GEICO pet insurance Reviews

GEICO pet insurance is a service offered in partnership with Embrace Pet Insurance. While the GEICO pet insurance website provides basic pet insurance information, all policies and claims management are handled by Embrace. Embrace has provided pet insurance since 2003 and offers customizable plans for accidents, illnesses and more.

When you purchase a plan through GEICO, you receive identical coverage to what’s available directly from Embrace — including the same policy terms, conditions and benefits.

GEICO pet insurance doesn’t manage pet policies or claims. Instead, it directs you to Embrace’s quoting platform, where you can choose from customizable coverage options. Embrace covers a wide range of treatments, including surgeries, diagnostic tests, cancer treatments and alternative therapies such as acupuncture and physical therapy. The program offers a 10% discount for multipet households and 5% off for active military and veterans. You can also add coverage for exam fees and prescription drugs to help offset vet costs.

GEICO pet insurance via Embrace offers accident-and-illness protection that lets you choose your reimbursement percentage, deductible and annual limit. Coverage options include:

• Annual reimbursement limits range from $2,000 to an unlimited amount
• Annual deductibles range from $100 to $1,000
• Reimbursement percentages of 70%, 80% or 90%

Accident-and-illness coverage details

Add-on coverage options include:

• Exam fees add-on: Reimburses veterinary exam fees for covered accidents and illnesses
• Prescription drugs add-on: Helps cover the cost of medications such as insulin, chemotherapy drugs, antibiotics and pain relievers

The average annual GEICO premium cost through Embrace insurance premium per pet is $494, according to Amber Batteiger, communications manager at Embrace. Costs depend largely on the annual limit, deductible, reimbursement percentage and add-ons chosen. According to Batteiger, other factors that impact cost are:

• Pet’s age: Older pets often have higher premiums.
• Pet’s breed: Certain breeds may have higher premiums because they are predisposed to certain health issues.
• Location: The cost of veterinary care varies by region, so premiums reflect the average cost of care in the area in which you live.
• Policy type: Whether you select a comprehensive accident-and-illness plan or accident-only coverage affects the price.

The following table outlines a sample quote for a 2-year-old male golden retriever in New York (zip code 10004). Pricing is accurate as of publication.

Sample pricing for GEICO pet insurance

In addition to accident-and-illness coverage, Embrace offers an optional Wellness Rewards program. This add-on helps cover routine care costs such as exams, vaccines, grooming and preventive treatments like flea, tick and heartworm prevention.

Pricing for the Wellness Rewards program, regardless of other selections, is listed as follows as of publication:

• $300 annual reimbursement for $22.92 per month
• $500 annual reimbursement for $39.58 per month
• $700 annual reimbursement for $56.25 per month

Overall, GEICO pet insurance is a good option for pet owners seeking comprehensive coverage, but it's most worthwhile for those with pets that require regular care or face higher medical expenses. Customers who want help managing routine care costs, such as exam fees and prescription drugs, may find value in adding a wellness plan for an additional fee.

However, since GEICO customers receive the same service as those who purchase coverage directly from Embrace, there’s no distinct advantage to buying a policy through GEICO.