Is Geico Pet Insurance Worth It? Our 2025 Review
Our expert's opinion on Geico
Geico's pet insurance offering in the United States is administered by Embrace Pet Insurance Agency LLC and provides a customizable accident-and-illness policy that lets owners choose annual maxima, deductibles, and reimbursement percentages to fit different needs.
The core plan covers accidents and illnesses with customizable reimbursement rates and annual limits, lifetime cover with annual limits resetting each term, waiting periods of 2 days for accidents, 14 days for illnesses and a six-month orthopedic waiting period for dogs, partial coverage for certain alternative therapies, and no routine wellness or dental cleaning coverage; compared with major competitors, Geico (administered by Embrace) emphasizes flexible, tiered pricing that can be competitive for younger and smaller pets while offering less preventive care than some rivals.
Best suited for owners of young or otherwise healthy pets who want flexible, customizable accident-and-illness protection and tiered pricing options.
The policy is administered by Embrace and underwritten by American Modern Home Insurance Company, and customer sentiment on Trustpilot stands at 1.3/5 from 1,027 reviews, with frequent complaints about long hold times, billing or payment lockouts, cancellation or policy-change difficulties, and frustration with claims handling and digital tools, although some customers report smooth quote and enrollment interactions.
- ✅Customizable annual limits, deductibles, and reimbursement percentages
- ✅Accident-and-illness core coverage with lifetime annual-limit resets
- ✅Partial coverage for approved alternative therapies
- ✅Emergency ambulance and specialist consultations (exam-fee option)
- ✅Telemedicine access when exam fees are covered
- ✅Tiered pricing with lower-cost options for young/smaller pets
- ✅Administration by Embrace with an online claims portal
- ❌Low Trustpilot rating and frequent customer complaints
- ❌No preventive wellness coverage or dental cleaning
- ❌Six-month orthopedic waiting period for dogs
- ❌Limited transparency on published reimbursement rates and limits
- ❌Reported billing, cancellation, and claims-handling friction
Score- ✅Customizable annual limits, deductibles, and reimbursement percentages
- ✅Accident-and-illness core coverage with lifetime annual-limit resets
- ✅Partial coverage for approved alternative therapies
- ✅Emergency ambulance and specialist consultations (exam-fee option)
- ✅Telemedicine access when exam fees are covered
- ✅Tiered pricing with lower-cost options for young/smaller pets
- ✅Administration by Embrace with an online claims portal
Our expert's opinion on Geico
- ✅Customizable annual limits, deductibles, and reimbursement percentages
- ✅Accident-and-illness core coverage with lifetime annual-limit resets
- ✅Partial coverage for approved alternative therapies
- ✅Emergency ambulance and specialist consultations (exam-fee option)
- ✅Telemedicine access when exam fees are covered
- ✅Tiered pricing with lower-cost options for young/smaller pets
- ✅Administration by Embrace with an online claims portal
- ❌Low Trustpilot rating and frequent customer complaints
- ❌No preventive wellness coverage or dental cleaning
- ❌Six-month orthopedic waiting period for dogs
- ❌Limited transparency on published reimbursement rates and limits
- ❌Reported billing, cancellation, and claims-handling friction
Score- ✅Customizable annual limits, deductibles, and reimbursement percentages
- ✅Accident-and-illness core coverage with lifetime annual-limit resets
- ✅Partial coverage for approved alternative therapies
- ✅Emergency ambulance and specialist consultations (exam-fee option)
- ✅Telemedicine access when exam fees are covered
- ✅Tiered pricing with lower-cost options for young/smaller pets
- ✅Administration by Embrace with an online claims portal
Why trust Hellosafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the Canadian market each year, providing you with trustworthy and unbiased analysis.
Thanks to our careful approach, hundreds of thousands of Canadians rely on us every month to help guide their most important financial decisions.
