Allstate Review

Overview

Just as important as home or health insurance, pet insurance is an important tool that allows owners to be prepared for the unexpected. Providing you with access to veterinary services when necessary, a great insurance policy can ultimately be the difference between quality care and heartbreaking decisions. But with so many options on the market, and huge differences in the policies offered, how do you go about finding the right insurance provider that will support you and your pet throughout their lifetime?

Allstate Insurance is a well-known and reputable provider that has spent decades protecting Americans, and have now expanded their coverage to include furry family members as well. Featuring comprehensive policies, customizable coverage, and impressive limits, Allstate offers nose-to-tail coverage you can depend on – all at affordable monthly prices. Perfect for bundling with your existing coverage, or amazing as a standalone product, Allstate pet insurance is there to make sure your pet gets the help they need, when they need it most.

Company Information

Founded back in 1931, Allstate Insurance has become a household name throughout the USA and is known as one of the top providers for many insurance needs. Whether you’re looking for health insurance, life insurance, car insurance, or home insurance, Allstate is a one-stop-shop that offers a wide range of policies for you to consider. 

This long-standing institution is a trusted resource that has helped millions of Americans get the coverage they need quickly and without any extra hassle. Committed to helping people from all walks of life, Allstate has focused on creating affordable policies that can be completely customized to meet your preferences. Now, with their expansion into pet insurance, Allstate is making sure that every member of your family, furry ones included, are able to enjoy premium protection, at budget-friendly prices. 

Utilizing an easy-to-navigate website, Allstate Insurance offers a quick and easy sign-up process that takes only minutes to complete. Claims are submitted and monitored online, and you will have access to a personal dashboard where you can stay up-to-date with everything happening in your account. Backed by a long-standing history of success, and with a modern approach to insurance, Allstate makes it simple to get affordable coverage for your pet so that you never have to worry about another expensive vet visit again. 

Coverage

Perfect for cats and dogs alike, Allstate features an impressive range of insurance policies that can help make your next vet visit significantly more affordable. Whether you want an accident-only policy, or an all-inclusive accident and illness option, Allstate has plans available for both and can help you to select the right one of your needs. Regardless of which one you select, you will have access to a range of benefits and perks that will allow you to keep your pet healthy and safe, while also granting them access to top-quality medical care when necessary.

For their most popular plan, an all-inclusive accident and illness policy, owners will be able to take advantage of nose-to-tail protection that includes reimbursement for eligible vet bills related to:

• Accidental Injuries
• Emergency Care
• Illnesses & Diseases
• Hospitalization & Surgery
• Diagnostics & Testing
• Prescription Medications
• Alternative Therapies
• Treatment for Chronic Conditions

Although Allstate does not provide coverage for any pre-existing conditions, they do offer coverage for any genetic conditions that did not show symptoms prior to enrollment. They also may include additional coverage for chronic health issues such as allergies or diabetes, which can mean significant savings for you over the course of your pet’s lifetime. 

Exclusions

In addition to excluding all pre-existing conditions, Allstate does have some additional exclusions that owners should be aware of when they enroll. All coverage and exclusion information can be found written out in your policy, and it is always a good idea to read everything over so that you are fully aware of eligibility before taking your dog or cat to the vet. 

Some of the most common exclusions that can be found in your Allstate Insurance policy may include:

• Care Required due to Breeding, Pregnancy, or Whelping
• Dental Care Including Crowns, Root Canals & Orthodontic Procedures
• Supplements, Vitamins, & Special Diets
• Pet Food & Supplies
• Personal Care & Grooming Products
• Training
• Treatment for Behavioral Problems 

Standard policies through Allstate don’t typically include coverage for elective procedures or annual requirements, but there is the option to add on a wellness rider that will give you additional coverage. The wellness rider will help compensate you for a number of extra vet costs, including:

• Annual Checkups
• Required Vaccinations
• Professional Dental Cleanings
• Flea & Tick Prevention

Enrollment Process

Getting started with Allstate is easy and can be conveniently accomplished right from your computer. There are no lengthy forms that need to be filled out, and you don’t need to speak with a representative unless you want to. Simple and straightforward, the application process only takes a few minutes to complete and can have your pet ready and protected in no time at all.

Enrollment begins with a free quote, where you can input information about your dog or cat to see exactly how much you can expect to pay for insurance. The free quote comes with no obligations to enroll unless you are completely satisfied and it will also give you the opportunity to play around with various customizations to see how it would impact your premiums. Once you have settled on the perfect plan for you and your pet, you can then lock in your pricing and finalize your enrollment if you so choose.

During the actual enrollment process you will need to provide details about your pet’s health history as well as their age. Those who have cats or dogs over the age of 14 may not be able to qualify for an accident and illness policy, although you may still have the option to enroll in accident-only coverage. Those with certain pre-existing conditions may also want to consider accident-only coverage, which is something you can explore during the free quote process.

Allstate Pet Insurance Cost

Pet insurance policies are just as unique as your pet is, which is why it is impossible to give a generalized answer about how much your plan will cost you. Where you live, the type of pet you have, and what kind of coverage you are looking for can all impact what your monthly premiums ultimately end up being. This is why you will want to take advantage of the free quote offered that Allstate Insurance provides as it will give you an accurate price based on your particular circumstances. 

During the free quote process you will be able to look at all of the options available to you and select the annual limit, deductible, and reimbursement amount that suits your needs. Allstate Insurance has a number of options you can look at, and you can decide between:

• 5 Annual Limits ($5,000, $8,000, $10,000, $15,000, or $30,000)
• 5 Annual Deductibles ($200, $300, $500, $750, or $1,000)
• 3 Reimbursement Percentages (70%, 80%, or 90%)

All of these choices can either increase or decrease your monthly premiums which is why it is a good idea to explore all of your options before making a final decision. Finding the perfect balance between coverage and cost will ensure you are your pet reap all of the benefits that Allstate Pet Insurance has to offer.

Bottom Line

No one likes to think about their pets becoming sick or injured, but the reality is that over the course of their lifetime there is likely to be more than a few vet visits required. As a part of life, you want to make sure that you are able to offer your pet the care they need, when they need it, without worrying about how you are going to afford those expensive bills. Thankfully, Allstate Pet Insurance makes it easier than ever before with their comprehensive policies, customizable limits, and affordable plans that fit into any budget.

To learn more about Allstate Pet Insurance, or to take advantage of their free quote offer, you can visit their website. There you will be able to see exactly how much you could expect to pay with one of their impressive plans, and you can get started with enrolling immediately. Don’t wait until it’s too late and instead head on over to Allstate Pet Insurance to see how they can help you to keep your furry family member healthy and happy for years to come.