Geico, founded in the 1930s, partners with Embrace to offer pet insurance for dogs and cats across all 50 U.S. states. It provides accident, illness, and accident-only policies, with an optional Wellness Plan (for an additional fee), offering coverage for routine pet care.
When choosing pet insurance with Geico, you will be directed to the Embrace site, where policyholders can submit claims via the site or app. There are no restrictions on which licensed veterinarian customers use for treatment.
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What does Geico pet insurance cover?
Geico pet insurance provides what it describes as ‘nose-to-tail’ coverage for accidents and illnesses, with both dog insurance and cat insurance policies available. This coverage includes:
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Chronic health conditions
Long-term illnesses that develop after the policy is in place, such as arthritis, diabetes, allergies, and more. -
Cancer
Geico provides coverage for cancer, from the initial consultation and examination to diagnosis and treatment options. Coverage includes chemotherapy, radiation therapy and surgery. -
Preventable conditions
Preventable illnesses, such as Lyme disease, and parasite infestations, can still be covered for treatment even if they could have been avoided. -
Orthopedic conditions
Geico provides coverage for orthopedic conditions including ligament tears, fractures, broken bones, and hip/elbow dysplasia — unless these are pre-existing. -
Breed-specific, congenital and genetic conditions
Breed-specific, genetic or hereditary conditions can include patellar luxation, heart disease, intervertebral disc disease (IVDD) and Polycystic Kidney Disease. -
Dental illnesses and injuries
Accident and illness policies include coverage for dental illnesses up to $1,000 per policy period— periodontal disease, root canal surgery, gingivitis and tooth extraction — and accidental damage such as fractured and chipped teeth.
Additional pet insurance cover from Geico
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Complementary treatments and rehabilitation
Acupuncture, chiropractic, hydrotherapy, physiotherapy and therapeutic laser treatment are covered complementary treatments, if carried out under the direct supervision of a veterinarian. -
Emergency care
Coverage for emergency care and urgent medical attention if your pet needs it. This includes after hours visits to any licensed vet. -
Hospitalization and surgery
Expenses for overnight hospital stays, including X-ray, MRI, Ultrasound, surgery and nursing care. -
Specialist care
Coverage for support beyond the expertise of your usual vet, which can include specialists such as radiologists, oncologists and orthopedic specialists. -
Diagnostic testing
Coverage includes testing that might be required to help provide a diagnosis for covered conditions, such as biopsies, blood tests and urinalysis. -
Prescription drugs
Geico provides coverage for the expense of purchasing any prescription medication, for covered conditions, as authorized by a licensed vet. This is available as an option to a pet insurance policy.
Does Geico cover curable pre-existing conditions?
Pre-existing conditions are typically not covered by insurance, but some insurers differentiate between curable and incurable conditions. If your pet is treated for a condition and remains symptom-free for a set period, some insurers may cover it again if it reoccurs.
Geico follows this approach, offering a 12-month observation period for curable pre-existing conditions. If your pet goes a year without symptoms or treatment, coverage may be reinstated if the condition returns.
Curable
Geico offers a 12-month observation period for curable pre-existing conditions. If your pet is symptom-free and treatment-free for a year, they may reinstate coverage should these ailments return. However, it’s important to check with Geico what these conditions are before confirming your policy.Incurable
Geico won’t cover certain incurable pre-existing conditions, including cancer, diabetes, allergies, hyperthyroidism, lipomas, and certain chronic conditions.Does Geico cover cancer?
Cancer is a common and serious concern for pet owners, with one in four dogs developing a cancerous tumor and half of dogs over 10 affected, according to the American Veterinary Medical Association. The cost of cancer treatment varies depending on the severity of the cancer and the type of treatment recommended, but is typically several thousand dollars.
Geico covers various types of cancer, including Lymphoma, Lipoma, Osteosarcoma, Mast Cell Tumors, Melanoma, and Hemangiosarcoma. Insurance helps cover the potentially high costs of cancer care, including consultations, testing, surgery, radiation, chemotherapy, rehabilitation, and aftercare, providing vital financial support for pet parents during difficult times.
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What about hereditary and genetic breed-specific conditions?
Certain dog and cat breeds are prone to particular hereditary or genetic conditions. These are issues that puppies and kittens can inherit from their parents such as elbow or hip dysplasia, patellar luxation, and types of cancer.
Geico pet insurance provides breed and genetic coverage for the treatment of a range of genetic conditions, including diagnostic testing, surveys, and rehabilitation.
Congenital conditions, such as hernias and hypothyroidism, are also covered. These are health issues present at birth, although symptoms may not appear until later in life. Geico covers congenital conditions as long as the insurance policy is purchased before any symptoms emerge or a diagnosis is confirmed.
Do Geico plans include alternative therapies?
Geico does include alternative, complementary, non-invasive treatments. Such services include physiotherapy, acupuncture, hydrotherapy, therapeutic laser treatment, and chiropractic care.
Alternative therapies can address various health issues affecting your pet. Chiropractic care can alleviate stiffness and lameness, while acupuncture can assist with allergies and skin conditions. Physiotherapy supports recovery from ligament, muscle, and tendon injuries, as well as post-surgery rehabilitation.
