Usually, allergy tests are covered by major medical insurance. To be sure that the allergy tests that you are being referred to complete are covered, you can contact your insurance provider and ask. However, if you do not have coverage from medical insurance to pay for the cost of an allergy test or the clinic you are using does not take your certain medical insurance for allergy testing, you can pay an “out-of-pocket” expense for the test, and get reimbursed from your insurance provider, or talk to the clinic to see if they provide financing available for such tests.