |
| Kentucky | 1.67 | 14 |
| Louisiana | 1.67 | 14 |
| Maine | 1.67 | 14 |
| Maryland | 1.67 | 14 |
| Mississippi | 1.67 | 14 |
| Massachusetts | 1.67 | 14 |
| Michigan | 1.67 | 14 |
| Minnesota | 1.67 | 14 |
| Montana | 1.67 | 14 |
| Missouri | 1.67 | 14 |
| Nebraska | 1.67 | 14 |
| Nevada | 1.67 | 14 |
| New Hampshire | 1.67 | 14 |
| New Jersey | 1.67 | 14 |
| New Mexico | 1.67 | 14 |
| North Carolina | 1.67 | 14 |
| New York | 1.67 | 14 |
| North Dakota | 1.67 | 14 |
| Ohio | 1.67 | 14 |
| Oregon | 1.67 | 14 |
| Oklahoma | 1.67 | 14 |
| Pennsylvania | 1.67 | 14 |
| Rhode Island | 1.67 | 14 |
| South Carolina | 1.67 | 13 |
| South Dakota | 1.67 | 14 |
| Tennessee | 1.67 | 14 |
| Texas | 1.67 | 14 |
| Utah | 1.67 | 14 |
| Vermont | 1.67 | 14 |
| Virginia | 1.67 | 14 |
| Washington | 1.67 | 14 |
| West Virginia | 1.67 | 14 |
| Wisconsin | 1.67 | 14 |
| Wyoming | 1.67 | 14 |
Allstate Pet Insurance Comparison
See how Allstate pet insurance fares against national competitors below.
Allstate vs. AKC | • Dogs: 2.55 vs. 4.30 • Cats: 2.30 vs. 3.85 | AKC outperforms Allstate in affordability, coverage and customer experience. |
Allstate vs. ASPCA | • Dogs: 2.55 vs. 3.85 • Cats: 2.30 vs. 3.35 | ASPCA costs less and scores higher in every category. |
Allstate vs. Fetch | • Dogs: 2.55 vs. 2.70 • Cats: 2.30 vs. 2.95 | Fetch offers better coverage, but Allstate has lower premiums. Both rank low for customer experience. |
Allstate vs. Figo | • Dogs: 2.55 vs. 3.60 • Cats: 2.30 vs. 3.80 | Figo costs less and provides more comprehensive coverage than Allstate. |
Allstate vs. Hartville | • Dogs: 2.55 vs. 3.50 • Cats: 2.30 vs. 3.90 | Hartville beats Allstate on both affordability and coverage. |
Allstate vs. Lemonade | • Dogs: 2.55 vs. 4.50 • Cats: 2.30 vs. 4.25 | Lemonade costs less and offers better coverage than Allstate. |
Allstate vs. Liberty | • Dogs: 2.55 vs. 2.65 • Cats: 2.30 vs. 2.30 | Liberty costs less for dogs. Allstate ranks higher for customer service. Both score low overall. |
Allstate vs. MetLife | • Dogs: 2.55 vs. 3.05 • Cats: 2.30 vs. 2.40 | MetLife costs less, while Allstate ranks higher for customer experience. Both have limited coverage options. |
Allstate vs. Nationwide | • Dogs: 2.55 vs. 2.50 • Cats: 2.30 vs. 2.65 | Nationwide provides better coverage but costs more. Allstate scores higher for dogs. |
Allstate vs. Pets Best | • Dogs: 2.55 vs. 4.05 • Cats: 2.30 vs. 3.80 | Pets Best costs less and offers more comprehensive coverage than Allstate. |
Allstate vs. Pumpkin | • Dogs: 2.55 vs. 3.70 • Cats: 2.30 vs. 4.15 | Pumpkin costs less and scores higher in affordability, coverage and customer experience. |
Allstate vs. Rainwalk | • Dogs: 2.55 vs. 4.05 • Cats: 2.30 vs. 3.95 | Rainwalk offers better customer service and lower premiums than Allstate. |
Allstate vs. Spot | • Dogs: 2.55 vs. 3.75 • Cats: 2.30 vs. 4.15 | Spot costs less and provides better coverage and customer service than Allstate. |
How Much Does Allstate Pet Insurance Cost?