Hydrotherapy, or water therapy, is effective for treating hip and elbow dysplasia and arthritis. Therapeutic laser treatment can enhance the quality of life for pets suffering from back pain, soft-tissue trauma, ear infections, and more.
These alternative therapies are included in Geico pet insurance policies at no extra cost.
24/7 pet telehealth
As Geico is a partner of Embrace, you have access to Embrace’s PawSupport 24/7 pet helpline.
PawSupport’s team of experts are available to answer queries on a range of pet health issues, including diet and nutrition, behavior and training, symptoms and chronic conditions, exercise and even emergencies.
This is a free service that comes with Geico insurance coverage. It can be accessed by live chat, video chat, or simple voice call.
Do Geico plans cover vet exam fees?
Yes, the most comprehensive Geico pet insurance plans cover exam fees, but this is optional coverage that you can choose or decline before buying a policy. These fees, which can vary depending on the veterinarian, are for the consultation where the vet examines your pet to diagnose any issues.
Unlike some insurers that only cover treatment costs, if selected as an option, Geico includes the exam fee for both accidents and illnesses, provided they are covered by the policy.
Geico coverage levels
There are a range of different coverage levels for pet parents to personalize depending on their requirements. This dictates the maximum amount you can claim in any year. The maximum annual coverage levels available for accident and illness policies are:
For accident-only pet insurance policies, the coverage limit is $5,000.
Policyholders can select from a range of deductibles: $100, $250, $500, $750 or $1,000.Typically, the higher the deductible, which is your contribution towards any claim, the lower the price of your policy (though there are other considerations).
Geico waiting periods
Waiting periods are a standard feature of pet insurance, designed to prevent claims for pre-existing conditions that weren’t disclosed. You’ll be informed of any waiting periods when you start a policy.
For Geico, the waiting period for illnesses is 14 days. Orthopedic conditions can have a waiting period of up to six months. This can vary by state but may be reduced by completing the Orthopedic Exam and Waiver Process, which involves a vet examination to rule out any existing issues. There are no waiting periods for routine care if parents take out a wellness plan.
What doesn’t Geico cover?
Geico doesn’t provide coverage for incurable pre-existing conditions, so if your pet has been injured or developed an illness before taking out a policy, Geico won’t provide coverage for the same issue should it reoccur.
Other coverage exclusions include:
- Breeding, whelping or pregnancy
- Any injury or illness resulting from dog fighting, racing, neglect or cruelty
- Any injury caused deliberately by an owner, or a member of the owner’s household
- Tail docking, dew claw removal, ear cropping and any other purely cosmetic procedures
- DNA testing or cloning
- Avian flu
Reviews about Geico/Embrace 1 2
‘Highly recommend’
‘Excellent customer service and quality insurance. They are very compassionate when you lose a dear canine family member. The process to submit and receive a claim is simple and fast. Highly recommend.’
Lisa
‘Incredibly pleased’
‘I have been incredibly pleased with my pet insurance. After the initial medical history review, which clearly outlined what would not be covered, I never encountered any issues. The process for medical expense refunds was always straightforward and hassle-free. They never asked unnecessary questions and consistently processed refunds promptly. Even when my beloved dog was old and suffering from congestive heart failure and chronic pancreatitis, requiring frequent treatments from our vet and cardiology specialist, I never experienced any issues with refunds. Their reliability and efficiency provided immense peace of mind during a challenging time. I highly recommend this pet insurance for their exceptional service and support.’
Joanne
‘So easy to file a claim!’
‘Zoey, our two-year-old Aussie labradoodle, was recently diagnosed with uveitis/glaucoma. This has required many appointments with pet ophthalmologists as well as multiple prescriptions. The ease in submitting multiple claims (sometimes daily) has been incredible.’
Megan
Sources
Geico pet insurance is administered by Embrace Pet Insurance, so customer reviews reflect the coverage and service from Embrace.
Geico FAQs
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Geico has partnered with Embrace to offer pet parents the coverage they need in all 50 US states. Coverage restrictions may be in place in certain states.
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Yes. If your pet is eligible for accident and illness coverage when enrolling, then that level of coverage will continue as long as your pet remains insured.
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The maximum age of enrollment for new Accident and Illness policies is 15 years of age. However, if currently enrolled, your pet will continue to have coverage throughout their life. Pets older than 15 years can still get Accident-only policies.
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Wellness Rewards is an optional add-on that reimburses some aspects of routine care. Three levels of reimbursement are available — $300, $500 and $700.
The list of services covered includes:
- Vaccinations
- Grooming
- Training services
- Flea, Tick and Heartworm prevention;
- Grooming, Medicated Shampoos, Nail Trimming
- Preventative Dental Cleaning
- Spay/Neuter and Microchipping
- Blood and Fecal Tests
- Alternative Treatments, Nutritional Supplements, Prescription Diet Food
- Routine Gland Expression
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Embrace says claims are processed within 10-15 business days — if they have all the necessary information. They may need to contact your vet if any required details are missing.