Geico Pet Insurance Reviews: Benefits and Drawbacks of Coverage

Pet owners often worry about the unexpected costs that arise from taking care of their beloved animals. While veterinary visits, surgeries, and medications can easily add up, pet insurance offers a way to ease this financial burden. Geico, one of the most well-known insurance providers, also offers pet insurance. In this review, we’ll examine Geico’s coverage options, pricing, customer service, and more to help you decide if their pet insurance is right for you and your furry friend.

What is Geico Pet Insurance?

Geico Pet Insurance, also known as Embrace Pet Insurance, is underwritten by American Modern Insurance Group. Embrace Pet Insurance, founded in 2003, was acquired by Geico in 2019. Geico Pet Insurance offers coverage for dogs and cats of all ages and breeds. They offer customizable plans to fit your unique pet and budget.

Coverage Options

Geico Pet Insurance offers two types of coverage: accident and illness, and wellness. Accident and illness coverage covers unexpected pet medical expenses such as accidents, illnesses, surgeries, hospitalization, and prescription medications. Wellness coverage, on the other hand, covers preventive care, including routine check-ups, vaccinations, and annual exams.

Both types of coverage have different limits, deductibles, and reimbursement levels. Geico Pet Insurance allows you to customize your plan to fit your needs and budget.

Accident and Illness Coverage

The accident and illness coverage offered by Geico Pet Insurance includes:

Benefits
Details
Annual Limit
From $5,000 to $30,000
Deductible
From $100 to $1,000
Reimbursement Level
From 70% to 90%
Coverage for Accidents and Illnesses
X-rays, blood tests, surgeries, diagnostic tests, hospitalization, prescription medications, and more
Waiting Period
14 days for illnesses, 2 days for accidents, and 180 days for orthopedic conditions

Wellness Coverage

The wellness coverage offered by Geico Pet Insurance includes:

Benefits
Details
Annual Limit
From $250 to $650
Deductible
N/A
Reimbursement Level
From 100% to 50%
Coverage for Preventive Care
Routine check-ups, vaccinations, spay/neuter procedures, dental cleanings, and more
Waiting Period
N/A

Pricing

The pricing for Geico Pet Insurance varies based on the age, breed, and location of your pet, as well as the coverage options you choose. However, Geico Pet Insurance offers a 5% discount for each additional pet you insure with them. Here are some sample quotes from Geico Pet Insurance:

Pet
Age
Location
Accident and Illness Coverage
Wellness Coverage
Dog
2 years
California
$42.08/month
$23.49/month
Cat
5 years
Illinois
$27.45/month
$13.92/month
Dog
8 years
Michigan
$89.49/month
$21.19/month

Customer Service

Geico is known for their excellent customer service, and Geico Pet Insurance is no exception. They offer 24/7 customer support through phone, email, and live chat. Geico Pet Insurance also has an A+ rating from the Better Business Bureau and has been accredited since 2006. They have mostly positive reviews on websites such as Yelp and Trustpilot.

Drawbacks

While Geico Pet Insurance offers many benefits, there are also some drawbacks to consider. Some customers have reported that their premiums increased significantly after the first year of coverage. Geico Pet Insurance also has a 14-day waiting period for illnesses, which may be longer than some other pet insurance providers. Additionally, Geico Pet Insurance does not cover pre-existing conditions.

FAQs

What animals does Geico Pet Insurance cover?

Geico Pet Insurance covers dogs and cats of all ages and breeds.

What types of coverage does Geico Pet Insurance offer?

Geico Pet Insurance offers accident and illness coverage, as well as wellness coverage.

What is the waiting period for Geico Pet Insurance?

The waiting period for Geico Pet Insurance is 14 days for illnesses, 2 days for accidents, and 180 days for orthopedic conditions.

Does Geico Pet Insurance cover pre-existing conditions?

No, Geico Pet Insurance does not cover pre-existing conditions.

Does Geico Pet Insurance offer a discount for multiple pets?

Yes, Geico Pet Insurance offers a 5% discount for each additional pet you insure with them.

Conclusion

Geico Pet Insurance offers comprehensive coverage options for dogs and cats of all ages and breeds. Their customizable plans allow you to choose the coverage that fits your unique pet and budget. While Geico Pet Insurance has mostly positive reviews and excellent customer service, there are some drawbacks to consider, such as potential premium increases after the first year of coverage and a longer waiting period for illnesses. Overall, Geico Pet Insurance is a great option for pet owners looking for reliable and comprehensive pet insurance coverage.