GEICO pet insurance

Most pet owners love their dog or cat so much that their social media accounts are basically just pictures of their animals doing something cute. If your furry friend were to get sick or injured, you would probably be devastated and go to great lengths to make sure your pet got better quickly, right? Here we will discuss GEICO pet insurance.

Pet insurance covers pet care costs so you don’t have to think about your bank account balance when making decisions about your animal’s health. This gives you peace of mind and helps significantly in the event your dog or pet experiences a medical emergency.

Therefore, we have decided to do this review on GEICO pet insurance, in which we will show you all the details you need to know.

Note: GEICO Pet Insurance is administered by Embrace Pet Insurance Company.

age restrictions Minimum of 6 weeks, maximum of 15 years at the time of enrollment
monthly premiums As low as $15 per cat and $10 per dog
Deductible Choice of deductible from $200 to $1,000.
benefit limit $5,000 to unlimited annually

in this review

GEICO Pet Insurance Overview

One important thing to know about GEICO pet or dog insurance is that it is actually managed through Pet Insurance Agency Embrace, LLC.

GEICO pet insurance offers comprehensive coverage with optional wellness rewards. Customers can choose their annual maximum, deductible and reimbursement percentage, allowing them to affordably customize the policy to best suit their needs and situation.

Pros and Cons of GEICO Pet Insurance


  • Relatively cheap. The biggest benefit of GEICO dog or pet insurance is its price. It is a relatively inexpensive policy compared to many other pet insurers on the market.
  • There are many discounts available. GEICO offers multiple discount opportunities, such as when you insure more than one pet, when you have pets that have been spayed or neutered, when you pay for insurance in a lump sum, or if you are a member of the military, or when you enroll in online payment.
  • Wellness coverage options. Not all pet insurance companies offer wellness coverage, so it’s a great benefit if you want coverage for things like spaying and neutering, vaccinations, routine vet visits, dental cleanings, and preventive care.
  • It is possible to receive coverage for alternative therapies. GEICO pet insurance may cover alternative therapies such as acupuncture, physical therapy, reiki and chiropractic care, some of which other pet insurance providers exclude.


  • You must pay the veterinary expenses in advance. Although the process is relatively simple, it can take up to two weeks to receive a refund after submitting a claim. This can be a major disadvantage, as depending on the size of the vet bill, not everyone will have enough money to pay it on the spot.
  • Some waiting periods. There is a six-month waiting period if your pet has ligament or orthopedic problems. Since there are insurers that do not have waiting periods, GEICO may not be the best option for you.

What does GEICO pet insurance cover?

GEICO/Embrace offers a lot of variety in their plans, which is advantageous if you want the option of paying a lower monthly amount with a higher deductible.

One thing to keep in mind, if you want to “move up” and get a better policy in the future, is that you’ll need to recertify, which means any condition your pet has been treated for will be considered a pre-existing condition.

Therefore, our advice is to get the best policy you can from the beginning.

Annual Limit Options $5,000, $8,000, $10,000, $15,000 and $30,000
annual deductible $200, $300, $500, $750, $1000
Refund 70%, 80%, 90%

Now, the quote will vary depending on where you live, the type and size of the animal you insure, if you have more than one pet (they offer a 10% discount for multiple pets) and the Wellness Rewards at $250, $450 and $650 year.

If you have a puppy, the more Wellness Rewards will work out better because that year you have the most spending with shots, tests, visits and more. Wellness Rewards work with a benefit program where Embrace/GEICO will pay up to a certain amount for certain visits to the vet. Here are some of the wellness options you can take advantage of.

  • Exam fees
  • grooming
  • Vaccination
  • Medications for fleas, ticks and heartworms
  • fecal tests
  • microchip
  • Spay, neuter, and more


GEICO/Embrace has a maximum annual limit that is different from other companies, but their highest pick is $30,000, which pet owners can’t reach in a situation where the animal can be saved through care. vet.


GEICO/Embrace offers a variety of annual deductibles that are great for pet parents who want to spend less per incident, to those who prefer to pay more monthly. When you get a quote, manipulate the numbers in the widget to see what works best for you. They even tell you which option is the most popular to help you make your decision.


GEICO/Embrace does not cover pre-existing conditions unlike most pet insurance companies, so if you file a claim for something that is considered pre-existing, it will be denied. Fortunately, you can get a Medical History Review right when you sign up (see below for more details), and GEICO/Embrace also differentiates between curable and incurable conditions. If your pet remains symptom-free for 12 months after diagnosis, they will reassess their coverage.

waiting periods

GEICO/Embrace has waiting periods like all other pet insurance companies. The reason is that people don’t wait for their pet to get sick to buy insurance. After all, you can’t get auto insurance after you’ve been in an accident. In the case of GEICO/Embrace, the waiting period is 48 hours for accidents, 14 days for illnesses, and 6 months for orthopedic conditions.

Mandatory visit to the vet

If your pet hasn’t been seen in the last 12 months, you’ll need to make a vet visit within the first 14 days of signing your policy, or you could violate the terms and conditions of your policy.

Other cool stuff we liked

GEICO/Embrace offers a free medical history review after buying your policy. In this case, they will review the veterinary records and determine if they believe your pet has any pre-existing conditions. If you don’t like what you see and you no longer think it makes sense to have that specific policy, you can cancel it within 30 days for a full refund.

Healthy Pet Deductible

GEICO/Embrace offers a healthy pet deductible for those pet parents who do not file a claim. Every year that you don’t file a claim, your deductible will be reduced (lowered) by $50. For example, if you have a $200 deductible and you don’t file a claim in the first year, your deductible thereafter will be $150, which means you only have to pay $150 toward your deductible if you file a claim. And once you file a claim, the deductible will reset.

Stacking Discounts

The pet insurance industry is evolving, and stacking discounts is one way to take advantage of this progress. Today, you can receive discounts on many things with GEICO/Embrace, and you can even stack some of these. Some discounts include:

  • military discount
  • For multiple pets
  • for employees
  • ACH Discount
  • Annual pay discount
  • In spay/neuter

How much does GEICO pet insurance cost?

The cost of your plan will depend on several different factors, including things like the amount of coverage, the deductible you choose, the type and breed of pet, as well as the area where you live.

In this order of ideas, monthly premiums vary but can increase considerably depending on the age of your furry companion. Plus, you’ll also pay more for wellness coverage, which has no copay or waiting period.

Where is GEICO pet insurance available?

The sure GEICO Pet Supplies is available in all 50 states and the District of Columbia.

What is GEICO pet insurance customer service like?

In general, GEICO pet insurance reviews tend to be satisfactory.

You can contact GEICO customer service by phone at 1-800-793-2003. Hours are 8:30 am to 8:00 pm ET Monday through Friday, and 9:00 am to 1:00 pm ET on Saturday.

In conclusion

Ultimately, GEICO offers a relatively good option for the sure If you want it, it’s an affordable plan with the option to have routine care covered. However, depending on your pet, it may not cover all of your health care needs, so do your research carefully before making your final decision.

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