Geico Pet Insurance Review (2023)

GEICO Pet Insurance Review

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Geico Insurance is one of the largest insurance agencies in the United States, offering everything from homeowners to renters to car insurance. Recently, Geico began offering pet health insurance through Embrace Pet Insurance Agency, LLC. Embrace is a well-known and respected pet insurance provider that offers comprehensive accident and illness coverage, along with wellness rewards plans. 

In this Geico pet insurance review, we’ll cover the following: 

  • Pros and Cons of Geico Pet Insurance
  • Geico Insurance Plans, Coverage, and Costs
  • Deductibles
  • Preventative Care Limits
  • Coverage Exclusions
  • Plan Customizations
  • Discounts
  • Real Customer Reviews
  • Geico vs. Competitors
  • About Geico
  • Frequently Asked Questions

Our Review for Geico Pet Insurance

Every pet insurance provider has its pros and cons, so what are Geico pet insurance’s biggest benefits and shortcomings? Keep reading to learn more about where Geico pet insurance shines and falls short. Please remember that all pet insurance providers have pros and cons, so use this as a chance to see if Geico has any cons that are deal-breakers for you.

Pros and Cons of Geico Pet Insurance



  • Upper age limit of 14 years old — pets 14 years old or older can only be enrolled in accident-only plan options
  • No exotic pet insurance 

Geico Pet Insurance Plans and Coverage

Through Embrace, Geico offers a broad spectrum of pet insurance options, including accident-only, accident and illness, and wellness plan options. We’ll also discuss the average cost and typical coverage you can expect with Geico’s pet insurance plans. 

Geico Plans and Costs

Embrace is known for its extensive accident and illness coverage, and it easily provides some of the best illness coverage on the pet insurance market. Therefore, if you’re looking for accident and illness coverage, Geico is a wonderful option. 

On average, you can expect to pay around $50 for dogs and $23 for cats each month for accident and illness coverage. Through Embrace, Geico covers the following with its accident and illness pet insurance coverage: 

  • Breed-specific conditions
  • Emergency room and specialist care
  • Cancer treatment
  • Surgery, hospitalization, and nursing healthcare
  • Chronic conditions
  • Alternative therapies and rehabilitation
  • Congenital conditions
  • Prescriptions drugs
  • Dental treatments
  • Diagnostic testing and imaging, such as MRIs
  • Behavioral therapy
  • Orthopedic conditions coverage (after six-month waiting period for canines)

Samples of Prices for Four Species/Breeds

The following sample prices are based on a 3-year-old male dog or cat. Plans with preventative care are based on the $18.75 per month basic wellness plan.

Species/Breed Sample Price for Medium Mixed Breed Dog Sample Price for Golden Retriever (Dog) Sample Price for Domestic Shorthair Cat Sample Price for Domestic Mediumhair Cat
Accident and Illness Plan $40 $59 $23 $23
Accident and Illness Plan With Preventative Care $58 $79 $42 $42


Geico pet insurance can be customized with a deductible ranging from $200 to $1,000, which is a much wider range than many providers. Please keep in mind that the lower your deductible is, the higher your monthly premium will likely be, and vice versa. 

Preventative Care Limits 

A preventative veterinary care plan, or wellness plan, helps with the costs of routine care, such as vet visits, routine blood work, grooming, and much more. Embrace’s wellness plans are offered in three tiers, ranging from $18 to $35 to $52 per month. These plans will give you a $250, $450, or $650 annual coverage limit and cover a huge multitude of everyday costs. 

With a Geico/Embrace wellness plan, you’ll receive coverage for the following: 

  • Vaccinations and titers
  • Spay/neuter surgery
  • Flea, tick, and heartworm treatment
  • Microchipping
  • Routine fecal tests
  • Routine blood work
  • Grooming and training
  • Nutritional supplements

Coverage Exclusions

Like all pet insurance providers, Geico pet insurance does not cover pre-existing conditions, which are defined as any condition that your pet had before being on an active pet insurance plan with Geico. It also won’t cover the following: 

  • Breeding, whelping, or pregnancy
  • Injury deliberately caused by you or any other person or pet in your home
  • Injury or illness due to racing, fighting, cruelty, or neglect
  • Cosmetic procedures (tail docking, ear cropping, and claw removal, unless medically necessary)
  • DNA testing or cloning
  • Stem cell therapy, when not deemed medically essential

Plan Customizations 

Plan customizations help you choose how much coverage you want for your pet and will significantly affect your monthly premium. For example, selecting a higher deductible will often give you a lower monthly premium which may be necessary for a pet owner on a budget who doesn’t expect to submit many claims. Accident-only plans will also usually be less expensive. 

Through Embrace, Geico pet insurance offers many pet insurance customization options, including:

  • Accident-only, accident and illness, and wellness plan coverage options
  • Annual limits ranging from $5,000 to $30,000 (no lifetime limits) 
  • Reimbursement percentage choices of 70, 80, and 90%
  • Annual deductible choices ranging from $200 to $1,000 


Geico offers a 10% multi-pet discount and a 5% military discount when you enroll in an Embrace pet insurance plan. Pets that are spayed or neutered may also have lower monthly premiums. 

Geico State Availability

Geico pet insurance is offered in every state. 

Geico Pet Insurance Reviews

There are always positive and negative reviews for any pet insurance provider on the market. We’ve included the following reviews to give you a better idea of how various customers view Geico pet insurance. Please note that these reviews are pulled from Embrace pet insurance review pages because Embrace administers Geico’s pet insurance. 

