GEICO Pet Insurance Reviews: How It Stacks Up (2025)

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

GEICO allows you to choose your deductible and payout limits and customize your policy with additional coverages based on your pet’s needs and your budget. If you have a young dog with no pre-existing conditions and want maximum coverage, GEICO may be a good option for you. The insurer offers comprehensive pet insurance plans and optional wellness add-ons through Embrace.

But it’s a good idea to compare quotes from a few other pet insurance companies, as you may find cheaper coverage from another company with a better reputation for customer service. GEICO pet insurance is particularly expensive for cats. The company’s wellness plans also provide limited savings, though they offer a lot of flexibility.

GEICO pet insurance pros and cons

If you’re already a GEICO customer, you may be considering GEICO pet insurance. Before enrolling your pet in coverage, consider some of the pros and cons.

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.

How much does GEICO pet insurance cost?

Your monthly pet insurance costs depend on your pet’s species, breed, age, and location.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. Quotes are based on a $15,000 annual limit, a $500 deductible, and an 80% reimbursement rate.

Cost of GEICO dog insurance

The dog insurance quotes below are for a medium-sized 2-year-old mixed-breed male dog living in Hartford, Connecticut.

Cost of GEICO cat insurance

The cat insurance quotes below are for a 2-year-old female American shorthair cat living in Hartford, Connecticut.

How customers feel about GEICO insurance

GEICO Insurance Agency has poor customer service reviews for its insurance products, which include pet insurance, auto insurance, and home insurance, on third-party websites such as Trustpilot and the Better Business Bureau.

Since GEICO doesn’t offer a multi-policy discount for customers with a previous policy who add pet insurance, pet owners may be better off purchasing coverage from Embrace directly.

Embrace pet insurance reviews

Embrace, the company that handles pet insurance claims for GEICO policyholders, has great reviews on Trustpilot, with a rating of 4 out of 5 stars based on more than 4,500 reviews. Customers appreciate the coverage and empathetic customer representatives, but some complain about high prices that increase annually and claim denials due to excluded pre-existing conditions.

Embrace also has ratings of 3 out of 5 stars on the Better Business Bureau (BBB) website and 2 out of 5 stars on Yelp. Some customers on these sites complain about the claims process as well as the pricing. Embrace has a strong track record of replying to customer comments.

The bottom line: 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