Geico Pet Insurance 2025: Honest Review, Plans & Savings Guide

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At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the market every year to provide you with reliable and unbiased analysis. Thanks to this thorough approach, hundreds of thousands of users across the United States trust us each month to help guide them through their most important financial decisions.

Geico Guarantees

Geico pet insurance, administered by Embrace, offers a single customizable plan covering both accidents and illnesses for dogs and cats, with reimbursement rates typically ranging from 70% to 90% and annual deductibles starting as low as $100. Coverage includes major medical events such as cancer, hereditary conditions, surgeries, diagnostics, hospitalization, and dental care (illness, extractions, up to a set limit), with an optional Wellness Rewards package for routine care in most states.
A key strength is flexibility: pet owners can fine-tune reimbursement rates, annual coverage limits, and deductibles to balance premium with out-of-pocket costs, and there are no per-incident sublimits for most core treatments. However, policies exclude pre-existing conditions, require an initial health exam for full illness coverage, and do not provide civil liability; cosmetic procedures and behavioral treatments are also excluded unless medically necessary.
Geico’s offering is best suited for those seeking robust, major-medical pet insurance with a flexible wellness option, but limited if you need coverage for behavioral, liability, or advanced alternative therapies.

Compare Geico’s options to find the best-value plan for your pet’s needs.

Important Policy Details

Dental illness coverage has a $1,000 annual sub-limit.

Preventive care (vaccinations, microchipping, wellness exams) and behavioral treatments are only reimbursed under the Wellness Rewards option, which is non-insurance and available in most states.

6-month waiting period for orthopedic claims in dogs (may be reduced by orthopedic exam/waiver).

Geico Exclusions

The GEICO pet insurance policy, administered by Embrace, features several standard exclusions such as pre-existing conditions, injuries or illnesses resulting from abuse, neglect, cruelty, or intentional harm, and cosmetic or elective procedures like tail docking and ear cropping unless medically necessary.

Additionally, the policy excludes treatments associated with fighting, racing, or commercial exploitation, as well as expenses caused by owner disregard for required vaccines.

Unlike some competitors, GEICO does not cover non-prescribed alternative therapies, nutrition or supplements (except for specific prescribed diets), or procedures performed by the policyholder on their own animals.
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Breeding-related treatments, organ transplants, and injuries resulting from government action, war, pandemic, or nuclear/chemical/biological events are also systematically excluded.

Geico Prices

Discover your best plan: compare monthly premiums by pet type and age to find the right price for your needs.

Geico Promo Codes

Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.

Geico reimbursement amounts: What to expect

With Geico’s highest-tier pet insurance plan (administered by Embrace), once you meet your annual deductible, your eligible veterinary expenses are typically reimbursed at 90% up to your annual coverage limit—significantly reducing your out-of-pocket costs compared to paying for veterinary care yourself.

Reimbursement Calculation

Consultation for allergic dermatitis Total veterinary cost: $150 (exam and medication) Deductible to subtract: $100 (first claim of the year) Amount eligible after deductible: $150 – $100 = $50 90% reimbursement: $50 × 90% = $45 👉 You receive a reimbursement of $45. ℹ️ After you pay your annual deductible once, future reimbursements apply without further deductible until renewal.

Cruciate Ligament Surgery Reimbursement

Total veterinary cost: $2,000 Deductible already met earlier in the policy year 90% reimbursement: $2,000 × 90% = $1,800 👉 You receive a reimbursement of $1,800. Your out-of-pocket cost for this claim: $200 ℹ️ Surgery and aftercare are subject to the reimbursement rate and annual policy limit. Pre-existing conditions are excluded.

Emergency hospitalization for pancreatitis - Reimbursement Details

Total veterinary cost: $3,500

Deductible already paid during the same insurance year

90% reimbursement: $3,500 × 90% = $3,150

👉 You receive a reimbursement of $3,150.

Your out-of-pocket cost for this claim: $350

ℹ️ The annual limit applies—if you have a policy with unlimited annual payout, the full amount is covered up to the reimbursement rate.

Geico Assistance

Geico, through its partnership with Embrace, provides a user-friendly paperless claims process via a dedicated web portal, which streamlines claim submissions but lacks a standalone mobile app for policy management.

There is no advance payment or direct pay service at the veterinarian, so policyholders must pay up front and wait for reimbursement—a disadvantage for those with high or urgent expenses.

Emergency veterinary hotline and telehealth options are not included, meaning owners must rely on their own vet or external services for after-hours advice.
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No installment payment facility is advertised, and the Geico product does not offer a curated partner network of clinics—members can access any licensed U.S. veterinarian but don't benefit from negotiated rates or cashless experiences.

Coverage outside the U.S. is technically possible for short-term travel but restricts claims to emergency medical care and excludes sustained or long-term stays abroad.

Customer Reviews of Geico

We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to Geico pet insurance often mention:

• ✅ An affordable premium structure compared to some traditional pet insurers.
• ✅ The convenience of managing claims online and the ability to visit any licensed vet.
• ✅ Clear and responsive customer support, with helpful agents for policy questions.
• ✅ Efficient reimbursement for eligible claims when documentation is complete.

On the negative side:

• A high number of claims denied due to pre-existing condition and waiting period exclusions.
• Some dissatisfaction with slow reimbursement speeds during busy periods.
• Annual increases in premiums as pets age, which can be significant for older animals.
• The absence of wellness or preventive care in basic plans, leading to out-of-pocket costs for routine check-ups.
• Reports of difficulties canceling policies or getting pro-rated refunds in certain cases.
• Frustration with coverage limits and strict definitions around eligible treatments and chronic issues.

How to contact Geico?

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Jordan Mitchell

Jordan is a U.S.-based personal finance editor with over a decade of experience in financial literacy and consumer advocacy. He holds a BA in Economics from the University of California, Berkeley, and a CFP® certification. Before joining HelloSafe, Jordan worked as a financial advisor and later as lead content strategist at several fintech startups. His mission: making money management clear, relatable, and empowering for everyday Americans. At HelloSafe, he writes in-depth guides on topics like insurance, credit, loans, savings, and budgeting—focused on helping readers make smart, confident financial choices.