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Insurance Pet Insurance

GEICO Pet Insurance Review

Note: GEICO Pet Insurance is administered by Embrace Pet Insurance. When clicking to get a quote on GEICO’s website, we were redirected to the Embrace application. For this reason, we decided to focus this review on the Embrace product. Embrace is a partner of ours and may compensate us when you click a link on this page.

on Embrace’s secure website
Editorial Rating

Editorial Rating

What we like:

Short waiting period for orthopedic conditions

Age RestrictionsMinimum 6 weeks old, maximum of 14 years at enrollment
Reimbursement70%, 80%, or 90%
DeductibleChoice of deductible from $100 to $1,000
Benefit Limit$5,000, $8,000, $10,000, $15,000, or $30,000
See how Embrace stacks up against other pet insurance companies

Most pet owners love their dog or cat so much that their social media accounts are basically only pictures of their animals doing something cute. If their furry friend were to get sick or injured, they’d likely be devastated and do anything they could to make sure their pet got better quickly. Right?

That’s why getting pet insurance is so important. It covers the costs of pet care so that you don’t have to think about your bank account balance when you’re making decisions about the health of your pet. That gives you peace of mind and helps significantly in the event your pet experiences a health crisis.

This GEICO pet insurance review will show you what you need to know.

In this review:

GEICO Pet Insurance Overview

One important thing to know about GEICO Pet Insurance is that it’s actually serviced through Embrace Pet Insurance.

GEICO pet insurance provides comprehensive coverage with optional wellness rewards. Customers can choose their annual maximum, deductible, and reimbursement percentage, allowing you to customize an affordable policy that best meets your needs.

Pros & Cons of GEICO Pet Insurance


  • Relatively cheap

    The biggest benefit of GEICO pet insurance is its price. It’s a relatively cheap policy compared to many other pet insurers on the market.

  • Many discounts available

    GEICO offers multiple opportunities for discounts, such as when you’re insuring more than one pet, when you have pets that have been spayed or neutered, when you pay for your insurance in a lump sum, if you’re a military serviceperson, or when you enroll in online payment.

  • Options for wellness coverage

    Not all pet insurance companies offer wellness coverage, so that is a huge benefit if you want coverage for things like spaying and neutering, vaccines, routine vet visits, dental cleaning, and preventative care.

  • Can cover alternative therapies

    GEICO pet insurance can provide coverage for alternative therapies like acupuncture, physical therapy, reiki, and a chiropractor, some of which other pet insurance providers exclude.


  • Must pay for vet expenses upfront

    Although the process is relatively simple, it can take up to two weeks to receive your reimbursement after submitting a claim. Depending on the size of your vet bill, not everyone will have access to enough cash to pay for it in full immediately.

  • Some waiting periods

    There is a six-month waiting period if your pet has ligament or orthopedic issues. Since there are insurers who may have no waiting periods, GEICO might not be the best choice for you.  

What Does GEICO Pet Insurance Cover?

GEICO pet insurance covers a number of common conditions and health issues, including:

  • Breed-specific conditions
  • Cancer treatment
  • Diagnostic testing and imaging (e.g. X-ray, Ultrasound, MRI)
  • Surgery, hospitalization, and nursing care
  • Alternative therapies and rehabilitation
  • Specialist care
  • Emergency room care
  • Veterinary exam fees
  • Prescription drug coverage (optional)

You can also add wellness coverage for an additional fee. All breeds of dogs and cats are covered.

Like all pet insurance providers, it does not cover pre-existing conditions.

Ready to sign up on Embrace’s website? Get a free quote in a few minutes here.

How Much Does GEICO Pet Insurance Cost?

The cost of your plan will depend on a number of different factors, including things like the amount of coverage, deductible chosen, pet type and breed, and geographic area.

Monthly premiums vary but can go up significantly depending on the age of your pet. You will also pay more for wellness coverage. Your wellness coverage has no deductible, co-pay, or waiting period.

You can get a quote on Embrace’s site to see what different coverage levels will cost you.

Where is GEICO Pet Insurance Available?

GEICO pet insurance is available in all 50 states and the District of Columbia.

How is the Customer Service for GEICO Pet Insurance?

GEICO pet insurance reviews tend to be satisfactory overall.

You can contact GEICO customer service via phone at 1-800-793-2003. Hours are 8:30 am. to 8:00 p.m. ET Monday through Friday and 9:00 a.m. to 1:00 p.m. ET on Saturday.

Bottom Line

Ultimately, GEICO offers a relatively good option for pet insurance if you want an affordable plan with the option to get routine care covered. Depending on your pet, though, it may not cover all their health care needs, so shop around carefully before making your final decision.

You might decide you want to pay a little more for better pet health coverage elsewhere. Check out our Best Pet Insurance Companies page to see our top picks. If you want to learn more about a specific company, check out our list of pet insurance companies to find a review.

As mentioned above, GEICO pet insurance is offered through Embrace. If you are ready to get a quote, you can learn more about Embrace by clicking below.

  • Benefit Limit: $5,000, $8,000, $10,000, $15,000, $20,000 or $30,000
  • Deductibles: $200, $300, $500, $750, or $1,000
  • Reimbursement: 65%, 70%, 80%, or 90%