Is Allstate Pet Insurance right for you? Review 2024
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Discover the methodologyWhile pets bring great joy to our lives, in return we must give them the best care possible, no matter the circumstances. That's why having a good pet insurance to protect both you and your pet is critical.
Among many companies out there, there is Allstate pet insurance that provides comprehensive plans for accidents, illnesses, hospitalisation, surgery, medications and more, to make sure you're giving the best care for your pet.
But is it the right choice for you? In this review, we take you through the coverage, pros, cons, exclusions, and costs, so you can decide if Allstate pet insurance is what you're looking for. You can also compare plans from other providers and get free quotes using the HelloSafe comparator.
Allstate Pet Insurance: 6 Key Takeaways
- Allstate pet insurance offers a variety of coverage options to fit the needs of different pet owners.
- The plans are affordable and offer a quick and seamless claims process.
- Blue Ribbon Benefits include 24/7 emergency assistance and subscription to pet magazines.
- You also get a 4Life Guarantee to steadfastly renew benefits each year throughout your pet's lifetime.
- There are some exclusions, such as pre-existing conditions, wellness, preventative and elective treatments.
- Compare plans from other providers and get free pet insurance quotes using HelloSafe comparator.
Our 2024 review of Allstate pet insurance Canada
Does Allstate have pet insurance? Well, Allstate does not offer pet insurance directly in Canada, but they partner with Pets Plus Us pet insurance to provide coverage to Canadian customers. Pets Plus Us is a well-respected pet insurance company in Canada and they offer a variety of coverage options to fit the needs of different pet owners.
Allstate offers comprehensive plans, which cover accidents and illnesses, hospitalisation, surgery, prescription medications and more. The cost of the plans will vary depending on your pet's age, breed and health history.
So, is Allstate pet insurance good? It depends on what you unique needs are. For example, if you have an ageing pet or a pet with pre-existing conditions, or require certain wellness treatments, Allstate may not be the best choice. But if you're looking for comprehensive coverage plans for younger pets, this could be the right pick for you.
Here are some pros and cons of Allstate Canada pet insurance:
Pros:
- Just one annual deductible
- No fee per claim
- A quick and seamless claims process
- Blue Ribbon Benefits
- 4Life Guarantee
Cons:
- The plans can be expensive, especially for older pets or those with pre-existing conditions
- The deductibles can be high in some cases
- The plans may not cover all types of treatments
What are the types of pet insurance offered by Allstate pet insurance Canada?
In collaboration with Pet Plus Us, Allstate pet insurance offers coverage for dogs and cats.
Dog Insurance
Pets Plus Us offers comprehensive plans catering to dogs of all ages, ranging from playful puppies to wise seniors. Similar to humans, as dogs mature, their susceptibility to accidents and ailments increases, often necessitating expensive medical interventions.
Opting for dog insurance through Pets Plus Us provides you with the reassurance that if your beloved canine companion falls ill or sustains an injury, you can concentrate on providing them with top-tier veterinary attention without the added concern of hefty veterinary expenses that come with the cost of owning a dog.
Cat Insurance
Irrespective of whether you share your space with an indoor or outdoor feline friend, numerous variables can influence the likelihood of health issues or unforeseen mishaps, such as dietary preferences, breed characteristics, age and behaviour patterns. Pet insurance for a cat is therefore pivotal.
This Pets Plus Us insurance for cats equips you to handle the unforeseen financial burdens that can arise while caring for your cherished cat.
What does Allstate pet insurance cover?
Pet Protection Plans by Pets Plus Us Insurance are designed to cater to various budget ranges.
First, we have the Pets Plus Us Accident policy. With this policy:
- You gain access to a $5,000 coverage per year, which facilitates injury treatment resulting from accidents.
- This comprehensive coverage encompasses emergency veterinary care for accident-related injuries, including consultations, examinations, hospitalization, surgical procedures, prescription medications, alternative therapies and referrals to specialists, all conducted by licensed veterinarians.
Then we have the Accident and Illness plan from Pets Plus Us: the most popular and all-encompassing pet insurance choice. This plan offers two options for coverage limits: either $7,500 or $15,000 per year. Under this plan:
- Your pet not only enjoys the benefits of the Accident policy but also receives coverage for veterinary care and treatments related to eligible illnesses, including conditions like allergies and diabetes.
- Furthermore, the Accident and Illness plans extend their coverage to include hereditary and behavioural conditions as well.
Does Allstate pet insurance Canada offer optional riders?
To manage the costs associated with routine and seasonal pet healthcare, Pets Plus Us Insurance provides the option to enhance an Accident and Illness Policy with additional coverage at a nominal monthly cost.
This supplementary coverage is termed the Flex Care plan, which bolsters the existing coverage of your Accident and Illness policy. The Flex Care coverage can be applied to your pet's regular vaccinations, medications and other routine treatments not covered by the Accident and Illness policy.
- The beauty of this feature lies in your ability to select an annual spending limit that aligns perfectly with your pet's preventative care requirements.
- This chosen amount is then divided into easily manageable monthly installments, alongside your monthly Accident and Illness policy premium.
With all Pets Plus Us insurance plans, you get the Blue Ribbon benefits and the 4Life Guarantee, ensuring comprehensive and reliable coverage for your cherished pet.
What does Allstate pet insurance Canada not cover?
