Allstate Insurance Review

As one of the largest insurance providers in the USA, Allstate has been protecting and assisting Americans for decades. Known for their affordable policies, comprehensive coverage, and major discounts for bundled insurance, Allstate is continuously ranked as one of the top choices for anyone who is on the hunt for a great insurance policy. But what many customers may not know is that Allstate doesn’t just offer insurance for customers, they can also help you find a policy that covers your furry family members as well.

Pet owners know that along with their sweet snuggles and goofy antics, dogs and cats can require a lot of work. Not only are you on the hook for daily walks and endless bags of food, you also are financially responsible for their care, including any health related concerns that may come up. Vet visits aren’t cheap, and while no one likes to think about their pet being sick or injured, the reality is that there will be times in life where a trip to the clinic is a must. That’s where Allstate comes in. 

Covering the majority of eligible vet costs for you, Allstate helps you to keep more money in your pocket while still ensuring your dog or cat gets the medical care they need, when they need it most. No more debating whether or not you can afford it, your monthly premiums give you access to top-of-the-line care from any licensed vet or specialist in the country. Promising nose-to-tail protection, everything from x-rays to prescriptions, cancer treatments to chiropractor visits are covered under these policies and it is all available for pets of all breeds and sizes.

Allstate has partnered with Embrace pet insurance to provide well-rounded and comprehensive coverage to pet owners looking for high-quality insurance. Embrace is a well-known and reputable pet insurance provider that offers industry leading coverage at affordable prices and it is their impressive plans that make them a great choice for any pet parent. 

For the policies themselves, and the type of coverage offered, there are 2 main types of plans available for you to select from. The first, intended for the majority of pets, is the accident & illness package that will reimburse you for eligible costs relating to things such as:

Just like the name suggests, an accident and illness policy extends to vet visits related to your pet getting hurt or sick. However, for some pets this type of policy may not be the right fit as many pre-existing conditions are excluded from coverage. Senior pets, or those with significant medical histories, may find that having illness coverage is an unnecessary expense which is why owners do have the option of selecting accident-only if they so choose.

No two pets are the same so why should your pet insurance policy follow a one-size-fits-all design? Allstate understands that a great insurance policy is one that is tailored to the individual, and when it comes to pet insurance it is no different.

Flexible, customizable, and with the ability to personalize numerous parts of your plan, you can design the perfect policy for you and your pet that meets all of your needs while also staying within your budget. Annual limits, deductibles, and reimbursement percentages can all be altered, giving you the freedom to decide how much you ultimately pay upfront and down the road at the vet. 

Starting with annual limits, customers get a wide range of choices and can select a limit that falls between $5,000 and $30,000 each year. This amount will be the maximum you are able to be reimbursed yearly, with anything over the limit being 100% your responsibility. You want to make sure you are selecting enough to cover any and all expenses, which is why the most popular option tends to be the $30,000 annual limit.

The next thing you will need to decide on is how much you want your deductible set at, meaning how much you want to pay out of pocket each year before your insurance policy kicks in. Ranging from $200 to $1,000, a higher deductible could save you a bit of money each month in premiums but it will mean you end up spending more later on. For annual deductibles, the most popular option tends to be the $200 one, although you can play around with the numbers during the quote process to see how it impacts your overall costs.

Finally, you will need to determine a reimbursement percentage which could be 70%, 80%, or 90%. One of the most important parts of your policy, the reimbursement percentage breaks up how much you will be reimbursed for eligible vet costs versus how much you will need to pay out of pocket. 80% tends to be the most popular choice as it allows for the vast majority of bills to be covered, with only 20% of all total costs being paid by you, but again, you can see how each option affects the cost when you apply for a free quote online.

Each year, once you have satisfied your annual deductible, you can then start submitting vet bills in order to have them reimbursed by your policy. To make it as simple as possible for customers, the claims process has been streamlined and modernized, utilizing an online portal or mobile app for quick and easy access. 

After paying the vet bill in full following any procedures, you can then upload the receipt along with your claim form for reimbursement. Known for processing claims quickly and efficiently, most pet owners find it only takes 10 to 15 business days before their eligible expenses are covered and the money is put back in their bank account or sent via check to their home. 

Available 24/7 and with access to customer support from agents who care, pet owners love how simple making a claim is and that all claims can be tracked using the online portal or mobile app. Ensuring you are never left in the dark wondering what is happening with your claim, you can track its progress in real time virtually and know exactly when it is approved as well as review any past claims if necessary.

Pricing for Allstate pet insurance will depend on a number of different factors and will ultimately be unique to each pet and their owner. Where you live, what kind of pet you have, the pet’s size and age, as well as what limits you select, will all be used to determine what your monthly deductible ends up being. 

Those looking to save a bit of money can do so by choosing lower annual limits as well as lower reimbursement percentages, or, by selecting a higher annual deductible. This can all be accomplished during the free quote process which is where you can input your pet’s information and play with the numbers until you get a price you are happy with.

All quotes are provided completely free of charge and there is no obligation to continue with your application if you are not satisfied with your pricing. You can also reach out to an Allstate representative to discuss your pet insurance options, and ask about any discounts you may be eligible for.

Enrolling in a new pet insurance plan is easy and can be done directly from the Allstate website. The application process is extremely quick and should only take you a few minutes from start to finish, however it is important to note that your insurance policy will not become active immediately following signing up. You will need to submit a recent medical exam as well as past medical files and there is also a waiting period for both accidents and illnesses. Accident coverage will begin first, followed by illness, and then finally orthopedic coverage at the end. 

Looking to go beyond just accident and illness coverage? Now you can - with access to an inclusive and comprehensive wellness package that covers eligible preventative care costs each year. The optional wellness rewards plan pairs seamlessly with your existing policy and will reimburse you for:

Allstate pet insurance also features additional benefits and perks not offered by all providers such as access to their 24/7 help line. PawSupport can be called any time and will be able to answer questions relating to emergency care as well as general care for your pet. You can discuss diet plans, exercise, training, or find out if your pet is sick or in danger based on symptoms. There is no extra charge for this service, and it can ultimately save you money on vet bills by reducing the number of unnecessary visits over minor questions or issues.

Featuring affordable policies and customizable plans, Allstate pet insurance is a great choice for pet parents who want the ultimate peace of mind. Delivering high-quality policies through their partner Embrace, one of the nations top pet insurance providers, you are promised nose-to-tail coverage that you and your furry friend can depend on through sickness and even in health. Take advantage of their no-obligation, free quote offer and see how Allstate can help you save more money today, while keeping your pet protected year after year.