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Pet Health Insurance

Better Pet Health Starts With A Plan

Life is just better with a dog or cat around. And while each stage in your pet's life comes with its joys, there may also be some challenges. The good news is that you can plan for some of the more difficult times by putting a pet health insurance plan in place.

What is pet health insurance?

Much like home or auto insurance, a pet health policy can help provide peace of mind — kicking in to help cover costs when your cat or dog has an injury, faces a serious health problem and, in many cases, goes to the vet for routine wellness care.

Why purchase a policy?

Veterinary medicine can do amazing things for pets these days, but the costs for scans and other treatments can quickly add up. When you have pet health insurance, though, you don't have to choose between costly care and your sick pet — the nose-to-tail comprehensive protection can help you do right by your furry friend.

What does pet health insurance cover?

  • Accidents, and treatments for illness and disease
  • Cancer and chemotherapy services
  • Surgery, hospitalization and nursing care
  • Lab work and diagnostic tests, including X-rays and MRIs
  • Medications
  • Genetic conditions^
  • Alternative therapies like acupuncture, hydrotherapy and holistic and homeopathic medicine
  • Chronic and recurring conditions, like allergies, diabetes and hyperthyroidism

You can also talk to your Allstate agent about an optional Wellness Rewards plan that provides coverage for routine care, such as annual check-ups, vaccinations, dental cleanings and more.

^ Genetic and breed-specific conditions are covered, provided the pet does not show signs or symptoms of them prior to enrollment.

Protect Your Furriest Family Member.

You treat your pet like part of your family. So why wouldn't you protect them like family, too? Give your dog or cat the love and protection they deserve with Pet Health Insurance.

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What's not typically covered?

  • Cosmetic and elective procedures, like tail docking, ear cropping and declawing (except when medically necessary)
  • Vet fees related to pregnancy, breeding and whelping
  • Orthodontic or endodontic procedures, like root canals or crowns
  • Treatment for behavioral problems
  • Vitamins, supplements, pet foods and personal care items like shampoo or ear cleaner
  • Pre-existing conditions, including any genetic or breed-specific conditions

Is my pet eligible for a policy?

Your pet needs to be under the age of 14 to sign on with a new health insurance policy. If your pet is older than that, or has received a diagnosis or shown symptoms of diabetes, Cushing's disease, Addison's disease or FeLV/FIV, you may find that an accident-only plan makes sense, covering:

  • Doctor and nurse exams, and specialist fees
  • Laboratory tests
  • Emergency care and hospitalizations
  • MRIs, CT scans, X-Rays and Ultrasounds
  • Acupuncture services, chiropractor fees and holistic medicine
  • Physical therapy, including hydrotherapy
  • Laparoscopies and surgeries, including laser surgery

Reach out to your area Allstate agent for more information on why pet health insurance can be a fetching way to keep your cats and dogs looking and feeling their very best.

* Embrace Pet Insurance Agency, LLC, provides quotes from American Modern Home Insurance Company and American Southern Home Insurance Company on this site. These entities are not affiliated with Allstate or Ivantage Select Agency, Inc, an Allstate affiliate. Ivantage Select Agency, Inc (ISA), an Allstate affiliate, refers consumers to Embrace Pet Insurance Agency, LLC, which offers and administers pet insurance and is underwritten by American Modern Home Insurance Company and American Southern Home Insurance Company. Please visit to review all available pet health insurance products underwritten by American Modern Home Insurance Company and American Southern Home Insurance Company. Please refer to your declarations page to determine the underwriter for your policy. Each insurer has sole financial responsibility for its own products. Embrace Pet Insurance Agency, LLC and its insurers are not affiliated with Allstate or Ivantage Select Agency, Inc, an Allstate affiliate. Allstate and its affiliates are not responsible for the insurer or coverage selections, policy issued, claims, the content or operation of other's websites, or how others handle or use your information. Information you provide to others is subject to their privacy policies and website terms of use and may be shared with us. ISA receives compensation from Embrace Pet Insurance Agency, LLC that may vary based on the policy you buy.

Pet Health Insurance is not an Allstate product. The policy is offered under the expanded market program and is administered by Embrace Pet Insurance and underwritten by American Modern Insurance Group, a third-party company not affiliated with Allstate.
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