The Guarantees of Geico
Geico’s pet insurance is offered as a customizable accident and illness product administered by Embrace Pet Insurance Agency LLC and underwritten by an insurance carrier. Policyholders can tailor annual maximums, annual deductibles, and reimbursement percentages to create lower‑cost entry configurations or more comprehensive enhanced configurations. The core coverage focuses on veterinary treatment for accidents and illnesses, including emergency care, surgery, imaging, laboratory diagnostics, and certain cancer therapies.
Pre‑purchase requirements include a veterinary examination (performed within 12 months prior to or up to 14 days after policy start) in many cases. Waiting periods are short for accidents (2 days) and standard for illnesses (14 days); orthopedic conditions for dogs are subject to a longer waiting period (6 months). The product supports lifetime coverage with annual limits that reset each policy term; the actual annual limit, deductible and reimbursement percentage determine out‑of‑pocket exposure and premium.
Service features include reimbursement for emergency ambulance transport, coverage for radiotherapy when part of a covered cancer treatment, and partial coverage for some alternative therapies (acupuncture, chiropractic, hydrotherapy). Coverage for exam/consultation fees and specialist consults is optional and applies only when exam fee coverage is selected. Preventive and routine hygiene services are excluded as standard.
Operationally, the offering is administered through a regulated insurer and uses established claims and customer service channels. Reported customer experience items include both positive feedback on setup and pricing in some cases and critical feedback regarding customer service wait times, billing and cancellation issues, and digital tool friction.
| Feature | High Deductible (entry) | Balanced | Recommended (enhanced) |
|---|---|---|---|
| Plan positioning | Entry-level (higher deductible / lower premium) | Balanced | Enhanced / recommended (lower deductible / more comprehensive) |
| Type of coverage | Accident & Illness | Accident & Illness | Accident & Illness |
| Animals covered | Dogs, cats | Dogs, cats | Dogs, cats |
| Reimbursement rate | Customizable by policyholder | Customizable by policyholder | Customizable by policyholder |
| Annual reimbursement limit | Customizable by policyholder | Customizable by policyholder | Customizable by policyholder |
| Deductible (annual or per claim) | Annual deductible (configurable) | Annual deductible (configurable) | Annual deductible (configurable) |
| Age limits for enrollment | NC | NC | NC |
| Pre-enrollment health questionnaire | Veterinary exam required (within 12 months prior or 14 days after start) | Veterinary exam required (within 12 months prior or 14 days after start) | Veterinary exam required (within 12 months prior or 14 days after start) |
| Waiting period (accident) | 2 days | 2 days | 2 days |
| Waiting period (illness) | 14 days | 14 days | 14 days |
| Waiting period (orthopedic/dogs) | 6 months (applies to orthopedic conditions) | 6 months (applies to orthopedic conditions) | 6 months (applies to orthopedic conditions) |
| Lifetime coverage | Yes (annual limits reset each term) | Yes (annual limits reset each term) | Yes (annual limits reset each term) |
| Consultations | Yes (if exam fee coverage selected) | Yes (if exam fee coverage selected) | Yes (if exam fee coverage selected) |
| Medications | Covered when part of a covered illness/accident | Covered when part of a covered illness/accident | Covered when part of a covered illness/accident |
| Hospitalization | Yes | Yes | Yes |
| Surgery | Yes | Yes | Yes |
| Diagnostic tests | Yes (imaging and lab tests covered) | Yes (imaging and lab tests covered) | Yes (imaging and lab tests covered) |
| Dental care | Routine dental cleanings excluded; dental treatment covered when treating a covered illness (subject to plan terms) | Routine dental cleanings excluded; dental treatment covered when treating a covered illness (subject to plan terms) | Routine dental cleanings excluded; dental treatment covered when treating a covered illness (subject to plan terms) |
