HomeGuidesGeico Pet Insurance Review: Best for Budget-Friendly Personalization

Geico Pet Insurance Review: Best for Budget-Friendly Personalization


Geico is one of the best in the business when it comes to pet insurance. If you are curious to know more about Geico and its pet insurance plans, here’s a complete Geico Pet Insurance Review.

Name of Insurance ProviderGeico Pet Insurance
Year of Establishment1936
Key FeaturesA- rating from BBB
Coverage Limits$30,000
Waiting Period15 Days
Phone Number800-793-2003 


One of the oldest insurance companies, Geico was established in 1936, originally as an auto insurance provider. The company later diversified and expanded its business and is now selling insurance for pets. It was only recently that Geico partnered with Embrace Pet Insurance to provide great pet insurance policies at pocket-friendly prices. 

All pet insurance policies offered by Geico come with excellent, reliable customer service and guaranteed financial assistance. 


Pros Explained

Here are a few advantages of Geico Pet Insurance and why it’s an ideal choice for you and your pet:

  • SPECIAL DISCOUNTS: Unlike most pet insurance companies, Geico provides attractive discounts for neutering or spaying a pet. If you enroll multiple pets with Geico, you get up to 10% off on your premium payments. 
  • BUDGET-FRIENDLY: Geico offers pocket-friendly plans and that’s especially useful if you’re on a shoestring budget but still want a great insurance plan for your pet. It also offers exclusive, high-end plans for people who wish to add more benefits and features to their plans. 
  • REIMBURSEMENT: You can get up to 90% of your total veterinary bill reimbursed with Geico Pet Insurance. 

Cons Explained

On the other hand, there are a few disadvantages associated with Geico Pet Insurance.

  • LIMITED BENEFITS: It’s important to keep in mind that the annual benefits offered by Geico Pet are not unlimited.
  • PRE-EXISTING CONDITIONS: Wondering, Does Geico pet insurance cover pre-existing conditions? Sadly, like most other pet insurance companies, Geico Pet Insurance doesn’t cover pre-existing conditions. 
  • PLANS: Geico Pet offers only a single plan for policyholders.

What Does Geico Pet Insurance Cover?

Geico Pet Insurance, in collaboration with Embrace Pet Insurance, offers you some of the most customizable and elaborate plans that cover an array of services for cats and dogs. From accidents to illnesses, to dental checkups, Geico Pet covers it all. 

TreatmentsIncluded in Plan?
Exam feesYes
Chronic ConditionsYes
Pre-existing conditionsNo
Hereditary ConditionsYes
Prescription MedicationsYes
X-Rays, Blood Tests, UltrasoundsYes
Diagnostic TreatmentYes

Also Read: Dog Vaccine Shots: A Complete Guide

What’s Included?

Here are some of the treatments and procedures that are included in a Geico Pet insurance plan:

  • Procedures
  • Lab tests
  • Genetic conditions
  • Holistic care
  • Dental treatments
  • Accidents
  • Cancer
  • Illnesses

If you opt for a wellness plan alongside the general plan, the costs for the following conditions are also covered:

  • Spay surgery
  • Neuter surgery
  • Behavioral treatment
  • Preventive care
  • Cremation
  • Microchipping

What’s Not Included?

Does Geico pet insurance cover vaccinations? It does not. In addition, if the pet needs to be euthanized as per the vet’s recommendations, Geico reserves the right to stop providing coverage. 

Available Plans

Geico offers a flexible plan to its customers which can be customized according to their needs and requirements. Pet owners can choose between three reimbursement prices and can also add a wellness plan. Interestingly, the plan can be customized in more than 300 ways depending on the preventive care options and services you choose for your pet. 

Plan Pricing 

Let’s start with: how much does Geico pet insurance cost? Being a budget-friendly insurance policy, the plans start from as little as $1.

Yes, you read that right.

Securing your pet’s future doesn’t need to be expensive. Low deductible insurance plans are more on the affordable side as opposed to a high deductible plan. 

Pre-Existing Conditions

Similar to other pet insurance companies, Geico isn’t liable to pay charges or cover the cost of a treatment connected with a pre-existing condition that your pet may have. 

Coverage Limits 

The coverage limit starts from $5,000 and goes as high as $30,000. No unlimited annual benefits are offered, which is a major drawback with Geico Pet. 


All claims are filed directly to Embrace Pet Insurance – the team that administers Geico Pet. You can file the claim online through Embrace’s mobile application or official website. The claims take up 10 to 15 days to get reviewed, and another 3 to 10 days to reimburse the amount.

waiting period

Waiting Periods

The waiting period varies according to the treatment or procedure for which you’ve submitted your claim. 

The waiting period for accidents is 2 days. For illnesses, the waiting period is 14 days. 

In the case of orthopedic conditions, the policyholder has to wait for up to six months after signing up for a policy to file a claim. 


Geico Pet Insurance offers the best plan for pet owners who have a limited budget but are seeking a reasonably good insurance plan for their pets. 

Geico Pet understands your worries as a pet owner, and offers some of the best plans, provides substantive information, and great customer service! 


Is Geico Pet Insurance Good? 

To say that Geico Pet insurance is good would be an understatement. Considering all the benefits it has to offer to its customers, its attractive portfolio, and its commitment toward helping pets, this is by far one of the best insurance plans to opt for. 

What is the Cancellation Policy of Geico Pet Insurance?

If you’re not satisfied with the plan and their overall services, all you need to do is reach out to a Geico representative on the phone and request for cancellation. Keep in mind that no cancellation fees will be applicable. 

What Does Geico Pet Insurance Not Cover?

Geico Pet Insurance does not cover the cost of pre-existing conditions. It also doesn’t cover the cost of vaccinations for your pet. 

Paul Andrewshttps://www.linkedin.com/in/paul-andrews-172490189/
A digital marketing expert by profession, Andrews is a gifted writer and animal lover at heart. A self-confessed "pawrent", Andrews is well-versed in all things dogs. He uses his years of experience of raising puppies into show quality dogs to help guide first time pet parents. He believes in spreading the joy that comes with being a dog dad and advocates more families to adopt pets.


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