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What Does Pet Health Insurance Cover?

Updated: September 2019

Pet health insurance can help make sure your pet gets necessary care without an unexpected expense, such as in an emergency.

Pet health insurance may include coverage for the following:

  • Accidental injuries
  • Illnesses
  • Breed-specific conditions

In addition, some plans may allow you to purchase additional coverage, including:

  • Wellness care tiered plans, which may help pay for routine care and preventive surgeries, such as spaying or neutering at the basic level. Higher tiers may help pay for dental care, prescription diet food and hip exams.
  • Prescription drug coverage if your pet is on maintenance medication

Video Transcript

AVO: We treat pets like members of the family. We pamper them. Feed them well. And even take selfies with them.

AVO: So why wouldn't we protect them like family, too?

AVO: Pet Health Insurance takes care of medical bills for your furriest child.

AVO: Plans protect pets of all sizes and ages…

AVO: …and can cover everything from an exam or medication to x-rays. They help treat everyday ailments, such as digestive issues…

AVO: …and provide coverage for ER and specialty hospitals.

AVO: Plans can even cover chronic and genetic conditions, such as allergies.

AVO: Unfortunately, even four-legged friends can get cancer. But testing and treatment are covered, at no additional cost.

AVO: Pet Health Insurance helps in other ways, with coverage for things like acupuncture… and behavioral training.

AVO: And you choose the vet or provider.

AVO: Wellness rewards help reimburse routine care, like grooming and prescription food.

AVO: Annual plans can cost less than just one ER visit. And you can earn a lower deductible every year you're claim free!

AVO: Keep treating your pet like family. Give your dog or cat the love and protection they deserve with Pet Health Insurance.

AVO: Learn more at

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.

Get a quote

How Does Pet Insurance Work?

The Insurance Information Institute states that the cost of a pet insurance policy is typically determined by the animal's age, overall health and the type of coverage you choose to purchase. Like human health insurance, you'll likely pay annual premiums and deductibles with your pet insurance plan. Your plan may require that you pay for veterinarian services up front, and the insurer will reimburse you for covered expenses. Like most insurance policies, coverage limits may apply.


Certain expenses are typically not covered by a pet insurance policy. These are some common exclusions:

  • Pre-existing conditions
  • Food and vitamins
  • Costs related to pregnancy or breeding
  • Behavioral treatments

Read your policy or talk with your agent to learn what types of expenses your pet insurance plan does and does not help cover.


The American Veterinary Medical Association provides guidelines on choosing a pet insurance plan for you and your furry family members. The association says the plan should:

  1. Allow you to work with a licensed veterinarian of your choosing
  2. Be approved by your state's insurance regulatory agency
  3. Be clear about policy limits, pricing and optional coverages

If you'd like to plan ahead for your pet's expected check-ups or an occasional illness, pet insurance might be worth considering. Talk to your veterinarian about his experiences with pet insurance, and ask if your pet may be at risk for any specific conditions or illnesses. If you know your dog's breed is prone to certain ailments or your cat doesn't always land her daring leaps, dog or cat insurance may help you pay for extra trips to the vet.

If you're interested in learning more about pet health insurance, talk to an local insurance agent today.

Related Resources:

* 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.

This content is for informational purposes only and may not be applicable to all situations.

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.

The Expanded Market Program provides access to products underwritten by non-Allstate companies. Allstate does not operate or control any company that provides policies through this program. In this program, Allstate does not have any financial responsibility to you for any policy purchased, is not responsible for any claims you may make with such companies, and makes no representations nor accepts any liability related to the operations of such companies, including, but not limited to, their financial condition and claims handling.

Coverage subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company, Allstate Indemnity Company, Allstate Fire and Casualty Insurance Company, Allstate Property and Casualty Insurance Company, Northbrook, IL. © 2020 Allstate Insurance Company, Northbrook, IL.
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