| Preventive care | No (vaccinations, parasite prevention, spay/neuter excluded) | No (vaccinations, parasite prevention, spay/neuter excluded) | No (vaccinations, parasite prevention, spay/neuter excluded) |
| Alternative medicine | Partial (covers acupuncture, chiropractic, hydrotherapy; many modalities excluded) | Partial (covers acupuncture, chiropractic, hydrotherapy; many modalities excluded) | Partial (covers acupuncture, chiropractic, hydrotherapy; many modalities excluded) |
| Travel coverage | NC | NC | NC |
| Civil liability | NC | NC | NC |
| Euthanasia | Euthanasia covered | Euthanasia covered | Euthanasia covered |
| Death & cremation coverage | Death/euthanasia covered; cremation NC | Death/euthanasia covered; cremation NC | Death/euthanasia covered; cremation NC |
| Theft or loss + search expenses | NC | NC | NC |
| Boarding fees | No | No | No |
Exclusions: Pre‑existing conditions are excluded; any illness, injury, or clinical sign present prior to the end of the applicable waiting periods is not covered. Bilateral or related conditions that originate from a prior, uncovered problem are treated as pre‑existing for the corresponding side or recurrence. Orthopedic conditions in dogs are subject to a 6‑month waiting period before coverage applies. Preventive, elective and non‑medical items are excluded: routine wellness exams, vaccinations, parasite prevention, spaying/neutering (unless medically necessary under narrow circumstances), routine dental prophylaxis, grooming, and non‑medical supplies. Cosmetic and breeding‑related procedures are excluded. Certain therapies and treatments (a defined list of modalities such as Reiki, magnet therapy, and other investigational procedures) are not covered; however, selected alternative therapies (acupuncture, chiropractic, hydrotherapy) are covered subject to plan limits and exclusions. Food and supplements are excluded except for named exceptions where specified by plan underwriting.
Key limitations and plan mechanics: Coverage outcomes depend on the chosen annual limit, deductible and reimbursement percentage; these selections materially affect premium and out‑of‑pocket cost. Some benefits (for example, telemedicine or specialist consult reimbursement) apply only if exam fee coverage is selected. There are limits on specific procedures (for example, more than one anesthetic foreign‑body removal per policy term may be excluded) and exclusions for organ transplants and certain high‑cost, experimental interventions. Non‑medical costs such as boarding, administrative fees, and costs arising from pandemics, war or nuclear events are excluded. Customer feedback has identified operational friction points in areas such as customer service wait times, billing or cancellation processes, and certain digital tools.
Geico Exclusions
Geico’s pet insurance offerings (administered by Embrace) follow common industry exclusion patterns but stand out for a strict pre‑existing definition, bilateral condition rules, and a pronounced 6‑month orthopedic waiting period for dogs that can materially limit coverage for common musculoskeletal claims.
Routine and preventive care—including wellness exams, vaccinations, parasite prevention, spay/neuter, and dental cleanings—are excluded from the core plan and must be obtained via optional riders, increasing out‑of‑pocket costs for maintenance care.
Alternative therapies are partially covered (acupuncture, chiropractic, hydrotherapy) while a long list of complementary treatments (reiki, magnet therapy, ozone, prolotherapy, etc.) are expressly excluded, and foods/supplements are generally not covered except a narrow exception for Hill’s y/d for feline hyperthyroidism.
The policy also excludes owner‑caused or intentional injuries, costs arising from organized fighting, multiple repeat incidents beyond specified limits (more than one anesthetic foreign‑body removal per policy term), non‑medical/administrative fees, and losses from catastrophic events (pandemics, war, nuclear incidents).