Allstate's pet insurance costs an average of $73 per month ($874 annually) for dogs and $46 per month ($547 annually) for cats. Your location and pet breed affect your premium.
| Dog | $73 | $60 | $874 | $723 | 21% |
| Cat | $46 | $32 | $547 | $379 | 44% |
Allstate Pet Insurance Rates by State
Pet insurance rates vary by state based on local veterinary costs and claim patterns. Allstate offers the cheapest pet insurance for cats in Arkansas at $29 monthly and the highest in Maine at $61. For dogs, Allstate's lowest rate is in Arkansas at $46 and highest in Maine at $97.
Data filtered by:
Cat
| Alabama | $35 | $415 |
| Alaska | $44 | $525 |
| Arizona | $53 | $635 |
| Arkansas | $29 | $344 |
| California | $59 | $708 |
| Colorado | $60 | $714 |
| Connecticut | $52 | $619 |
| Delaware | $45 | $540 |
| Florida | $50 | $596 |
| Georgia | $42 | $498 |
| Hawaii | $48 | $580 |
| Idaho | $43 | $515 |
| Illinois | $50 | $597 |
| Indiana | $41 | $492 |
| Iowa | $41 | $486 |
| Kansas | $40 | $480 |
| Kentucky | $39 | $461 |
| Louisiana | $38 | $449 |
| Maine | $61 | $735 |
| Maryland | $54 | $645 |
| Massachusetts | $60 | $711 |
| Michigan | $45 | $532 |
| Minnesota | $47 | $562 |
| Mississippi | $39 | $470 |
| Missouri | $37 | $443 |
| Montana | $38 | $456 |
| Nebraska | $38 | $452 |
| Nevada | $43 | $515 |
| New Hampshire | $54 | $644 |
| New Jersey | $50 | $597 |
| New Mexico | $42 | $501 |
| New York | $49 | $583 |
| North Carolina | $43 | $517 |
| North Dakota | $34 | $400 |
| Ohio | $45 | $537 |
| Oklahoma | $37 | $448 |
| Oregon | $60 | $721 |
| Pennsylvania | $51 | $612 |
| Rhode Island | $41 | $485 |
| South Carolina | $44 | $527 |
| South Dakota | $42 | $504 |
| Tennessee | $39 | $469 |
| Texas | $46 | $551 |
| Utah | $47 | $559 |
| Vermont | $43 | $509 |
| Virginia | $54 | $647 |
| Washington | $52 | $625 |
| West Virginia | $40 | $481 |
| Wisconsin | $49 | $586 |
| Wyoming | $42 | $498 |
Allstate Pet Insurance Rates by Breed
Allstate's pet insurance premiums change based on your pet's breed. Cat owners pay $40 monthly for Domestic Shorthairs but $56 for Exotic Shorthairs. Dog premiums vary more, from $30 for small mixed breeds under 20 pounds to $141 for Bullmastiffs. Each breed's health risks and veterinary costs drive these price differences.
