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Geico Pet Insurance Review: Best for Budget-Friendly Personalization

Overall Rating : 3 / 5

  • Name of Insurance Provider Geico Pet Insurance
  • Year of Establishment 1936
  • Key Features A- rating from BBB
  • Coverage Limits $30,000
  • Waiting Period 15 Days
  • Website www.geico.com/pet-insurance
  • Phone Number800-793-2003


All You Need to Know

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


  • Attractive discounts for neutering or spaying a pet
  • 10% off on your premium payments if you enroll multiple pets
  • Multiple plans for every budget 
  • Up to 90%  bill reimbursement


  • No coverage for pre-existing conditions 
  • No coverage for pre-existing conditions 

– If you’re on the lookout for a pet insurance that offers extensive customization but is also pocket friendly, Geico Pet Insurance is the one for you.

– They also offer upto 90% reimbursement although there is no unlimited coverage up for grabs.

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.


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. 


  • TreatmentIncluded in Plan?
  • AccidentsYes
  • Exam feesYes
  • Chronic ConditionsYes
  • Pre-existing conditionsNo
  • Hereditary ConditionsYes
  • Prescription MedicationsYes
  • VaccinationNo
  • HospitalizationYes
  • X-Rays, Blood Tests, UltrasoundsYes
  • Holistic CareYes
  • Preventive CareNo
  • Lab Tests, X-Rays and UltrasoundsYes
  • EmergenciesYes
  • 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.


overview of Geico Pet Insurance

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 Period

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!


Frequently Asked Questions

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 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.

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.


Meet Paul, a devoted dog dad to the delightful French Bulldog, Cofi. With a flair for humor and a deep understanding of Frenchie quirks, Paul brings a lighthearted touch to his writings. His relatable stories and practical insights are a blend of laughter and valuable advice and resonate with fellow dog owners.

Through his words, Paul aims to celebrate the joys and challenges of being a dedicated pet parent, reminding you that life is simply better with a four-legged, snorting sidekick by your side.