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: April 28, 2026
Advertising & Editorial Disclosure
Allstate Pet Insurance Review: Key Takeaways
Allstate ranks 14th in cat affordability and 12th in dog affordability, 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 | 1.66 | 14 |
| Coverage | 1.89 | 10 |
| Overall Score | 2.3 | 14 |
| Customer Experience | 3.54 | 6 |
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 insurance options for your pet:
Allstate Pet Insurance Ratings by State
Allstate sells pet insurance in all 50 states. It ranks 11th for dogs in six states and 11th for cats in one state. Allstate doesn't rank first in any state but maintains similar scores nationwide.
Data filtered by:
Affordability
Cat
| Alabama | 1.66 | 14 |
| Alaska | 1.66 | 14 |
| Arizona | 1.66 | 14 |
| California | 1.66 | 14 |
| Colorado | 1.66 | 14 |
| Connecticut | 1.66 | 14 |
| Delaware | 1.66 | 14 |
| Florida | 1.66 | 14 |
| Georgia | 1.66 | 14 |
| Hawaii | 1.66 | 14 |
| Idaho | 1.66 | 14 |
| Illinois | 1.66 | 14 |
| Indiana | 1.66 | 14 |
| Iowa | 1.66 | 14 |
| Kansas | 1.66 | 14 |
| Kentucky | 1.66 | 14 |
| Louisiana | 1.66 | 14 |
| Maine | 1.66 | 14 |
| Maryland | 1.66 | 14 |
| Mississippi | 1.66 | 14 |
| Massachusetts | 1.66 | 14 |
| Michigan | 1.66 | 14 |
| Minnesota | 1.66 | 14 |
| Montana | 1.66 | 14 |
| Missouri | 1.66 | 14 |
| Nebraska | 1.66 | 14 |
| Nevada | 1.66 | 14 |
| New Hampshire | 1.66 | 14 |
| New Jersey | 1.66 | 14 |
| New Mexico | 1.66 | 14 |
| North Carolina | 1.66 | 14 |
| New York | 1.66 | 14 |
| North Dakota | 1.66 | 14 |
| Ohio | 1.66 | 14 |
| Oregon | 1.66 | 14 |
| Oklahoma | 1.66 | 14 |
| Pennsylvania | 1.66 | 14 |
| Rhode Island | 1.66 | 14 |
| South Carolina | 1.66 | 13 |
| South Dakota | 1.66 | 14 |
| Tennessee | 1.66 | 14 |
| Texas | 1.66 | 14 |
| Utah | 1.66 | 14 |
| Vermont | 1.66 | 14 |
| Virginia | 1.66 | 14 |
| Washington | 1.66 | 14 |
| West Virginia | 1.66 | 14 |
| Wisconsin | 1.66 | 14 |
| Wyoming | 1.66 | 14 |
| Arkansas | 2.04 | 13 |
Allstate Pet Insurance Comparison
See how Allstate pet insurance fares against national competitors below.
AKC | • Dogs: 2.55 vs. 4.30 • Cats: 2.30 vs. 3.85 | AKC outperforms Allstate in affordability, coverage and customer experience. |
ASPCA | • Dogs: 2.55 vs. 3.85 • Cats: 2.30 vs. 3.35 | ASPCA costs less with higher scores in every category. |
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. |
Figo | • Dogs: 2.55 vs. 3.60 • Cats: 2.30 vs. 3.80 | Figo costs less and provides more comprehensive coverage than Allstate. |
Hartville | • Dogs: 2.55 vs. 3.50 • Cats: 2.30 vs. 3.90 | Hartville beats Allstate on both affordability and coverage. |
Lemonade | • Dogs: 2.55 vs. 4.50 • Cats: 2.30 vs. 4.25 | Lemonade costs less and offers better coverage than Allstate. |
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. |
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. |
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. |
Pets Best | • Dogs: 2.55 vs. 4.05 • Cats: 2.30 vs. 3.80 | Pets Best charges lower premiums with broader coverage than Allstate. |
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. |
Rainwalk | • Dogs: 2.55 vs. 4.05 • Cats: 2.30 vs. 3.95 | Rainwalk offers better customer service and lower premiums than Allstate. |
Spot | • Dogs: 2.55 vs. 3.75 • Cats: 2.30 vs. 4.15 | Spot has cheaper rates and 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.