| Exclusions | Details |
|---|---|
| Medical exclusions | Pre‑existing conditions: any illness, injury, or condition showing signs before end of waiting periods (treated or untreated)Bilateral condition rule: a condition on one side considered pre‑existing on the other if earlier signs existedIVDD and other conditions excluded if signs present prior to coverage |
| Orthopedic & waiting period specifics | 6‑month orthopedic waiting period for canine orthopedic conditionsShorter waiting periods for other events: 2 days (accident) and 14 days (illness) for standard exclusions |
| Preventive & routine care | Wellness exams and preventive care excluded (available only via riders)Vaccinations and routine parasite prevention excludedSpaying/neutering and routine grooming excluded |
| Dental & oral exclusions | Preventive dental cleanings excludedPre‑existing periodontal disease excluded or limited |
| Alternative & specific therapy exclusions | Covered: acupuncture, chiropractic, hydrotherapy (partial coverage)Excluded: reiki, magnet therapy, prolotherapy, ozone therapy, hyperbaric oxygen, electroacupuncture, veterinary orthopedic manipulation, massage, BICOM, TENS, extracorporeal shock wave therapy, nutritional counseling (as listed) |
| Food, supplements & prescription diets | All foods and supplements excluded (prescription or not), with a specific exception for Hill’s y/d for feline hyperthyroidism |
| Breeding, elective & cosmetic exclusions | Breeding, pregnancy, whelping, and queening excludedElective/cosmetic procedures excluded (tail docking, ear cropping, declawing) |
| Owner conduct & behavioral exclusions | Injuries or illnesses deliberately caused by the policyholder excludedConditions resulting from organized fighting or persistent neglect excludedBehavioral‑origin incidents (e.g., repetitive foreign‑body ingestion) limited or excluded |
| Treatment limits & procedural caps | More than one anesthetic removal of an ingested foreign body per policy term excludedOrgan transplants and certain high‑complexity procedures excluded or limited |
| Non‑medical & administrative exclusions | Boarding (including medical boarding) excluded unless rider appliesAdministrative fees, chart setup, prescription dispensing fees excludedNon‑medical supplies and routine care costs excluded |
| External events & catastrophic exclusions | Costs arising from pandemics, war, nuclear events, and similar catastrophic public‑health events |
Geico Prices
Geico occupies a mid-range position in the U.S. pet insurance market in 2025, offering a clear three-tier structure that appeals to a range of budgets. The High Deductible tier serves price-conscious owners seeking basic protection at lower monthly cost, Balanced targets mainstream buyers with a trade-off between premium and out-of-pocket exposure, and Recommended provides broader cover and higher cost for owners prioritizing lower deductibles and higher reimbursements. This tiering helps Geico compete by letting customers adjust cost versus coverage directly.
Deductible level, reimbursement percentage, and chosen annual maximum are the primary levers that influence Geico’s competitiveness: plans with lower deductibles and higher reimbursement percentages increase monthly premiums but reduce the owner’s financial risk per claim, while higher deductibles and lower reimbursement choices lower premiums but increase potential out-of-pocket costs. Geico’s offering also includes features that affect perceived value — such as emergency ambulance reimbursement, optional exam fee coverage for consultations, partial coverage of alternative therapies, and customizable annual limits — which justify different price points across tiers.
Compared with more traditional players, Geico’s model emphasizes configurable digital administration through a third‑party administrator and pre‑configured tiers that simplify selection; this positions it between low-cost, no-frills entrants and higher‑end providers that bundle broader preventive or specialized services. The combination of flexible plan settings and select added services makes Geico a competitive mid‑market option for owners who want control over cost and coverage without committing to premium‑level pricing.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Profile of the animal | High Deductible | Balanced | Recommended |
|---|---|---|---|
| Dog Labrador 1 year | $45.86 | $61.24 | $109.89 |
| Dog Labrador 3 years | $45.86 | $61.24 | $109.89 |
| Dog Labrador 7 years | $86.38 | $115.95 | $209.56 |
| Dog Australian Shepherd 1 year | $28.06 | $37.20 | $66.11 |
| Dog Australian Shepherd 3 years | $28.06 | $37.20 | $66.11 |
| Dog Australian Shepherd 7 years | $50.32 | $67.24 | $120.85 |
| Dog French Bulldog 1 year | $59.83 | $80.09 | $144.24 |
| Dog French Bulldog 3 years | $59.83 | $80.09 | $144.24 |
| Dog French Bulldog 7 years | $123.79 | $166.45 | $301.56 |
| Cat European Shorthair 1 year | $17.06 | $22.35 | $39.06 |
| Cat European Shorthair 3 years | $17.56 | $23.02 | $40.27 |
| Cat European Shorthair 7 years | $29.64 | $39.32 | $69.98 |
| Cat Maine Coon 1 year | $28.71 | $38.08 | $67.71 |
| Cat Maine Coon 3 years | $29.20 | $38.73 | $68.89 |
| Cat Maine Coon 7 years | $37.91 | $50.48 | $90.32 |
| Cat British Shorthair 1 year | $22.02 | $29.03 | $51.24 |
| Cat British Shorthair 3 years | $22.02 | $29.03 | $51.24 |
| Cat British Shorthair 7 years | $35.15 | $46.77 | $83.56 |
Geico Promo Codes
| Geico Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
How much does Geico reimburse?