Data filtered by:
Select
Select
| Abyssinian | $53 | $638 |
| Affenpinscher | $60 | $720 |
| Afghan Hound | $77 | $919 |
| Airedale Terrier | $81 | $971 |
| Akita | $85 | $1,016 |
| Alaskan Husky | $62 | $746 |
| Alaskan Malamute | $73 | $876 |
| Alsatian | $84 | $1,008 |
| Alsation | $80 | $963 |
| American Bulldog | $102 | $1,226 |
| American Bully | $96 | $1,148 |
| American Eskimo | $55 | $662 |
| American Foxhound | $71 | $844 |
| American Hairless Terrier | $54 | $643 |
| American Staffordshire Terrier | $87 | $1,043 |
| Australian Cattle Dog | $62 | $740 |
| Australian Kelpie | $63 | $752 |
| Australian Mist | $51 | $613 |
| Australian Shepherd | $53 | $633 |
| Australian Silky Terrier | $53 | $631 |
| Australian Terrier | $56 | $670 |
| Balinese | $50 | $594 |
| Basenji | $54 | $651 |
| Basset Fauve de Bretagne | $67 | $802 |
| Basset Hound | $92 | $1,098 |
| Beagle | $65 | $776 |
| Bearded Collie | $59 | $711 |
| Belgian Shepherd Malinois | $76 | $911 |
| Bengal | $47 | $566 |
| Bernese Mountain Dog | $137 | $1,646 |
| Bichon Frise | $57 | $683 |
| Birman | $45 | $541 |
| Bloodhound | $102 | $1,218 |
| Bombay | $42 | $499 |
| Border Collie | $54 | $648 |
| Border Terrier | $56 | $677 |
| Borzoi | $95 | $1,131 |
| Boston Terrier | $60 | $716 |
| Boxer | $99 | $1,186 |
| Bracco Italiano | $75 | $901 |
| Briard | $82 | $976 |
| British Bulldog | $120 | $1,444 |
| British Longhair | $41 | $490 |
| British Shorthair | $49 | $582 |
| Brussels Griffon | $58 | $692 |
| Bullmastiff | $138 | $1,653 |
| Bull Mastiff | $141 | $1,691 |
| Bull Terrier | $87 | $1,041 |
| Burmese | $46 | $552 |
| Cairn Terrier | $59 | $708 |
| Cane Corso | $114 | $1,371 |
| Caucasian Shepherd Dog | $109 | $1,311 |
| Cavachon | $52 | $622 |
| Cavalier King Charles Spaniel | $63 | $755 |
| Cavapoo | $50 | $599 |
| Central Asian Shepherd Dog | $98 | $1,169 |
| Chihuahua | $40 | $477 |
| Chinchilla | $46 | $549 |
| Chow Chow | $81 | $967 |
| Clumber Spaniel | $84 | $1,003 |
| Cockapoo | $46 | $555 |
| Cocker spaniel | $66 | $792 |
| Collie | $64 | $769 |
| Corgi | $73 | $873 |
| Cornish Rex | $49 | $583 |
| Coton De Tulear | $51 | $609 |
| Dachshund | $53 | $640 |
| Dalmatian | $86 | $1,033 |
| Devon Rex | $46 | $549 |
| Dingo | $54 | $645 |
| Doberman Pincher | $98 | $1,176 |
| Doberman Pinscher | $138 | $1,658 |
| Dogue de Bordeaux | $137 | $1,640 |
| Domestic Shorthair | $40 | $475 |
| English Bulldog | $124 | $1,484 |
| English Foxhound | $69 | $827 |
| English Mastiff | $126 | $1,505 |
| English Pointer | $70 | $840 |
| English Setter | $76 | $912 |
| English Springer Spaniel | $65 | $780 |
| English Toy Terrier | $55 | $655 |
| Estrela Mountain Dog | $84 | $1,003 |
| Exotic Shorthair | $56 | $671 |
| Field Spaniel | $71 | $856 |
| Finnish Lapphund | $62 | $747 |
| Foxhound | $71 | $855 |
| Fox Terrier | $56 | $668 |
| French Bulldog | $113 | $1,355 |
| German Pinscher | $60 | $723 |
| German Shepherd | $74 | $888 |
| German Shorthaired Pointer | $66 | $797 |
| German Spitz | $63 | $756 |
| Giant Mix (100 pounds+) | $69 | $827 |
| Giant Mix (110 pounds+) | $65 | $780 |