| Cat | $46 | $32 | $547 | $379 | 44% |
| Dog | $73 | $60 | $874 | $723 | 21% |
Allstate Pet Insurance Rates by State
Pet insurance rates differ by state due to local veterinary costs and claim patterns. Allstate's cheapest pet insurance for cats costs $29 monthly in Arkansas and $61 in Maine. Dog coverage ranges from $46 monthly in Arkansas to $97 in Maine.
Data filtered by:
Cat
| Arkansas | $29 | $344 |
| North Dakota | $34 | $400 |
| Alabama | $35 | $415 |
| Missouri | $37 | $443 |
| Oklahoma | $37 | $448 |
| Louisiana | $38 | $449 |
| Nebraska | $38 | $452 |
| Montana | $38 | $456 |
| Kentucky | $39 | $461 |
| Tennessee | $39 | $469 |
| Mississippi | $39 | $470 |
| West Virginia | $40 | $481 |
| Kansas | $40 | $480 |
| Iowa | $41 | $486 |
| Rhode Island | $41 | $485 |
| Indiana | $41 | $492 |
| Wyoming | $42 | $498 |
| Georgia | $42 | $498 |
| New Mexico | $42 | $501 |
| South Dakota | $42 | $504 |
| Vermont | $43 | $509 |
| Idaho | $43 | $515 |
| Nevada | $43 | $515 |
| North Carolina | $43 | $517 |
| Alaska | $44 | $525 |
| South Carolina | $44 | $527 |
| Michigan | $45 | $532 |
| Ohio | $45 | $537 |
| Delaware | $45 | $540 |
| Texas | $46 | $551 |
| Utah | $47 | $559 |
| Minnesota | $47 | $562 |
| Hawaii | $48 | $580 |
| New York | $49 | $583 |
| Wisconsin | $49 | $586 |
| Florida | $50 | $596 |
| New Jersey | $50 | $597 |
| Illinois | $50 | $597 |
| Pennsylvania | $51 | $612 |
| Connecticut | $52 | $619 |
| Washington | $52 | $625 |
| Arizona | $53 | $635 |
| New Hampshire | $54 | $644 |
| Maryland | $54 | $645 |
| Virginia | $54 | $647 |
| California | $59 | $708 |
| Massachusetts | $60 | $711 |
| Colorado | $60 | $714 |
| Oregon | $60 | $721 |
| Maine | $61 | $735 |
Allstate Pet Insurance Rates by Breed
Allstate's pet insurance premiums depend on your pet's breed. Cat owners pay $40 monthly for domestic shorthairs but $56 for exotic shorthairs. Dog premiums range from $30 for small mixed breeds under 20 pounds to $141 for Bullmastiffs. Breed-specific health risks and veterinary costs explain the price differences.
