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How Much Does Allstate Pet Insurance Cost? 2024 Update

Chelsie Fraser

By Chelsie Fraser

happy young caucasian woman with her cat using laptop at home

Pet insurance can give you peace of mind when your pet gets sick or has an accident, but deciding which pet insurance company is right for you can be tough. In order to help you make the best decision when it comes to insuring your pet, we gathered all the latest information on Allstate’s pet insurance policies, including its coverage and rates. Keep reading to find out everything that you need to know about insuring your pet with Allstate!

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The Importance of Pet Insurance

Pets are like family members, and just like people, they can get sick or have accidents. That’s where pet insurance comes in. It can help pay for your pet’s medical bills if they get sick or injured.

Pet insurance is not required, but it is a good idea to have if you want to be prepared for the unexpected. According to the Humane Society, the average cost of a veterinary visit is $45 to $55 for a routine check-up and $100 to $300 for an emergency visit. Veterinary care can be even more expensive if your pet needs surgery or treatment for a chronic condition.

Pet insurance can help you pay for your pet’s medical bills if they get sick or injured. There are many different pet insurance companies and policies to choose from, though, so it’s important to do your research to find the right one for you and your pet.


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How Much Does Allstate Pet Insurance Cost?

Allstate pet insurance costs between $15 and $50 per month. Cats are slightly cheaper to insure than dogs, averaging a monthly premium of $15 to $30. The average premium for dogs is $25 to $40 per month. This price includes coverage for accidents, illnesses, and routine care. Allstate offers 5% discounts for military service members and a 10% discount if you insure multiple pets.

Several factors determine how much you will pay for pet insurance:
  • Your pet’s age, breed, and medical status
  • Your location
  • The coverage and policy that you choose
  • The deductible that you chose

Allstate offers three tiers of coverage that can impact how much you’ll pay for a policy. The more coverage you choose, the more expensive your policy will be.

  • Basic coverage — Basic coverage is the least expensive but also has the lowest rate of reimbursement. It covers care in the event of an accident or illness.
  • Comprehensive coverage — Comprehensive coverage offers reimbursement for routine care costs in addition to accident/illness care. This may include vet visits, spaying/neutering, prescriptions, and diagnostic testing.
  • Wellness care — Wellness coverage offers reimbursement for preventative care like vaccines and heartworm medications.

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What Is the Deductible for Allstate Pet Insurance?

Allstate pet insurance lets you choose your deductible. Regardless of the plan that you choose, the policy will have both a deductible and a coverage limit. This is the maximum amount that the insurance company will pay out each year.

For example, if your policy has a $100 deductible and a $1,500, you can expect to pay $100 up front for your pet’s medical care. Allstate will reimburse you for qualifying claims up to $1,500. If your expenses exceed $1,500, you can expect to pay the rest out of pocket.

The limits on each policy are different, so it’s important to read your policy carefully to know what to expect.

Costs to Anticipate

There are a few costs to anticipate when purchasing Allstate pet insurance.

One is the deductible. This is the amount of money that you have to pay out-of-pocket before the insurance company starts to pay for your pet’s medical expenses. The amount of the deductible varies depending on the policy that you choose.

Another cost is the copayment. This is the amount of money that you have to pay for each vet visit or service. Like the deductible, the amount of the copayment varies depending on the policy that you choose.

Lastly, you will also have to pay premiums. These are your monthly or yearly payments to keep your pet insurance policy active. The amount will depend on certain factors, such as your pet’s age, species, and location.

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What Does Allstate Pet Insurance Cover?

Allstate pet insurance offers a variety of coverage options for pets. It covers accidents, illnesses, cancer, and routine care and has optional coverages for things like boarding, grooming, and preventative care. It also offers various deductibles and co-pays to choose from. You can choose to pay your premiums monthly, quarterly, or yearly.

Exclusions to Allstate Pet Insurance

There are a few exclusions to Allstate pet insurance. Pre-existing conditions are not covered, nor are injuries that occur during dog fights or illegal activities. Allstate also will not cover any expenses related to breeding or pregnancy.

Some coverage has a waiting period, such as accidents and illnesses. The waiting period for accident coverage is 3 days, while the waiting period for illness coverage is 14 days. Coverage for routine care, such as vaccinations and teeth cleaning, has no waiting period.

Allstate pet insurance has a maximum benefit limit of $5,000 per policy year. This limit applies to all types of coverage, including accidents, illnesses, and routine care. Once the limit is reached, the policyholder will have to pay all future costs out-of-pocket.

Here are a few of the things that are not covered under Allstate pet insurance policies:

  • Elective or cosmetic procedures
  • Veterinary care for pregnancy or breeding
  • Orthodontic procedures
  • Behavioral treatments
  • Vitamins and supplements
  • Pre-existing conditions, including genetic conditions

Allstate pet insurance is only available for purchase for animals under the age of 14.

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Conclusion

Allstate offers comprehensive pet insurance at a reasonable price, making it a great option for pet owners looking for quality coverage. Allstate’s pet insurance plans cover dogs, cats, and other pets, including accident-and-illness coverage and preventive care. With so many options available, you’re sure to find a plan that fits both your budget and your pet’s needs.


Featured Image Credit: Fusso_pics, Shutterstock

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