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|Coverage||Accidents, emergency care, illness and disease-related health problems, hospitalization, surgery, nursing care, diagnostic testing, medicines, alternative therapies, treatment for chronic conditions|
Pets are part of the family, and most owners would do anything to keep their furry friends healthy and happy. As pets have taken on increasingly important roles in our lives, spending on their healthcare has gone up dramatically in recent years.
As a pet owner myself, I know that the field of veterinary medicine has advanced so pets can now have many of the same procedures humans do, ranging from cancer treatments to open heart surgeries.
Unfortunately, the costs of these treatments can be prohibitively expensive for many families. That’s why buying pet insurance can be a smart move, but it’s important to choose the right pet insurance plan and compare the best pet insurance companies.
Our Allstate pet insurance review can help you determine what Allstate’s policy covers so you can decide whether or not this plan is right for you, or whether another pet health insurance company could be better.
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Allstate Pet Insurance Coverage
The first thing to know about Allstate pet insurance is that the policy is not actually an Allstate product. It is offered by American Modern Insurance Group, which is a third-party company.
That means that while an Allstate agent can help you get covered, you won’t be dealing with Allstate directly if you have to make claims.
Still, the policy that Allstate markets is a fairly comprehensive pet health policy that promises “nose-to-tail” protection. The insurance policy covers:
- Vet bills for accidental injuries and emergency care
- Treatments for illness and disease-related health problems
- Hospitalization, surgery, and nursing care
- Diagnostic testing, including tests such as MRIs and X-rays in addition to basic lab work
- Medicines your pet may require for health issues
- Certain alternative therapies, including homeopathic medicine, acupuncture, hydrotherapy, and holistic medicine treatments
- Treatment for chronic conditions including hyperthyroidism, allergies, and diabetes
Allstate also indicates that genetic conditions will be covered as long as your pet has no symptoms of the condition at the time your policy is purchased.
This range of offerings is similar to many other pet insurers. However, you’ll want to talk with your agent and read the policy carefully to find out about any coverage limitations.
For example, the policy covers surgery, but there are certain procedures—such as mitral valve repair surgery—that are available only overseas and not in the U.S.
What Does Allstate Pet Insurance Not Cover?
Although Allstate promises nose-to-tail coverage, routine care—including checkups, dental care, and vaccines—will not be covered by your insurance policy unless you purchase an additional Wellness Rewards plan.
Your Allstate pet insurance and pet health policy will also exclude:
- Any elective procedures that aren’t medically necessary. Examples include declawing that there’s no medical reason for, docking of the tail, or cropping of the ears
- Costs associated with pregnancy, breeding, or whelping
- Root canals, crowns, and other orthodontic or endodontic procedures
- Training or treatment for behavioral issues
- Personal care or grooming items, such as shampoo
- Pet food
- Supplements and vitamins
Your pet is also not covered for pre-existing conditions or for any genetic or breed-specific conditions your animal shows symptoms for before you get covered. The pre-existing condition exclusion means you should get your pet covered before illness or an accident strikes if you want insurance to pay for care that becomes necessary.
Costs of Allstate Pet Insurance
Monthly premiums for this particular pet insurance vary based on a variety of factors, including:
- The type of pet you have. It may cost more to cover an exotic pet as opposed to a pet more commonly owned like a Labrador dog just as an example.
- Your pet’s breed. Some animals are more predisposed to genetic conditions such as hip dysplasia or various heart conditions. Insuring them may be more costly because of these possible hereditary conditions.
- Your pet’s age. It will cost more to insure an older pet than a younger one
- Your deductible and coverage limits. A higher deductible and lower coverage limits will result in lower premiums than a policy with a low deductible and ample coverage
- The type of policy you have. Accident-only policies cost less than policies that cover both accidents and illness
Allstate recommends contacting a local Allstate insurance agent to obtain a comprehensive quote for coverage. Online quotes are not available for pet insurance from Allstate.
However, several years ago, Consumer Reports indicated accident and illness policies typically run around $473 annually for dogs and $285 for cats, and you can expect to pay slightly higher prices for current coverage.
The Allstate customer service team may be able to provide more specific information as well.
How to Get Allstate Pet Insurance
Allstate pet insurance is available only to pets 14 years of age or younger and may not be available nationwide, depending on where you live.
Your pet may also be ineligible for a comprehensive policy covering illness if your animal has been diagnosed with, or shows symptoms of, Cushing’s disease, Addison’s disease, FeLV, or FIV.
If your pet can’t get comprehensive coverage, an accident-only policy may still be an option.
You’ll need to contact your Allstate agent to get a quote for coverage and must provide basic information about your pet as part of the application process. There may be a waiting period associated with Allstate pet insurance before your pet insurance plan offers coverage, also.
Because Allstate does offer fairly comprehensive coverage on par with or exceeding policies offered by competitors, buying Allstate pet insurance could be a good option to get care costs covered for your animal.
However, you’ll need to talk with an agent to find out what your monthly premiums and what your co-pay for pet care will be and make sure your dog or cat is eligible for coverage. You’ll also need to read the fine print carefully to find out exactly what is covered and what is excluded so you can make sure your pet’s serious illness or injury won’t cause financial hardship for your family.4.50 Allstate Pet Insurance