Geico reimburses eligible veterinary expenses by subtracting your chosen deductible and then paying the plan’s reimbursement percentage on the remaining covered amount.
✅ Example 1: Consultation for allergic dermatitis
Total vet costs: $200 (consultation + topical medication)
Deductible amount to subtract: $100 (annual deductible)
Amount reimbursable after deductible with the highest‑tier plan (90%): $200 − $100 = $100
90% of that amount reimbursed: $100 × 90% = $90
Remaining out-of-pocket cost: $200 − $90 = $110
👉 You receive a reimbursement of $90.
ℹ️ *The annual deductible applies once per policy year; future eligible claims that year are paid after the deductible has been met.*
✅ Example 2: Tibial plateau leveling osteotomy (TPLO) for cruciate rupture
Total vet costs: $7,500 (surgery, imaging, hospitalization, implants, medication, rehab)
Deductible amount to subtract: $0 (deductible already satisfied earlier in the policy year)
Amount reimbursable after deductible with the highest‑tier plan (90%): $7,500 − $0 = $7,500
90% of that amount reimbursed: $7,500 × 90% = $6,750
Remaining out-of-pocket cost: $7,500 − $6,750 = $750
👉 You receive a reimbursement of $6,750.
ℹ️ *Large claims count toward your annual maximum if you selected one; choose a higher annual limit to reduce the chance of reaching it.*
✅ Example 3: Annual wellness visit and core vaccinations (with wellness/exam-fee add‑on)
Total vet costs: $250 (wellness exam + vaccinations)
Deductible amount to subtract: $0 (wellness benefits often waive the medical deductible when covered by an add‑on)
Amount reimbursable after deductible with the wellness add‑on (example reimbursement rate 80%): $250 − $0 = $250
80% of that amount reimbursed: $250 × 80% = $200
Remaining out-of-pocket cost: $250 − $200 = $50
👉 You receive a reimbursement of $200.
ℹ️ *Preventive care is covered only if you purchase the wellness/exam‑fee add‑on; rider terms may set separate limits or reimbursement rates.*
Geico Assistance
Geico’s assistance combines Embrace’s customizable digital platform with practical emergency provisions, notably reimbursing emergency ambulance transport and offering telemedicine when exam-fee coverage is purchased.
Telemedicine is available as an included benefit if the policyholder selects exam-fee coverage, but Geico does not provide a dedicated branded 24/7 vet hotline across all plans.
Claims are handled electronically through the my.embracepetinsurance.com portal and the mobile app, enabling fast processing for many customers, although some report occasional delays or app-related issues.
There is no standardized direct-to-vet advance-pay program, so owners should be prepared to coordinate payments with their clinic at the time of service.
| Assistance Geico | Available? | Details |
|---|---|---|
| Advance payment | N.C. | N.C. |
| Payment facilities | N.C. | N.C. |
| Mobile app | ✅ | Mobile app and online portal (my.embracepetinsurance.com) for claims submission and policy management. Rating: N.C.; some customers report app-related issues. |
| Paperless claims process | ✅ | Electronic claims via the portal, email, fax, or mail. Digital tracking and electronic reimbursements available. |
| Emergency vet service | ✅ | Telemedicine covered if exam-fee coverage is selected. Policy reimburses emergency ambulance transportation. |
| Vet/clinic partner network | N.C. | N.C. |
| Coverage abroad | N.C. | N.C. |
Rating: N.C.; some customers report app-related issues.
