GEICO Pet Insurance Review
GEICO pet insurance gives dogs and cats accident and illness coverage. You can also choose accident-only policies, plus an optional wellness add-on.
- Your deductible choices each year: $100 to $1,000.
- Your yearly payout cap is $2,000 or unlimited.
- Choose a reimbursement share of 70%, 80%, or 90%.
- Illness: the waiting period is 14 days.
- Accident: the waiting period is 2 days.
- Covered costs include exam fees.
- Age limit to join: No upper age limit.
- Wellness add-on offered: Yes.
Sources: Cat Insurance: Coverage, Cost, and Plans | GEICO, Compare ASPCA® Pet Health Insurance plans vs. Geico Plans, GEICO pet insurance customer reviews
A licensed insurer of American Modern Insurance Group, Inc. underwrites every policy. American Modern Home Insurance Company is among them, as is American Southern Home Insurance Company. The GEICO Insurance Agency manages and services the plans with a partner agency.
Plans return 70% to 90% for covered bills. After a vet visit, that percentage is your reimbursement share. The waiting period is how many days pass after you buy a policy before your coverage begins. For new policies, the waiting period of 2 days applies to accidents, and illnesses have a waiting period of 14 days.
GEICO pet insurance plans and cost
One published example prices GEICO cat insurance at $15 to $45 per month under an accident and illness policy. That range comes from one published example about a cat, and it isn't what every pet typically costs. Your monthly cost depends on where you live, the breed, sex, and age of your pet, and the coverage settings you select.
These options let you adjust your policy:
- Annual deductible: $100 to $1,000 yearly, the amount you pay yourself before your plan starts paying.
- Choose a reimbursement rate of 70%, 80%, or 90% for covered veterinary expenses.
- Annual limit: Choices begin at $2,000 and can rise to an unlimited payout; this caps the policy's yearly payments.
- Multi-pet discount: Insure more than one pet and you get a 10% discount.
You can buy Plans in the United States and Canada, though some states may not offer coverage. For routine care, you can also add a wellness plan (Wellness Rewards isn't available in Rhode Island).
Coverage and exclusions from GEICO
Standard GEICO dog insurance, along with cat plans, helps pay for unexpected injuries and sicknesses. Covered care depends on your policy type and includes:
- Exam fees: Veterinary examination charges for accidents and illnesses that fall under coverage.
- Hereditary and genetic conditions: Health problems a pet inherits from its parents.
- Alternative therapies: Treatments include acupuncture, physical therapy, and rehabilitation.
- Dental illness: Coverage for dental illnesses is limited, and routine dental cleanings need the wellness add-on.
Your policy also names particular treatments and situations it doesn't cover:
- Pre-existing conditions: Any illness or injury affecting your pet before coverage started, or present during the waiting period.
- For routine care, preventive visits and regular teeth cleanings need the wellness add-on for coverage.
- Cosmetic procedures: Any procedure aimed at appearance, unless it is medically necessary.
- Restricted activities and neglect: The policy excludes injuries or illnesses caused by intentional injury, cruelty, neglect, racing, or fighting.
GEICO age limits and waiting periods
Puppies and kittens can join a policy starting at 8 weeks old. There's no upper age limit for older dogs and cats.
After you enroll, coverage begins after the 2-day wait for accidents and 14-day wait for illnesses. Any injury or sickness that appears during those waiting days is treated by the plan as a pre-existing condition, so it is excluded.
GEICO reimbursement and claims
The insurer doesn't send payment directly to vets. You pay the vet upfront at the clinic, then file a claim to recover your share.
Use the mobile app or online member portal to submit claims and follow their status. Approved claims may be paid back in as little as a few days.
GEICO: who it may suit
GEICO animal insurance can be a good fit if your pet is a senior, because enrollment has no upper age limit. This plan also suits pet parents who'd like exam fees covered, along with inherited and genetic conditions and acupuncture, physical therapy, and rehabilitation treatments.
To avoid paying upfront, you might prefer another insurer whose plan pays the vet clinic directly. If you want a plan covering pre-existing conditions for your pets, or a wellness add-on as a Rhode Island resident, you'll need another option.