| Giant Mix (111 pounds+) | $59 | $713 |
| Giant Mix (90 pounds+) | $88 | $1,046 |
| Goldendoodle | $56 | $672 |
| Golden Retriever | $76 | $914 |
| Gordon Setter | $89 | $1,068 |
| Great Dane | $128 | $1,528 |
| Great Pyrenees | $90 | $1,080 |
| Greyhound | $86 | $1,028 |
| Groodle | $52 | $616 |
| Harrier | $74 | $882 |
| Havanese | $48 | $574 |
| Himalayan | $47 | $561 |
| Hungarian Vizsla | $79 | $948 |
| Husky | $57 | $680 |
| Icelandic Sheepdog | $60 | $720 |
| Irish Setter | $73 | $874 |
| Irish Terrier | $60 | $717 |
| Italian Greyhound | $59 | $706 |
| Italian Spinone | $69 | $823 |
| Jack Russell Terrier | $46 | $547 |
| Japanese Chin | $54 | $642 |
| Japanese Spitz | $54 | $648 |
| Kangal Shepherd Dog | $118 | $1,411 |
| Keeshond | $67 | $808 |
| Komondor | $85 | $1,018 |
| Labradoodle | $56 | $674 |
| Labrador Retriever | $73 | $874 |
| Large Mix (51-100 pounds) | $60 | $717 |
| Large Mix (51-110 pounds) | $55 | $657 |
| Large Mix (55-90 pounds) | $61 | $732 |
| Large Mix (60-109 pounds) | $65 | $780 |
| Large Mix (61+ pounds) | $60 | $718 |
| Large Mix (71+ pounds) | $109 | $1,308 |
| Large Mix (Over 70 pounds) | $59 | $714 |
| Lhasa Apso | $53 | $633 |
| Lurcher | $80 | $958 |
| Maine Coon | $52 | $623 |
| Maltese | $50 | $599 |
| Maltipoo | $42 | $511 |
| Medium Mix (20-55 pounds) | $47 | $573 |
| Medium Mix (20-70 pounds) | $50 | $601 |
| Medium Mix (21-70 pounds) | $113 | $1,355 |
| Medium Mix (23-70 pounds) | $60 | $720 |
| Medium Mix (26-50 pounds) | $50 | $599 |
| Medium Mix (26-59 pounds) | $65 | $780 |
| Medium Mix (31-50 pounds) | $50 | $602 |
| Medium Mix (31-59 pounds) | $49 | $592 |
| Miniature Bull Terrier | $82 | $980 |
| Miniature Dachshund | $55 | $661 |
| Miniature Fox Terrier | $59 | $703 |
| Miniature Pinscher | $51 | $613 |
| Miniature Poodle | $49 | $587 |
| Miniature Schnauzer | $57 | $677 |
| Mixed Breed | $64 | $772 |
| Mixed Breed Giant (>90 lbs) | $91 | $1,095 |
| Mixed Breed Large (51-90 lbs) | $60 | $717 |
| Mixed Breed Medium (31-50 lbs) | $45 | $534 |
| Mixed Breed Small (>10 lbs) | $38 | $445 |
| Mixed Breed Small (11-30 lbs) | $39 | $466 |
| Mixed breed Small (up to 20lbs when full grown) | $36 | $431 |
| Mixed Dog (21-50 pounds) | $53 | $636 |
| Mixed Dog (51-90 pounds) | $64 | $764 |
| Mixed Dog (91 pounds+) | $67 | $805 |
| Morkie | $42 | $507 |
| Munchkin | $46 | $551 |
| Newfoundland | $123 | $1,473 |
| Norfolk Terrier | $59 | $706 |
| Norwegian Elkhound | $63 | $756 |
| Norwegian Forest cat | $45 | $535 |
| Norwich Terrier | $58 | $690 |
| Olde English Bulldogge | $135 | $1,616 |
| Old English Buldogge | $108 | $1,289 |
| Old English Sheepdog | $84 | $1,007 |
| Papillon | $50 | $602 |
| Pekingese | $56 | $674 |
| Pembroke Welsh Corgi | $65 | $780 |
| Persian | $49 | $586 |
| Peruvian Hairless Dog | $56 | $674 |
| Petit Basset Griffon Vendeen | $82 | $981 |
| Petit Basset Griffon Vendeens | $63 | $758 |
| Pitbull | $80 | $956 |
| Pointer | $66 | $795 |
| Pomeranian | $50 | $603 |
| Portuguese Water Dog | $72 | $862 |
| Pug | $65 | $774 |
| Puggle | $49 | $588 |
