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Founded in 1936, GEICO ranks among the largest insurance carriers in the US, offering policies in the home, vehicle, personal and professional liability, and pet insurance categories. The company's pet insurance product is administered by Embrace, a leader in the pet insurance market. GEICO is located in Washington, DC.
How is GEICO rated?
Breakdown
Overall Rating: 0 / 5 (N/A)
GEICO is a household name in the insurance category and the company has elected to extend its brand into the pet insurance business. However, when you go to research or purchase a pet insurance policy at GEICO.com, you will be immediately directed to Embrace, the pet insurer GEICO partners with to deliver its product. Policy options, covered services, premiums, and so on are set by Embrace. The company also administers all claims and the electronic interfaces customers use to manage and communicate about their policies.
Embrace is a well-respected pet insurance provider that we have reviewed previously and positively. The company gets high marks from pet-owners, too. No matter how you get to Embrace, we feel confident recommending the company for your pet insurance needs. It has one of the most comprehensive plans we've come across.
Through Embrace, GEICO offers a wide range of policy options, including accident, illness, and wellness coverage, and numerous ways to customize your policy to make it fit your budget.
GEICO Coverage
Coverage - 0 / 5
GEICO and its partner Embrace offer coverage for pet accidents and illnesses in one plan. For pets over the age of 15, you can also choose an accident only plan. Pet owners can also elect to purchase an optional wellness care product in addition to insurance.
Where GEICO/Embrace really shines is in the breadth of coverage it offers in its accident/illness plan. In addition to covering standard items like diagnostic testing, surgery, and hospitalization, the plan also covers dental services, prosthetic and mobility devices, behavioral therapy—got a digger on your hands?—and alternative care. Embrace also covers the first line item on your vet bill—the exam charge—which many of its competitors do not.
| Pets Covered |
Dogs
Cats
|
| Coverage Types |
Medical
Wellness
|
| Vet Selection | Unrestricted |
Medical Conditions Covered
- Accidental
- Illness
- Hereditary
- Congenital
- Cancer
- Chronic
Medical Treatments Covered
- Diagnostic Testing
- Surgery
- Prescription Medications
- Emergency Care
- Specialty Care
- Alternative Care
- Behavioral Therapy
Benefit Limits
Benefit Limits - 0 / 5
GEICO offers a variety of annual limits, such as $5,000, $8,000, $10,000, $15,000 and unlimited. There is no lifetime limit on coverage.
| Benefit Limit Types | Annual |
Reimbursement & Deductibles
Reimbursement - 0 / 5
GEICO/Embrace allows you to choose any vet for your pet's care and will reimburse your claim based on your actual vet bill. You can choose the percentage of your bills that you are responsible for (your co-pay). If you choose a higher co-pay, your premiums will be lower.
| Reimbursement Model | Actual Cost |
| Minimum Percent Reimbursement | 70% |
| Maximum Percent Reimbursement | 90% |
Deductibles - 0 / 5
GEICO offers customers a choice of deductibles. The higher the policy's deductible, the lower its associated premium. Pet owners can select either a $100, $250, $500, $750, or $1000 deductible when they work with GEICO. Customers should consider how much they can afford to pay out of pocket in one fell swoop before selecting a deductible. Sometimes, paying a slightly higher premium each month is a good way to budget for pet health care and hedge against a vet bill you can't afford to pay when it comes due.
| Deductible Type | Annual |
| Minimum Deductible Offered | $100 |
| Maximum Deductible Offered | $1,000 |
Pricing: How much does GEICO cost?
Cost - 0 / 5
GEICO, in partnership with Embrace, offers customizable policies to help meet the needs of many pet owners. Based on our standard model, the company's premiums compare favorably to its competitors', making GEICO a great choice for consumers on a tight budget.
Rate Details:
Available Discounts: GEICO/Embrace offers a 10% discount when you insure multiple pets and a 5% discount for active members of the military. The company also offers a diminishing deductible reward. For every year that you pay premiums without being reimbursed for a claim, the company will reduce your deductible by $50.
Enrollment & Waiting Periods
Enrollment - 0 / 5
You can enroll your pet at any time from 6 weeks of age to 14 years for full accident and illness coverage. If your pet is insured with GEICO/Embrace when he or she passes the age of 14, your coverage will not be revoked for as long as you pay your premiums.
For your coverage to start, your pet must have been examined within the 12 month period preceding your application date or be examined within 14 days of your policy start date.
| Min Enrollment Age | 6 weeks |
| Max Enrollment Age | 14 years |
| Accident Waiting Period | 2 days |
| Illnesses Waiting Period | 14 days |
| Free Look Period | 30 days |
Claims & Service
Extras - 0 / 5
| Claim Form |
Mail
Email
Online Portal
Mobile App
|
Contact & Additional Information
| Homepage URL | |
| Headquarters Address | One GEICO Plaza, Washington DC, 20076 |
| Year Founded | 1936 |
- Coverage for accidents, illness, dental, cancer & more
- Choose your own deductible, co-pay & benefit limits
- Visit any veterinarian in the country
- Get a free online quote, customized to your pet