Data filtered by:
Select
Select
| Small Mix (Under 20 pounds) | $30 | $362 |
| Small Mix (11-25) | $35 | $415 |
| Small Mix (10 and less pounds) | $35 | $423 |
| Small Mix (0-20) | $36 | $424 |
| Small Mix (1-10 pounds) | $36 | $434 |
| Mixed breed Small (up to 20lbs when full grown) | $36 | $431 |
| Mixed Breed Small (>10 lbs) | $38 | $445 |
| Mixed Breed Small (11-30 lbs) | $39 | $466 |
| Domestic Shorthair | $40 | $475 |
| Chihuahua | $40 | $477 |
| Small Mix (11-30) | $41 | $491 |
| British Longhair | $41 | $490 |
| Ragdoll | $42 | $499 |
| Bombay | $42 | $499 |
| Small Mix (25 and less pounds) | $42 | $497 |
| Morkie | $42 | $507 |
| Siamese | $42 | $507 |
| Maltipoo | $42 | $511 |
| Russian Blue | $43 | $513 |
| Small Mix (22 pounds or less) | $43 | $520 |
| Shih Tzu | $44 | $533 |
| Toy Mix (10 and less pounds) | $45 | $535 |
| Norwegian Forest cat | $45 | $535 |
| Mixed Breed Medium (31-50 lbs) | $45 | $534 |
| Birman | $45 | $541 |
| Tonkinese | $45 | $541 |
| Jack Russell Terrier | $46 | $547 |
| Chinchilla | $46 | $549 |
| Devon Rex | $46 | $549 |
| Serengeti | $46 | $550 |
| Munchkin | $46 | $551 |
| Burmese | $46 | $552 |
| Cockapoo | $46 | $555 |
| Himalayan | $47 | $561 |
| Scottish Fold | $47 | $563 |
| Medium Mix (20-55 pounds) | $47 | $573 |
| Bengal | $47 | $566 |
| Snowshoe | $48 | $569 |
| Havanese | $48 | $574 |
| Yorkshire terrier | $48 | $576 |
| Cornish Rex | $49 | $583 |
| British Shorthair | $49 | $582 |
| Miniature Poodle | $49 | $587 |
| Persian | $49 | $586 |
| Puggle | $49 | $588 |
| Toy Poodle | $49 | $588 |
| Medium Mix (31-59 pounds) | $49 | $592 |
| Siberian | $49 | $589 |
| Savannah | $49 | $591 |
| Cavapoo | $50 | $599 |
| Balinese | $50 | $594 |
| Medium Mix (26-50 pounds) | $50 | $599 |
| Maltese | $50 | $599 |
| Medium Mix (20-70 pounds) | $50 | $601 |
| Shiba Inu | $50 | $602 |
| Medium Mix (31-50 pounds) | $50 | $602 |
| Papillon | $50 | $602 |
| Pomeranian | $50 | $603 |
| Coton De Tulear | $51 | $609 |
| Australian Mist | $51 | $613 |
| Miniature Pinscher | $51 | $613 |
| Groodle | $52 | $616 |
| Sphynx | $52 | $617 |
| Cavachon | $52 | $622 |
| Schnoodle | $52 | $624 |
| Maine Coon | $52 | $623 |
| Australian Silky Terrier | $53 | $631 |
| Lhasa Apso | $53 | $633 |
| Mixed Dog (21-50 pounds) | $53 | $636 |
| Australian Shepherd | $53 | $633 |
| Dachshund | $53 | $640 |
| Abyssinian | $53 | $638 |
| Japanese Chin | $54 | $642 |
| Dingo | $54 | $645 |
| American Hairless Terrier | $54 | $643 |
| Japanese Spitz | $54 | $648 |
| Border Collie | $54 | $648 |
| Basenji | $54 | $651 |
| Large Mix (51-110 pounds) | $55 | $657 |
| English Toy Terrier | $55 | $655 |
| American Eskimo | $55 | $662 |
| Miniature Dachshund | $55 | $661 |
| Shetland Sheepdog | $56 | $664 |
| Fox Terrier | $56 | $668 |
| Australian Terrier | $56 | $670 |
| Goldendoodle | $56 | $672 |
| Exotic Shorthair | $56 | $671 |
| Labradoodle | $56 | $674 |
| Pekingese | $56 | $674 |
| Peruvian Hairless Dog | $56 | $674 |
| Border Terrier | $56 | $677 |
| Miniature Schnauzer | $57 | $677 |
| West Highland White Terrier | $57 | $677 |
| Husky | $57 | $680 |
| Bichon Frise | $57 | $683 |
| Norwich Terrier | $58 | $690 |
| Brussels Griffon | $58 | $692 |
| Siberian Husky | $58 | $697 |
| Miniature Fox Terrier | $59 | $703 |
| Norfolk Terrier | $59 | $706 |
| Italian Greyhound | $59 | $706 |
| Cairn Terrier | $59 | $708 |
