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 excels in customer experience, ranking sixth nationally in this category. However, Allstate scores lower in affordability, ranking 14th for cats and 12th for dogs. Allstate requires a two-day waiting period for accident coverage, which is shorter than many competitors.
Allstate Pet Insurance Review
Updated: October 10, 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 starting at $46 for cats and $73 for dogs.
Allstate ranks sixth nationally in customer experience, maintaining an A+ BBB rating and averaging 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
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Pet Type: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 wanting flexible deductibles and unlimited annual payouts. The provider includes hereditary conditions, behavioral issues and exam fees without extra costs. Pet parents should consider that accident coverage has a two-day waiting period.
Allstate Pet Insurance Ratings by State
Allstate provides pet insurance coverage 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 secure top rankings in any state, it maintains consistent moderate performance across the country with steady coverage options and customer service.
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Category:Affordability
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Pet Type: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 provides better coverage, though Allstate has slightly 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 offers 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 provides better coverage than Allstate. |
Allstate vs. Liberty Mutual | • Dogs: 2.55 vs. 2.65 • Cats: 2.30 vs. 2.30 | Liberty Mutual costs slightly less for dogs. Allstate has better customer service ratings. Both score low overall. |
Allstate vs. MetLife | • Dogs: 2.55 vs. 3.05 • Cats: 2.30 vs. 2.40 | MetLife costs less, while Allstate rates 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 offers 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 provides 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 across all categories. |
Allstate vs. Rainwalk | • Dogs: 2.55 vs. 4.05 • Cats: 2.30 vs. 3.95 | Rainwalk provides 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 offers better coverage and customer service than Allstate. |
How Much Does Allstate Pet Insurance Cost?
Allstate's pet insurance costs an average of $73 monthly ($874 annually) for dogs and $46 monthly ($547 annually) for cats. Your premium depends on several factors, including your location and pet breed.
| Dog | $73 | $60 | $874 | $723 | 21% |
| Cat | $46 | $32 | $547 | $379 | 44% |
Allstate Pet Insurance Rates by State
Pet insurance rates vary by state due to local veterinary costs and claim patterns. Allstate offers the cheapest pet insurance for cats in Arkansas at $29 monthly, while Maine has the highest rate at $61. For dogs, Allstate provides the lowest monthly rate in Arkansas at $46 and the highest in Maine at $97.
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Pet Type: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 around $40 monthly for Domestic Shorthairs but $56 for Exotic Shorthairs. Dog premiums vary more, starting at $30 for small mixed breeds under 20 pounds and reaching $141 for Bullmastiffs. These price differences reflect each breed's health risks and veterinary costs.
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Pet Type:Cat
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Breed:Abyssinian
| Abyssinian | $53 | $638 |
Is Allstate Pet Insurance Expensive?
Allstate ranks 12th for dogs and 14th for cats in affordability, making it a mid-range option rather than the cheapest available. The filterable table below shows how costs change based on your pet's age and your chosen deductible, annual limit and reimbursement rate.
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Pet Type:Cat
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Pet Age Group:Middle Aged
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Deductible:$1,000
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Annual Limit:$10,000
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Reimbursement %:70%
| $29 | $348 | 38% |
Allstate Pet Insurance Discounts
Allstate provides pet insurance discounts to help lower premium costs. The company offers savings for military members and a multi-pet discount when you cover multiple pets under a single policy. These discounts can lead to savings on your monthly premiums, making coverage more accessible for eligible pet owners.
Multiple pet discount | 10% | Automatically applied if you insure two or more pets under the same policy |
Military discount | 5% | Available to 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 holds a high A+ rating from the Better Business Bureau and receives moderate scores on Trustpilot. Reddit users report mixed experiences with Allstate's support team. Some customers praise the responsiveness and helpfulness of service representatives, while others express frustration with 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.
Deductibles | Annual deductible options from $200 to $1,000, depending on state |
Annual limits | Annual maximums available from $5,000 up to $30,000; no lifetime caps |
Reimbursement rates | 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 a waiting period if symptom-free |
Bilateral conditions | If one side is pre-existing, the opposite side may be excluded |
Waiting periods | 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 wellness add-ons, including routine preventive care for pet owners seeking comprehensive coverage. These plans cover 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 |
Allowance levels | Choose from $300, $450 or $650 per year, with an extra $25 credit added by Embrace |
Plan changes | Can be added or increased midterm through MyEmbrace, but back payments are required for previous months |
No per-item limits | Annual reimbursement is capped by allowance only, with no per-item restrictions |
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.
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 provides decent value in 2025, particularly for pet owners prioritizing customer service. The company ranks 6th nationally for customer experience and offers solid coverage options. Monthly premiums average $73 for dogs and $46 for cats, making it a reasonable choice for comprehensive pet protection.
What do Reddit users really think about Allstate pet insurance?
Reddit users show limited enthusiasm for Allstate pet insurance. Only 29% of comments were positive, with six favorable reviews versus 15 negative ones. Users frequently praise Allstate's customer service responsiveness and clear policy explanations. Many criticize 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 like ligament or knee problems generally remain permanently excluded from coverage.
Can I get a discount for insuring multiple pets with Allstate?
Yes, Allstate provides a 10% multi-pet discount when you insure multiple pets on the same policy. The company also offers additional savings through AAA membership, workplace benefits programs and other partnership discounts that can help reduce your premium costs.
Is Allstate pet insurance available in my state?
Yes, Allstate pet insurance operates in all 50 states. Premium costs depend on your location and vary between states. 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 various pet breeds, age groups and plan options, incorporating available discounts to reflect actual costs pet owners pay.
Customer Experience (30% of score): This evaluation draws from user reviews and ratings on platforms like Trustpilot and Reddit to gauge genuine customer satisfaction levels.
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 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.