GEICO Pet Insurance Reviews: How It Stacks Up (2026)

GEICO offers pet insurance through Embrace, a company that specializes in comprehensive coverage for a wide range of accidents and illnesses. Plans are customizable, with a variety of deductible and reimbursement options, coverage add-ons, and an optional wellness plan.

But GEICO may not be the best option for your furry friend, especially if you need a budget-friendly insurance policy. Learn more about GEICO’s pet insurance coverage, cost, and customer service so you can decide if it’s the right choice for your dog or cat.

GEICO pet insurance: Our verdict

How much does GEICO pet insurance cost?

Your monthly pet insurance costs depend on your pet’s species, breed, age, location, and the type of plans and add-ons you choose.^[1]

To give you an idea of typical costs, Insurify’s editors pulled sample quotes for the accident and illness policy and wellness plan that GEICO offers through Embrace.

For dogs, accident and illness coverage costs $52 per month, on average. For cats, base accident and illness coverage costs $36 per month.

Policy Type	Monthly Quote for Dogs	Monthly Quote for Cats
Accident and illness policy	$52	$36
Exam fees add-on	$6	$4
Prescription drug coverage	$6	$4
Wellness Rewards up to $250 per year	$19	$19
Wellness Rewards up to $450 per year	$35	$35
Wellness Rewards up to $650 per year	$52	$52

*Quotes are based on a $15,000 annual limit, a $500 deductible, and an 80% reimbursement rate. Quotes for dogs are for a medium-sized 2-year-old mixed-breed male dog living in Hartford, Connecticut. Quotes for cats are for a 2-year-old female American shorthair cat living in Hartford, Connecticut.

GEICO pet insurance plans and coverages

GEICO offers a couple of coverage options through Embrace: accident and illness coverage and a wellness plan that covers routine care.

It’s worth noting that Embrace also offers an accident-only plan for pets 15 and older. But if you go through GEICO to purchase coverage, the accident-only plan might not be available to you.

Accident and illness plan

GEICO’s accident and illness plans through Embrace cover any veterinary care required to treat a wide range of unexpected accidents and illnesses, including:

• Broken bones

• Cancer

• Chronic conditions

• Dental illness and trauma

• Foreign body and toxic ingestion

• Genetic and congenital conditions

• Orthopedic conditions

• Respiratory infections

When your dog or cat needs veterinary care for a covered condition, GEICO will cover hospitalization, surgeries, lab tests, diagnostic tests, biopsies, and even physical therapy and some alternative treatments, like acupuncture and chiropractic. You can also buy additional coverage for exam fees and prescription drugs for an additional premium.

Wellness Rewards

GEICO offers wellness coverage that you can add to an accident and illness policy through Embrace. Unlike plans from most other pet insurance companies, which have annual caps on specific services, GEICO wellness plans offer an annual reimbursement limit that pet owners can use for a variety of routine care services. The plan allows pet parents to pay over time and save $25 per year.

Covered services include:

• Cremation or burial

• Grooming

• Nutritional supplements

• Preventative medications

• Spay or neuter surgery

• Training

• Vaccinations

• Wellness exams

What GEICO pet insurance doesn’t cover

GEICO pet insurance policies cover a wide range of accidents and illnesses, but they also have some important exclusions, such as:

• Boarding, including medical boarding

• Injuries or illnesses due to abuse, neglect, fighting, racing, or professional work

• Pre-existing conditions with symptoms that appeared before or during the waiting period, except for curable conditions, which are covered after your pet is symptom-free for 12 months

• Preventative care, unless covered under a wellness plan

• Some alternative treatments, such as Reiki and massage

• Vaccine-preventable illnesses that your pet didn’t receive vaccines for

See your policy for a complete list of treatment exclusions.

GEICO pet insurance vs. competitors

When you’re shopping for pet insurance, it’s important to compare multiple companies to find the best fit for your budget and needs.

The table below shows how GEICO stacks up against its competitors.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. N/A Insurify does not have data available at this time	Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90%	Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–100%	Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 80%–90%	Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90%
Payout limits The maximum amount your provider will pay for covered events. N/A Insurify does not have data available at this time	Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited	Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited	Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited	Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited
Deductibles The amount you must pay towards a covered event before your coverage kicks in. N/A Insurify does not have data available at this time	Deductibles The amount you must pay towards a covered event before your coverage kicks in. $50–$1,000	Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750	Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000	Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$500
Curable pre-existing conditions Pre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. Not covered	Curable pre-existing conditions Pre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. Covered	Curable pre-existing conditions Pre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. Covered	Curable pre-existing conditions Pre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. Covered	Curable pre-existing conditions Pre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. Covered

Data in this table has been sourced from Insurify users who received a pet insurance quote from our partner Fletch.

Is GEICO pet insurance worth it?

An emergency vet bill for wound care or emergency surgery can cost thousands of dollars, as can treatment for a chronic condition such as cancer.^[2] If you wouldn’t be able to afford veterinary treatment for your pet, it’s likely worth buying a pet policy for peace of mind.

GEICO offers a comprehensive plan that pays for most treatments, including emergency care. But it’s a good idea to compare rate quotes from other pet insurance companies before choosing GEICO, especially if you don’t need every type of coverage included in GEICO’s plans, since the company charges relatively high premiums.

For example, if your pet has pre-existing dental issues, GEICO won’t cover dental services related to an illness. You may pay less for a policy that doesn’t include dental illness coverage.

If you don’t have access to a high-limit credit card or sufficient savings, you may also want to check out pet insurers that offer direct pay, since it may take up to 15 business days to receive reimbursement from Embrace. Also, consider GEICO’s reputation for customer service when deciding whether to purchase from GEICO or Embrace.

GEICO pet insurance FAQs