Geico Pet Insurance: The Comprehensive Guide

As a pet parent, you want the best for your furry friend. This includes ensuring that they are protected in case of any emergency medical situation. That’s where pet insurance comes in. One such company that offers pet insurance is Geico Insurance. In this article, we’ll explore everything you need to know about Geico pet insurance.

What is Geico Pet Insurance?

Geico Pet Insurance is a subsidiary of Geico Insurance, which is one of the largest insurance providers in the United States. The company was launched in 2006 and offers comprehensive pet insurance coverage for dogs and cats. Geico Pet Insurance is underwritten by Embrace Pet Insurance, which has an A+ rating from the Better Business Bureau.

Geico Pet Insurance covers a wide range of medical expenses for pets, including accidents, illnesses, surgeries, and prescription medications. The company offers two insurance policies: accident-only coverage and comprehensive coverage. Accident-only coverage provides coverage for accidents such as broken bones, burns, and snake bites. Comprehensive coverage includes all the benefits of accident-only coverage, as well as coverage for illnesses such as cancer, allergies, and hereditary conditions.

Accident-Only Coverage

Geico’s accident-only coverage is a budget-friendly option for pet parents who want to ensure their pets are covered in case of an accident. The policy covers the following:

Benefit
Maximum Limit
Veterinary Fees
$10,000
Boarding Fees
$1,000
Lost Pet Advertising
$500
Reward for Lost Pets
$500

It’s important to note that accident-only coverage does not include coverage for illnesses.

Comprehensive Coverage

Geico’s comprehensive coverage is the recommended option for pet parents who want complete coverage for their pets. This policy covers accidents, illnesses, surgeries, and prescription medications. The policy includes the following benefits:

Benefit
Maximum Limit
Veterinary Fees
Up to 90% reimbursement
Boarding Fees
$1,000
Lost Pet Advertising
$500
Reward for Lost Pets
$500

Comprehensive coverage also includes coverage for pre-existing conditions, as long as the pet has been symptom-free for 12 months. However, there is a 6-month waiting period for illnesses, and a 14-day waiting period for accidents.

How Does Geico Pet Insurance Work?

Geico Pet Insurance works similarly to other insurance policies. Pet parents can choose either accident-only coverage or comprehensive coverage. The policyholder pays a monthly premium, and in return, Geico covers a portion of their pet’s medical expenses.

When a pet requires medical attention, the policyholder takes them to the veterinarian. They pay for their pet’s treatment upfront, and then submit a claim to Geico for reimbursement. The process of submitting a claim is straightforward, and Geico reimburses the policyholder within a few weeks.

What are the Benefits of Geico Pet Insurance?

There are several benefits of Geico Pet Insurance, including:

  • Customizable policies to fit different budgets and needs
  • Comprehensive coverage for accidents, illnesses, surgeries, and prescription medications
  • Coverage for pre-existing conditions after a 12-month waiting period
  • Budget-friendly accident-only coverage
  • A+ rating from the Better Business Bureau
  • Easy claim submission and reimbursement process

FAQ

1. Can I cancel my Geico Pet Insurance policy?

Yes, you can cancel your policy at any time. Geico offers a 30-day money-back guarantee on all policies. If you cancel your policy within 30 days of the start date, you will receive a full refund.

2. What is the maximum limit for Geico Pet Insurance?

The maximum limit for accident-only coverage is $10,000, while the maximum limit for comprehensive coverage is up to 90% reimbursement for veterinary fees.

3. Is coverage for hereditary conditions included in Geico’s pet insurance?

Yes, hereditary conditions are covered under Geico’s comprehensive policy. However, there is a 6-month waiting period for illnesses, and a 14-day waiting period for accidents.

4. Does Geico Pet Insurance cover routine care?

No, Geico Pet Insurance does not cover routine care. This includes vaccinations, check-ups, and preventive treatments such as flea and tick medication.

5. How long does it take to receive reimbursement from Geico?

Geico reimburses policyholders within a few weeks of receiving the claim. The exact time frame depends on the complexity of the claim and the amount of documentation required.

Conclusion

Geico Pet Insurance is a comprehensive and budget-friendly option for pet parents who want to ensure their pets are protected in case of any medical emergency. The company offers accident-only coverage and comprehensive coverage, both of which provide coverage for a wide range of medical expenses. Geico Pet Insurance’s customizable policies and easy claim submission process make it a top choice for pet insurance in the United States.