While Allstate pet insurance in partnership with Pet Plus Us offers comprehensive converge, it has some exclusions to be aware of. For instance, it doesn’t cover:
- Waiting periods when you first buy
- Illness conditions
- Musculoskeletal conditions
- Pre-existing conditions
- Reproduction and reproductive system claims
- Wellness, preventative and elective treatments
- Claims for dental treatment
- Dietary indiscretion and contaminated water
- Non-surgical foreign body ingestion
- Accidents or illnesses caused by you
- And more
If you'd like to look at pet insurances that serve older pets better and offer specialised treatment coverage, you could use our comparator below to get free quotes and compare coverages from multiple pet insurances in Canada.
Compare the best pet insurance plans on the market!
What are the Blue Ribbon Benefits offered by Pets Plus Us?
Allstate pet insurance — in collaboration with Pets Plus Us — presents a comprehensive suite of pet insurance products and services designed to simplify the experience of being a pet owner. Here are the Blue Ribbon benefits:
- A dedicated team of skilled and accredited veterinary professionals remains accessible around the clock to provide emergency assistance through PetHelpFone and the Pet Poison Helpline.
- The Compassionate Care Line extends support by assigning in-house counsellors to pet owners navigating challenges related to grave illnesses and injuries, including provisions for bereavement support when necessary.
Included within these benefits is the SOS Pet Emergency Medical Coverage, which offers coverage of up to $1,000 for eligible emergency medical expenses if a pet encounters a life-threatening injury while lost.
Good to know
These advantageous features are further enhanced by a complimentary subscription to either Modern Dog or Modern Cat Magazine. Importantly, the Blue Ribbon Benefits are integrated into your coverage and are available for unlimited utilization.
What is Allstate Pet Insurance’s 4Life Guarantee?
Every coverage package from Pets Plus Us comes with a 4Life Guarantee, which ensures that your benefits remain steadfastly renewable each year throughout your pet's entire lifetime once you've enrolled for coverage.
What does it mean? This means that for as long as your pet is covered by Pets Plus Us, your policy will remain intact, impervious to factors such as age or the frequency of claims.
How much does Allstate pet insurance cost for cats?
For a 2-year-old female cat (Abyssinian), the Accident and Illness plan will cost you $46.40 per month (before taxes and discounts), with a coverage of $7500 per year. Coverage includes:
- Accidents
- Alternative therapies
- Behavioural therapies
- Hereditary conditions
- Illness
- Underwriting upfront
- And more
You can select how much the company will pay: 70%, 80% or 90%, and your annual deductible: $100, $200 or $300 for the percentage of what the company pays respectively.
Similarly, the Accident plan will cost you $20.73 per month (before taxes and discounts), with a coverage of $5000 per year. It will only cover accidents and alternative therapies. The company will pay 80% with an annual deductible of $100. Here's a tabular interpretation for your reference:
| Plan Type | Accident and Illness Plan | Accident Plan (pet insurance Allstate) |
|---|---|---|
| Monthly Cost | $46.40 (pre-tax, pre-discount) | $20.73 (pre-tax, pre-discount) |
| Coverage per Year | $7,500 | $5,000 |
| Coverage Includes | Accidents, Alternative Therapies, Behavioural Therapies, Hereditary Conditions, Illness, Underwriting, Upfront and more | Accidents, Alternative Therapies |
| Company Pays | 70%, 80% or 90% | 80% |
| Annual Deductible | $100, $200 or $300 | $100 |
How much does Allstate pet insurance cost for dogs?
For a 4-year-old male dog (Afghan Houd), the Accident and Illness plan will cost you $73.28 per month (before taxes and discounts), with a coverage of $7500 per year. Coverage includes:
- Accidents
- Alternative therapies
- Behavioural therapies
- Hereditary conditions
- Illness
- Underwriting upfront
- And more
You can select how much the company will pay: 70%, 80% or 90%, and your annual deductible: $100, $200 or $300 for the percentage of what the company pays respectively.
The Accident plan will cost you $23.17 per month (before taxes and discounts, with a coverage of $5000 per year. It will only cover accidents and alternative therapies. For this plan, the company will pay 80% with an annual deductible of $100. Here's a tabular interpretation for your reference:
| Plan Type | Accident and Illness Plan | Accident Plan |
|---|---|---|
| Monthly Cost | $73.28 (pre-tax, pre-discount) | $23.17 (pre-tax, pre-discount) |
| Coverage per Year | $7,500 | $5,000 |
| Coverage Includes | Accidents, Alternative Therapies, Behavioural Therapies, Hereditary Conditions, Underwriting, Upfront and more | Accidents, Alternative Therapies |
| Company Pays | 70%, 80% or 90% | 80% |
| Annual Deductible | $100, $200 or $300 | $100 |
We recommend that you compare prices of other pet insurances too before deciding on Allstate. You could use our comparator below to compare coverage, pricing, and get free quotes from the best pet insurances in Canada.
Compare the best pet insurance plans on the market!
How can you make a claim for Allstate pet insurance?
Making a claim for pet insurance with Allstate Canada is super easy. Here’s how to submit a claim:
- Seek Treatment for Your Pet: Take your pet to receive the necessary medical treatment.
- Settle the Veterinary Bill: Make the payment for the veterinary services provided.
- Required Documentation for Claims: Provide the completed invoice(s) from your veterinary visit and include examination notes obtained during your vet visit.
- Submit Your Claims: Visit portal.petsplusus.com to submit your claims. Send your claims to [email protected].
- Expedite Claim Reimbursement: Sign up for direct deposit to receive quicker claim reimbursements.
How can you contact Allstate pet insurance?
- You can contact Pets Plus Us at 1-800-364-8422.
- Alternatively, you can visit portal.petsplusus.com and log in to your account to file a claim.
- You can also email Allstate at [email protected].