Digital tracking and electronic reimbursements available.
Policy reimburses emergency ambulance transportation.
Geico Customer Reviews
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 1.3/5 (1,027 reviews) |
Many customers describe a smooth experience when obtaining quotes and setting up policies, and some cite competitive pricing in certain situations alongside helpful assistance during enrollment and account updates. Positive comments also emphasize clear explanations of coverage options and attentive support from representatives, which several owners say made decision‑making easier.
At the same time, recurring criticisms focus on long hold times to reach support and problems with billing or payment lockouts that create frustration for policyholders. Reviewers also report difficulties with cancellations or policy changes, and a number of complaints relate to claims handling and digital tools, including app issues and processing delays.
Contact Geico
| Geico Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. geico.com — online subscription steps and account setup: N.C. |
| To request and track a reimbursement | Submit claims via the online portal (my.embracepetinsurance.com), email (claims@embracepetinsurance.com), fax ((800) 238-1042), or mail (Embrace Pet Insurance Claims Department, P.O. Box 22188, Beachwood, OH 44122-0188). Required documents (e.g., claim form, itemized invoice) and claim submission deadlines: N.C. Claim tracking via the portal or account dashboard: N.C. Reimbursement method (direct deposit, check, etc.): N.C. |
| To obtain a certificate of insurance | Process to request a certificate, available request channels, and required information (policy number, named pet, effective dates): N.C. |
| To contact assistance | Phone (general/customer service): 1-800-511-9172. Policy administrator address: 4530 Richmond Rd., Cleveland, OH 44128. Claims portal: my.embracepetinsurance.com. Claims email: claims@embracepetinsurance.com. Claims fax: (800) 238-1042. Mail for claims: P.O. Box 22188, Beachwood, OH 44122-0188. |
| To cancel my policy | To cancel, contact customer service by phone (1-800-511-9172) or send a written request to the policy administrator at 4530 Richmond Rd., Cleveland, OH 44128. Required cancellation information, notice periods, and refund/proration conditions: N.C. |
FAQ
Do I have to pay upfront for veterinary fees with Geico?
You generally pay the veterinary bill at the clinic when services are provided and then submit a claim to Embrace, Geico’s pet insurance administrator.
Submit claims via the online portal (my.embracepetinsurance.com), email, fax, or mail with an itemized invoice and any medical records.
After claim approval, Embrace reimburses you according to your selected deductible, reimbursement percentage, and annual maximum.
Direct third‑party billing to the insurer is not a standard feature; if a clinic offers direct‑billing partners (CareCredit/Payvet), confirm availability before treatment.
How do I cancel my pet insurance policy with Geico?
Contact Embrace customer service at 1-800-511-9172 or request cancellation through your online account/portal and provide your policy number and the pet’s name.
Specify the desired cancellation effective date and whether you want coverage to end immediately or at the policy term.
Request written confirmation of cancellation and retain it for your records to prevent billing disputes.
Refunds or prorated premium adjustments are processed according to your policy terms; ask the representative to explain the final accounting.
What are the waiting periods for accident and illness coverage?
Geico policies typically have a 2‑day waiting period for accidents and a 14‑day waiting period for illnesses from the policy effective date.
Dogs commonly have a 6‑month waiting period for orthopedic conditions before claims for those issues are eligible.
A required vet exam around enrollment can affect pre‑existing determinations, so complete any requested exam within the stated timeframe.
Signs, symptoms, or treatment that begin before the waiting period ends are usually considered pre‑existing and excluded.
How are reimbursements calculated and how long do they take?
Reimbursements are paid after your chosen deductible is applied and then at your selected reimbursement percentage up to your annual maximum.