| Puli | $66 | $791 |
| Ragdoll | $42 | $499 |
| Rhodesian Ridgeback | $89 | $1,064 |
| Rottweiler | $127 | $1,521 |
| Rough Collie | $71 | $855 |
| Russian Blue | $43 | $513 |
| Saint Bernard | $134 | $1,605 |
| Saluki | $71 | $848 |
| Samoyed | $68 | $813 |
| Savannah | $49 | $591 |
| Schnoodle | $52 | $624 |
| Scottish Deerhound | $105 | $1,256 |
| Scottish Fold | $47 | $563 |
| Scottish Terrier | $68 | $815 |
| Serengeti | $46 | $550 |
| Shar Pei | $108 | $1,300 |
| Shetland Sheepdog | $56 | $664 |
| Shiba Inu | $50 | $602 |
| Shih Tzu | $44 | $533 |
| Siamese | $42 | $507 |
Is Allstate Pet Insurance Expensive?
Allstate ranks 12th for dogs and 14th for cats in affordability, positioning it as a mid-range option. Costs change based on your pet's age and your chosen deductible, annual limit and reimbursement rate.
Data filtered by:
Cat
Middle Aged
$1,000
$10,000
70%
| $29 | $348 | 38% |
Allstate Pet Insurance Discounts
Allstate offers pet insurance discounts for military members and multiple pets under a single policy.
Multiple pet | 10% | Insure two or more pets under the same policy |
Military | 5% | For active or former U.S. military service members (not available in NY or TN) |
Allstate Pet Insurance Customer Service Reviews and Ratings
Allstate ranks sixth nationally for customer service with cats and dogs. The company has an A+ rating from the Better Business Bureau and receives moderate scores on Trustpilot. Reddit users report mixed experiences with Allstate's support team. Customers praise the responsiveness and helpfulness of service representatives but criticize claim denials and delayed support responses.
Allstate Trustpilot Reviews
Allstate earns a 4.1 out of 5 rating on Trustpilot from verified customers who rate its service and claims handling. Most policyholders report positive experiences with Allstate's coverage and support team. Trustpilot collects verified reviews to give consumers honest feedback about companies.
Allstate Better Business Bureau Rating
Allstate holds an A+ rating from the Better Business Bureau and maintains BBB Accredited Business status. The A+ grade is BBB's top rating, showing Allstate meets its standards for trust and resolves customer complaints well. To get BBB accreditation, companies must promise to address customer issues and follow ethical business practices.
Allstate Pet Insurance Reddit Sentiment
Reddit users express mixed feelings about Allstate pet insurance. Our analysis of 21 comments shows 29% were positive, with six favorable responses against 15 negative ones. Users who liked Allstate praised quick customer service responses and clear policy language. More customers complained about claim denials and gaps in coverage. The split feedback shows pet owners have different experiences with Allstate's claims process.
Allstate Pet Insurance Coverage
Allstate offers pet insurance coverage for both dogs and cats. Pet owners can tailor their policies with different coverage levels and optional add-ons, enabling them to design plans that align with their budget and their pet’s unique health needs.