“The Embrace claim process is simple, straightforward, and timely. I’m very pleased with the ease and the fact there’s no tough process to jump through to get claims submitted and processed.” —Jenise Jester, TrustPilot Reviews

“Getting this pet insurance was the best decision ever! I got it when I adopted my puppy thinking she’d get into stuff. Right when I was thinking of canceling it, BOOM! She needed emergency surgery, totally unpreventable too. They have an app so you can easily scan or upload invoice pdfs from your phone. They usually respond within 2 business days on any claim questions too. I have another dog that I rescued but since she was an adult, the cost of coverage and the lack of medical history wouldn’t make sense. I would recommend getting it ASAP for younger animals so there isn’t too much red tape when it comes to claims/approvals” —G, Facebook Reviews

“Terrible coverage. I never got anything back. I’ve decided to set aside the 125 dollars monthly payment for my dogs in case of an emergency.” —Chris, TrustPilot Reviews

“Embrace has been truly helpful and wonderful for our dog. The new claim uploading process has made everything so much easier. Customer service has always been great. My only complaint is that the premium has continued to increase.” —Sharron, Trustpilot Reviews

Final Thoughts 

We at 365 Pet Insurance hope this Geico pet insurance review gives you a nuanced, overall look at Geico’s pet insurance options provided through Embrace. As a whole, we find its coverage to be comprehensive, and we love that it allows for many plan customization options, a multi-pet discount, and has an A+ rating from the Better Business Bureau. On the other hand, we don’t love that Geico has an upper age limit for its accident and illness plan and an orthopedic conditions waiting period. 

Geico vs. Competitors

So, how does Geico compare to other pet insurance providers on the market? Take a look at the following table to assess whether Geico offers competitive features and has the most important features to you when choosing a pet insurance provider. 

Factors Geico Spot Lemonade Embrace Healthy Paws ASPCA
Quote Visit Site Visit Site Visit Site Visit Site Visit Site Visit Site
Our Score 4.1 4.9/5 4.8/5 4.7/5 4.6/5 4.5/5
Average Monthly Cost for Dogs $50 $30-$50 $37 $30-$40 $39 $49
Average Monthly Cost for Cats $23 $18-$25 $15 $15-$20 $12 $29
Waiting Period 2 days for accidents, 14 days for illnesses, 6 months for canine orthopedic events 14 days for accident and illness, 14 days for knee or ligament events 2 days for accidents, 14 days for illness, 6 months for cruciate ligament events 2 days for accidents, 14 days for illness, 6 months for orthopedic conditions 15 days for accident and illness, 12 months for hip dysplasia events 15 days for all accident and illness coverage
Multi-pet Discount  10% off 10% off 5% off 10% off No 10% off
Mobile App  Yes Yes Yes Yes Yes Yes
Wellness Add-on  Yes Yes Yes Yes No Yes
Online Chat  Yes No Yes Yes No Yes
BBB Rating A+ A F A+ A- N/A

About Geico 

Geico is one of the biggest insurance providers in the United States. To date, it offers many types of insurance, including homeowners, renters, property, auto insurance, and much more. Geico partnered with Embrace pet insurance to expand into pet insurance, a respected pet insurance provider known for its comprehensive accident and illness coverage. Together, both companies work to provide pet parents with more affordable yet comprehensive coverage for their pets. Currently, both companies have an A+ rating with the Better Business Bureau. 

Frequently Asked Questions

What are the advantages of Geico‘s pet insurance?

We love that Geico pet insurance offers a multi-pet discount, competitive prices, many customization options, and short waiting periods. Geico pet insurance also allows you to use Embrace’s mobile app to submit and track claims, update your pet insurance policy, and contact customer service, which is another significant benefit. 

How do I file a claim with Geico?

There are several ways you can file a claim with Geico. You can download Embrace’s claim form and choose to mail, fax, or email it to the appropriate department. However, the easiest way to file a pet insurance claim with Geico is to use Embrace’s mobile app, where you can fill out the claim information and easily attach a photo of your itemized vet bill. 

Does Geico offer exotic pet insurance? 

At this time, almost no pet insurance companies offer exotic pet insurance, including Embrace/Geico. 

Does Geico pet insurance cover dental?

Yes, Geico pet insurance covers dental accidents and dental treatments. It also covers dental cleanings through its wellness coverage. 

Does Geico pet insurance cover pre-existing conditions?

Geico pet insurance will not cover pre-existing conditions, which are any illness or condition your pet had before it was on an active Geico pet insurance plan. However, Embrace will cover “curable” pre-existing conditions that are treated and shown to be symptom-free for 12 months. An example of this could be a skin allergy or ear infection that is cured and symptom-free for a year. 

Does Geico pet insurance cover spaying?

Yes, Geico pet insurance does offer spaying and neutering surgery coverage through its wellness plan options. 

Our Methodology

The 365 Pet Insurance research team looks at all pet insurance policies and comes up with our reviews based on coverage, plan options, cost, reputation, customer service, and species eligibility. We’ve also created a rating system to score pet insurance brands.

We’ve consulted with pet experts and dug into plans to develop what we think are the best overall plans, complete with ratings on coverage, how they handle claims, reimbursements, deductibles, limits, and more.

To make our list, pet insurance companies must have:

  • A variety of plan options
  • Affordable monthly rates

Our team revisits each company’s information at the end of every month to make updates and ensure the information is as accurate as possible.