Common questions
Is it worth getting GEICO pet insurance?
Two things shape whether a plan fits: your pet's health history, and how comfortable you are paying vet bills upfront and then seeking reimbursement. Policies cover exam fees and genetic conditions, and give you the option of unlimited annual limits. Routine care and dental cleanings, though, need an extra wellness add-on.
Is coverage for pre-existing conditions included with GEICO pet insurance?
No, such conditions are excluded. An injury or illness that began before coverage started can't be reimbursed. Conditions are also excluded if they appear during a waiting period, whether the 2-day accident period or the 14-day illness period.
What's the process for getting a GEICO pet insurance quote?
GEICO and its partner pet insurance agency let you request a quote online. Pricing changes with your location and the breed, sex, and age of your pet. It also depends on the choices you make for deductible, reimbursement rate, and annual limit.
Terms for GEICO plans
| Term | Plan terms |
|---|---|
| Pets covered | Dogs and Cats |
| Plan types | Accident and illness, Accident only, Wellness add-on |
| Underwriter | A licensed insurer within the American Modern Insurance Group, Inc. family, such as American Southern Home Insurance Company or American Modern Home Insurance Company |
| Plans offered through | Embrace Pet Insurance Agency, LLC (GEICO Insurance Agency has a partnership with Embrace) |
| Deductible options | Your deductible choices each year: $100 to $1,000. |
| Deductible type | Annual |
| Reimbursement options | 70%, 80%, or 90% |
| Yearly limit choices | $2,000 or unlimited |
| Wait before accident cover | 2 days |
| Illness waiting period | Illness: the waiting period is 14 days. |
| Youngest age to enroll | 8 weeks |
| Oldest age to enroll | No upper age limit |
| Exam fee cover | Covered |
| Pre-existing conditions | Illnesses or injuries that affected your pet before coverage started, or during its waiting period, are not covered |
| Hereditary and congenital conditions | Covered |
| Dental illness | Limited |
| Alternative therapy | Covered |
| Wellness add-on | Covered |
| Multi-pet discount | 10% discount |
| Pays the vet directly | No |
| Claim payment speed | Reimbursed as quickly as a few days |
| Claims app | MyEmbrace mobile app and MyEmbrace online member portal |
| Where it is sold | Available in the United States (Wellness Rewards isn't available in Rhode Island); some states may not offer coverage. |
Sources: Cat Insurance: Coverage, Cost, and Plans | GEICO, Pet Insurance for Dogs & Cats - Trusted Pet Health Insurance | GEICO, GEICO pet insurance customer reviews, Dog Insurance: Coverage, Cost, and Plans | GEICO
Pros
- Hereditary and genetic conditions are covered.
- There's no upper age limit when enrolling a pet.
- Acupuncture, physical therapy and rehabilitation are covered.
Cons
- The vet isn't paid directly; you pay first, then claim your share back.
- Coverage doesn't include pre-existing conditions.
- Routine dental cleanings are excluded unless you buy the wellness add-on.
Request a price quote for your pet
We do not sell insurance, and we neither quote nor bind it; your request is sent to an insurance agency.
Other insurers included in our comparisons
| Insurer | Monthly, dog | Monthly, cat | Accident wait | Oldest age to join |
|---|---|---|---|---|
 | $30 to $59 a month | $14 to $23 a month | No wait | No upper age limit |
 | $30 a month | $14 a month | 1 day | No upper age limit |
 | $32 to $157 a month | $20 to $107 a month | 3 days | No upper age limit |
 | $32 a month | $15 a month | 14 days | No upper age limit |
 | $35 a month | $17 a month | 14 days | No upper age limit |
 | $36 to $99 a month | $23 to $51 a month | 5 days | No upper age limit |
 | $39 a month | $19 a month | 14 days | No upper age limit |
 | $39 to $69 a month | $19 to $35 a month | No wait | No upper age limit |
 | $39 a month | $19 a month | 14 days | No upper age limit |
 | $43 a month | $19 a month | 14 days | Before age 9 |