Annual deductible options from $200 to $1,000, depending on state | |
Annual maximums available from $5,000 up to $30,000; no lifetime caps | |
70%, 80% or 90% reimbursement after deductible | |
Accident-only plan | Fixed $100 deductible, 90% reimbursement, $5,000 annual max |
Accident & illness plan | Includes injuries, illnesses, diagnostics, surgery, prescriptions, hereditary and congenital conditions, behavioral treatments and alternative therapies |
Pre-existing conditions | Not covered; curable conditions may be considered after 12 symptom- and treatment-free months |
Bilateral conditions | If one side is pre-existing, the opposite side may be excluded |
2 days for accidents, 14 days for illnesses, 6 months for orthopedic conditions (with option for reduction via vet exam) | |
Enrollment restrictions | Full coverage available for pets 6 weeks to 14 years old; at 15+, only accident coverage is available; no breed exclusions |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
MONEYGEEK EXPERT TIP
Allstate reimburses based on actual veterinary costs rather than using benefit schedules or UCR limits (usual, customary and reasonable fees). You pay your vet first, then Allstate processes your claim for direct reimbursement. Premiums can increase over time due to your pet's age, inflation or location changes. You can adjust your policy anytime, but increasing coverage levels may reset certain waiting periods.
Allstate Pet Insurance Coverage Add-Ons
Allstate provides an optional wellness plan for pet owners seeking comprehensive coverage. This plan covers routine preventive care like vaccinations, dental cleanings and regular wellness exams. Wellness coverage begins immediately upon enrollment, with no deductibles or waiting periods required.
Wellness rewards | Reimburses preventive and routine care such as exams, vaccinations, dental cleanings, grooming, behavior training, prescription diets and microchipping |
Is Allstate Pet Insurance Good: Bottom Line
Allstate charges $73 monthly for dog insurance and $46 for cat coverage on average. The company ranks sixth nationally for customer experience and maintains moderate ratings from third-party reviewers. Pet owners can select from accident-only plans, comprehensive accident and illness coverage, plus optional wellness add-ons for routine care expenses.
Browse through our review guides for the top pet insurance companies for your pet:
Allstate Pet Insurance Review: FAQ
Find answers to common questions about Allstate pet insurance coverage and policies below.
Is Allstate pet insurance worth it in 2025?
Allstate pet insurance is worth it in 2025 for pet owners prioritizing customer service. The company ranks sixth nationally for customer experience and offers solid coverage options. Monthly premiums average $73 for dogs and $46 for cats.
What do Reddit users really think about Allstate pet insurance?
Reddit users express limited enthusiasm for Allstate pet insurance. Only 29% of comments were positive, with six favorable reviews versus 15 negative ones. Users praise Allstate's customer service responsiveness and clear policy explanations, but criticize the slow claim processing times and coverage denials for pre-existing conditions.
Does Allstate cover pre-existing conditions for pets?
Allstate excludes pre-existing conditions from coverage. Curable conditions may become eligible if your pet remains symptom-free and treatment-free for 180 consecutive days. Chronic conditions and orthopedic issues, such as ligament or knee problems, are permanently excluded from coverage.
Can I get a discount for insuring multiple pets with Allstate?
Allstate provides a 10% multi-pet discount when you insure multiple pets on the same policy. The company also offers savings through AAA membership, workplace benefits programs and other partnership discounts to reduce your premium costs.
Is Allstate pet insurance available in my state?
Allstate pet insurance operates in all 50 states. Premium costs vary by location. Cat coverage starts at $29 monthly in Arkansas and reaches $61 in Maine. Dog insurance ranges from $46 monthly in Arkansas to $97 in Maine.
How We Rated Allstate Pet Insurance
Pet insurance shopping can seem overwhelming, which is why we assessed Allstate across three key categories:
Affordability (50% of score): We analyzed premium pricing using quotes from multiple pet breeds, age groups and plan options to reflect actual costs pet owners pay.
Customer Experience (30% of score): We reviewed user ratings on platforms like Trustpilot and Reddit to measure customer satisfaction.
Coverage Options (20% of score): We examined policy benefits, available add-ons and the breadth of protection offered to assess overall coverage value.
All pricing data uses standardized quotes for a 6-year-old Labrador Retriever and a 7-year-old Ragdoll, with $500 deductible, $5,000 annual limit and 80% reimbursement rate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.