| Large Mix (Over 70 pounds) | $59 | $714 |
| Welsh Springer Spaniel | $59 | $713 |
| Bearded Collie | $59 | $711 |
| Giant Mix (111 pounds+) | $59 | $713 |
| Large Mix (51-100 pounds) | $60 | $717 |
| Irish Terrier | $60 | $717 |
| Boston Terrier | $60 | $716 |
| Large Mix (61+ pounds) | $60 | $718 |
| Medium Mix (23-70 pounds) | $60 | $720 |
| Mixed Breed Large (51-90 lbs) | $60 | $717 |
| Affenpinscher | $60 | $720 |
| Icelandic Sheepdog | $60 | $720 |
| Wire Fox Terrier | $60 | $722 |
| German Pinscher | $60 | $723 |
| Whippet | $61 | $727 |
| Large Mix (55-90 pounds) | $61 | $732 |
| Australian Cattle Dog | $62 | $740 |
| Finnish Lapphund | $62 | $747 |
| Alaskan Husky | $62 | $746 |
| Australian Kelpie | $63 | $752 |
| Norwegian Elkhound | $63 | $756 |
| Petit Basset Griffon Vendeens | $63 | $758 |
| Cavalier King Charles Spaniel | $63 | $755 |
| German Spitz | $63 | $756 |
| Welsh Terrier | $63 | $759 |
| Standard Schnauzer | $63 | $763 |
| Welsh Corgi Cardigan | $64 | $763 |
| Mixed Breed | $64 | $772 |
| Collie | $64 | $769 |
| Mixed Dog (51-90 pounds) | $64 | $764 |
| Beagle | $65 | $776 |
| Pug | $65 | $774 |
| Soft Coated Wheaten Terrier | $65 | $776 |
| English Springer Spaniel | $65 | $780 |
| Giant Mix (110 pounds+) | $65 | $780 |
| Large Mix (60-109 pounds) | $65 | $780 |
| Medium Mix (26-59 pounds) | $65 | $780 |
| Small Mix (0-25) | $65 | $780 |
| Pembroke Welsh Corgi | $65 | $780 |
| Welsh Corgi Pembroke | $65 | $780 |
| Tibetan Terrier | $65 | $783 |
| Puli | $66 | $791 |
| Cocker spaniel | $66 | $792 |
| Pointer | $66 | $795 |
| German Shorthaired Pointer | $66 | $797 |
| Basset Fauve de Bretagne | $67 | $802 |
| Mixed Dog (91 pounds+) | $67 | $805 |
| Keeshond | $67 | $808 |
| Samoyed | $68 | $813 |
| Smooth Collie | $68 | $813 |
| Scottish Terrier | $68 | $815 |
| Italian Spinone | $69 | $823 |
| English Foxhound | $69 | $827 |
| Giant Mix (100 pounds+) | $69 | $827 |
| English Pointer | $70 | $840 |
| Vizsla | $71 | $847 |
| American Foxhound | $71 | $844 |
| Saluki | $71 | $848 |
| Field Spaniel | $71 | $856 |
| Rough Collie | $71 | $855 |
| Foxhound | $71 | $855 |
| Staffordshire Bull Terrier | $72 | $861 |
| Portuguese Water Dog | $72 | $862 |
| Corgi | $73 | $873 |
| Irish Setter | $73 | $874 |
| Labrador Retriever | $73 | $874 |
| Alaskan Malamute | $73 | $876 |
| Harrier | $74 | $882 |
| German Shepherd | $74 | $888 |
| Standard Poodle | $75 | $894 |
| Bracco Italiano | $75 | $901 |
| Belgian Shepherd Malinois | $76 | $911 |
| Golden Retriever | $76 | $914 |
| English Setter | $76 | $912 |
| Afghan Hound | $77 | $919 |
| Hungarian Vizsla | $79 | $948 |
| Pitbull | $80 | $956 |
| Lurcher | $80 | $958 |
| Alsation | $80 | $963 |
| Chow Chow | $81 | $967 |
| Airedale Terrier | $81 | $971 |
| Miniature Bull Terrier | $82 | $980 |
| Briard | $82 | $976 |
| Petit Basset Griffon Vendeen | $82 | $981 |
| Estrela Mountain Dog | $84 | $1,003 |
| Clumber Spaniel | $84 | $1,003 |
| Alsatian | $84 | $1,008 |
| Old English Sheepdog | $84 | $1,007 |
| Akita | $85 | $1,016 |
| Komondor | $85 | $1,018 |
| Greyhound | $86 | $1,028 |
| Dalmatian | $86 | $1,033 |
| Bull Terrier | $87 | $1,041 |
| American Staffordshire Terrier | $87 | $1,043 |
| Small Mix (20 and under pounds) | $87 | $1,045 |
| Giant Mix (90 pounds+) | $88 | $1,046 |
| Rhodesian Ridgeback | $89 | $1,064 |
| Gordon Setter | $89 | $1,068 |
Is Allstate Pet Insurance Expensive?
