Pet Insurance

Allstate Pet Insurance: What Does it Cover?

Pet ownership comes with the responsibility of taking care of your furry friend’s health, which can be a costly affair. From routine checkups to unforeseen medical emergencies, veterinary bills can quickly add up. That’s where pet insurance comes in handy. Allstate, a leading insurance provider, offers comprehensive pet insurance coverage for your furry family members. In this article, we will discuss what Allstate pet insurance covers.

What is Allstate Pet Insurance?

Allstate offers customizable pet insurance policies that cover accidents, illnesses, and routine wellness care for cats and dogs. Allstate’s policies are underwritten by American Modern Insurance Group, Inc., a subsidiary of Munich Re, which has been providing pet insurance in the United States since 1982. Allstate pet insurance plans offer flexible coverage options, with reimbursement rates of up to 90% of eligible veterinary costs.

Accident Coverage

Allstate pet insurance covers accidental injuries, including broken bones, cuts, and foreign object ingestion. The policy covers emergency veterinary care, diagnostic tests, X-rays, surgery, and prescription medications. This coverage applies to accidents that occur anywhere, whether at home, in the park, or during travel.

Illness Coverage

Allstate pet insurance also covers illnesses, including infections, allergies, and chronic conditions like arthritis or diabetes. The policy covers diagnostic tests, medications, hospitalization, surgery, and other treatment costs. It also covers chronic conditions, provided that they were not pre-existing before the policy’s effective date.

Wellness Coverage

Allstate offers optional wellness coverage that covers routine preventive care, including annual checkups, vaccinations, flea and tick prevention, and dental cleaning. This coverage helps pet owners plan for routine pet care expenses and ensures that pets stay healthy.

Hereditary and Congenital Conditions Coverage

Allstate pet insurance covers hereditary and congenital conditions, which are conditions that are passed down from a pet’s parents or are present at birth. These conditions include hip dysplasia, heart defects, and eye disorders. The policy covers diagnostic tests, medication, surgery, and other treatments for these conditions.

Alternative and Holistic Care Coverage

Allstate pet insurance covers alternative and holistic care treatments, such as acupuncture, chiropractic care, and hydrotherapy. These treatments can be used alongside traditional veterinary care to help improve pets’ overall health and wellbeing.

What is not included in pet insurance?

Pet insurance typically does not cover pre-existing conditions, cosmetic procedures, elective procedures, behavioral training or therapy, and certain breeds of pets that are considered high risk or have a history of health problems. Additionally, pet insurance may have limitations or exclusions for certain treatments or conditions, so it’s important to read the policy carefully and understand what is and isn’t covered.

What does pet insurance cover for us?

Pet insurance covers unexpected veterinary expenses related to accidents and illnesses, such as emergency veterinary care, diagnostic tests, surgery, medications, and hospitalization. Some pet insurance plans may also cover routine preventive care, such as annual checkups and vaccinations, as well as alternative and holistic care treatments. However, what is covered by pet insurance can vary depending on the policy and provider, so it’s important to review the policy details carefully.

Final Thoughts

Allstate pet insurance offers comprehensive coverage for accidents, illnesses, routine wellness care, hereditary and congenital conditions, and alternative and holistic care treatments. With Allstate pet insurance, pet owners can rest easy knowing that their furry family members are covered for unexpected veterinary expenses. Pet insurance can help pet owners provide their pets with the care they need, without worrying about the cost.

Also Read: Which Pet Insurance Covers Neutering

Zoey Annette

Zoey Annette is the editor of Allstate Insurance. She's an Allstate insurance agent and a writer. Zoey loves spending time with her family, reading, and traveling.

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