File an itemized invoice and supporting medical records through the portal or by email/fax/mail to start processing.
Processing times vary by claim complexity; straightforward claims are often faster while complex cases can take longer.
If a claim is denied, you may appeal and provide additional documentation under the insurer’s appeals process.
Are pre-existing conditions covered?
Conditions that showed signs, symptoms, or received treatment before the end of the applicable waiting period are generally excluded as pre‑existing.
Bilateral and chronic degenerative conditions are treated as pre‑existing if prior signs existed.
Review your policy for any language about curable conditions or symptom‑free periods that might affect eligibility.
Providing complete prior medical records at enrollment helps clarify whether a condition is pre‑existing.
Does Geico offer telemedicine or emergency support for pets?
Emergency ambulance transport for pets is covered and eligible emergency treatments can be reimbursed under the plan.
Telemedicine is available if you add exam fee or similar coverage that explicitly includes telehealth consultations.
A dedicated 24/7 veterinary hotline is not automatically included unless specified in your selected options—confirm telehealth access when you enroll.
Keep emergency clinic contacts and review your policy materials for teleconsultation procedures and any applicable limits.
Do I have to pay upfront for veterinary fees with Geico?
You generally pay the veterinary bill at the clinic when services are provided and then submit a claim to Embrace, Geico’s pet insurance administrator.
Submit claims via the online portal (my.embracepetinsurance.com), email, fax, or mail with an itemized invoice and any medical records.
After claim approval, Embrace reimburses you according to your selected deductible, reimbursement percentage, and annual maximum.
Direct third‑party billing to the insurer is not a standard feature; if a clinic offers direct‑billing partners (CareCredit/Payvet), confirm availability before treatment.
How do I cancel my pet insurance policy with Geico?
Contact Embrace customer service at 1-800-511-9172 or request cancellation through your online account/portal and provide your policy number and the pet’s name.
Specify the desired cancellation effective date and whether you want coverage to end immediately or at the policy term.
Request written confirmation of cancellation and retain it for your records to prevent billing disputes.
Refunds or prorated premium adjustments are processed according to your policy terms; ask the representative to explain the final accounting.
What are the waiting periods for accident and illness coverage?
Geico policies typically have a 2‑day waiting period for accidents and a 14‑day waiting period for illnesses from the policy effective date.
Dogs commonly have a 6‑month waiting period for orthopedic conditions before claims for those issues are eligible.
A required vet exam around enrollment can affect pre‑existing determinations, so complete any requested exam within the stated timeframe.
Signs, symptoms, or treatment that begin before the waiting period ends are usually considered pre‑existing and excluded.
How are reimbursements calculated and how long do they take?
Reimbursements are paid after your chosen deductible is applied and then at your selected reimbursement percentage up to your annual maximum.
File an itemized invoice and supporting medical records through the portal or by email/fax/mail to start processing.
Processing times vary by claim complexity; straightforward claims are often faster while complex cases can take longer.
If a claim is denied, you may appeal and provide additional documentation under the insurer’s appeals process.
Are pre-existing conditions covered?
Conditions that showed signs, symptoms, or received treatment before the end of the applicable waiting period are generally excluded as pre‑existing.
Bilateral and chronic degenerative conditions are treated as pre‑existing if prior signs existed.
Review your policy for any language about curable conditions or symptom‑free periods that might affect eligibility.
Providing complete prior medical records at enrollment helps clarify whether a condition is pre‑existing.
Does Geico offer telemedicine or emergency support for pets?
Emergency ambulance transport for pets is covered and eligible emergency treatments can be reimbursed under the plan.
Telemedicine is available if you add exam fee or similar coverage that explicitly includes telehealth consultations.
A dedicated 24/7 veterinary hotline is not automatically included unless specified in your selected options—confirm telehealth access when you enroll.
Keep emergency clinic contacts and review your policy materials for teleconsultation procedures and any applicable limits.
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