Allstate ranks 12th for dogs and 14th for cats in affordability, making it a midrange option. Your costs depend 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 provides pet insurance discounts for military members and multiple pets under a single policy.
Military | 5% | Active and former U.S. military members (NY and TN excluded) |
Multiple pet | 10% | Two or more pets on one policy |
Allstate Pet Insurance Customer Service Reviews and Ratings
Allstate ranks sixth nationally for pet insurance customer service. It 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 responsive and helpful 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 have mixed feelings about Allstate pet insurance. Our analysis of 21 comments found 29% were positive, with six favorable responses against 15 negative ones. Users who liked Allstate praised quick customer service and clear policy language. More customers complained about claim denials and coverage gaps. Pet owners report varied experiences with Allstate's claims process.
Allstate Pet Insurance Coverage
Allstate provides pet insurance for dogs and cats. Pet owners can adjust their plan with multiple coverage levels and optional add-ons to fit their budget and their pet's health needs.
Accident and illness plan | Covers injuries, illnesses, diagnostics, surgery, medications, hereditary and congenital conditions, behavioral issues and alternative care |
Bilateral conditions | If one side has a pre-existing condition, the other side isn't covered |
Pre-existing conditions | Not covered unless curable and symptom-free for 12 months |
Two days for accidents, 14 days for illnesses, six months for orthopedic issues (waived with vet exam) | |
Enrollment restrictions | Full coverage for pets ages six weeks to 14 years. Accident-only coverage for pets 15 and older. No breed exclusions. |
70%, 80% or 90% | |
Accident-only plan | $100 deductible, 90% reimbursement, $5,000 annual maximum |
$200–1,000 annually (state-dependent) | |
$5,000–30,000 annually; no lifetime caps | |
*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.
HOW ALLSTATE REIMBURSES CLAIMS AND ADJUSTS POLICIES
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 increase over time based on your pet's age, inflation or location changes. You can adjust your policy anytime, though increasing coverage levels resets 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?
Yes, if you prioritize 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 are split on Allstate's pet insurance. Only 29% of the comments we reviewed were positive, with six favorable comments and 15 negative ones. Some people appreciate the helpful customer service and clear policy details, but many mention slow claim processing and denials tied to 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 is available in all 50 states. Premiums 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
Allstate ranks midtier nationally but excels in specific states and demographics. To identify where Allstate offers the best value, we evaluated pricing, customer feedback and coverage across three weighted categories.
Affordability (50%): Premiums drive pet insurance decisions. We gathered quotes for dogs and cats across age groups, breeds and plan configurations. This heavy weighting reflects the reality that monthly premiums matter most when choosing between mid-range insurers like Allstate.
Customer experience (30%): Allstate's claims process and support quality separate it from competitors. We analyzed Trustpilot reviews and Reddit discussions to capture real experiences with claims, denials and customer service responsiveness.
Coverage options (20%): Allstate offers standard accident and illness protection plus optional wellness add-ons. We assessed deductible choices ($200 to $1,000), annual limits ($5,000 to $30,000) and reimbursement rates (70%, 80%, 90%) to determine flexibility for different budgets.
Our pricing analysis uses quotes for a 6-year-old Labrador Retriever and 7-year-old Ragdoll with $500 deductible, $5,000 annual limit and 80% reimbursement (the most common configuration among pet owners).
About Connor Bolton
Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.
Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.
Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.
He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.