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Our Verdict
Our Verdict
The Geico Insurance Agency has partnered with Embrace and Trupanion to help you find pet insurance for your dog or cat. Both companies offer unlimited annual coverage and flexible reimbursement options. Benefits between the companies differ, so make sure you compare each plan to determine which is the best fit for you.
More: Best Pet Insurance Companies
Pros
- Embrace covers the veterinarian office visit fee for accidents and illnesses.
- Embrace has a waiting period of only 2 days for accident coverage.
- Embrace offers an optional wellness plan.
- Embrace has a 24/7 pet telehealth line.
- Trupanion has no deductibles.
- Trupanion’s pet insurance cost does not increase as your pet gets older.
- Trupanion has no extended waiting period for specific problems like cruciate ligament damage and hip dysplasia.
- Trupanion can pay your vet directly (if your vet has Trupanion’s software).
Cons
- Embrace does not have a range of options for annual coverage and deductibles.
- Embrace has a waiting period of 6 months for coverage of orthopedic conditions, which can be waived if your pet has an orthopedic exam after you purchase a plan.
- Trupanion does not cover vet exam fees.
- Trupanion does not offer an optional wellness plan or access to a 24/7 pet health line.
Compare Plans
Via PetInsurer.com's Secure Website
Maximum annual coverage
Unlimited
Reimbursement choices
Through Embrace: 70%, 80%, 90% Through Trupanion: 50% to 100%
Deductible choices
Through Embrace: $100 Through Trupanion: No deductible
Table of Contents
- Geico Pet Insurance Plans and Coverage
- What Geico Pet Insurance Doesn’t Cover
- Geico Pet Insurance Waiting Periods
- Geico Pet Insurance Coverage Levels
- How Much Does Pet Insurance from Geico Cost?
- How to Save Money on Geico Pet Insurance
- Geico Pet Insurance Availability
- Top-Rated Pet Insurance Plans to Consider
- How Does Geico Pet Insurance Compare to Other Pet Insurance Companies?
- How to Cancel Geico Pet Insurance
- Methodology
- Geico Pet Insurance FAQ
Show more
Geico Pet Insurance Plans and Coverage
The Geico Insurance Agency sells pet insurance from Embrace and Trupanion. When you visit Geico’s website and click to get a pet insurance quote, you’ll be directed to either Embrace or Trupanion’s website.
What’s covered by pet insurance depends on the type of plan you purchase. Here are the types of pet insurance plans you can expect to find.
Pet Accident and Illness Insurance
Both Embrace and Trupanion offer accident and illness plans, which cover the widest range of problems and are the most common type of pet insurance plan. Expenses that are covered under these plans include:
- Accidents such as broken bones and swallowing a foreign object
- Breed specific, congenital and genetic conditions such as allergies, hip dysplasia and intervertebral disc disease
- Chronic conditions such as skin conditions, arthritis and diabetes
- Dental issues such as gingivitis, root canals and extractions
- Hospitalizations and emergency care
- Nursing care
- Diagnostic testing such as MRIs, X-rays and ultrasounds, fecal and urine tests
- Specialist care such as oncologists, behaviorists and internal medicine experts
- Surgeries including anesthesia, rehabilitation and vet/technician time
- Prescription medication
Accident-Only Insurance for Pets
Embrace offers an accident-only policy, which covers injuries like swallowing foreign objects or getting struck by a vehicle. An accident-only policy does not cover illness-related expenses, such a vet bill for an ear infection. Trupanion does not offer an accident-only plan.
Pet Insurance Add-On Benefits
Embrace Wellness Rewards Plan
The Wellness Rewards plan from Embrace allows you to choose among reimbursement levels of $250, $450 or $650 per year. You’ll pay a monthly cost for the wellness plan and you’ll be eligible for reimbursement for the following types of expenses, up to your selected reimbursement level:
- Cremation
- Fecal and routine blood tests
- Flea, tick and heartworm prevention
- Gastropexy
- Grooming
- Hip dysplasia exams, radiographs or other OFA testing
- Medicated shampoos
- Microchipping
- Nutritional supplements
- Prescription diet food
- Preventative teeth cleaning
- Reiki, massage therapy and acupuncture
- Routine anal gland expression
- Routine chiropractic care
- Spay/neuter surgery
- Training
- Toenail trimming
- Wearable pet activity monitors
- Wellness exam fees
- Vaccinations and titers
Trupanion Pet Owner Assistance Package
This add-on to a Trupanion pet insurance policy helps pay for expenses outside of vet costs, such as:
- Advertising and rewards for lost pets
- Boarding fees if you are hospitalized
- Burial or cremation costs
- Liability coverage if your pet damages someone else’s property
- Vacation cancellation costs if you cancel a trip because your pet is ill or injured
Trupanion Recovery and Complementary Care Rider
This add-on to a Trupanion policy covers non-clinical procedures, such as:
- Acupuncture
- Behavioral modification
- Chiropractic care
- Homeopathy
- Hydrotherapy
- Naturopathy
- Physical therapy
- Rehabilitation therapy
What Geico Pet Insurance Doesn’t Cover
Whether you get Geico pet insurance from Embrace or Trupanion, pet insurance always excludes certain types of expenses, such as:
- Pre-existing conditions that happen before your coverage starts.
- Experimental treatment, including diagnostics and treatment that are considered investigational or experimental or not within the standard of care accepted by your state’s medical board.
- Grooming, including baths, dips, shampoos and nail trims
- Food, dietary and nutritional supplements.
- Non-veterinary expenses, such as waste disposal services, record access or copying, or any license or certification and compliance with a government rule or regulation (like a dog license).
Trupanion does not cover veterinarian office visit fees for accidents and illness. It also does not offer an optional wellness plan that covers costs like wellness exams, vaccinations, and flea, tick and heartworm prevention.
Although pre-existing conditions aren’t covered by most pet insurance plans, some do provide pet insurance for pre-existing conditions that are curable, albeit with limitations. For example, Embrace covers curable pre-existing conditions as long as they occur at least 12 months apart from each other. Common curable pre-existing conditions can include bladder, ear and respiratory infections.
Geico Pet Insurance Waiting Periods
Pet insurance companies have what are known as waiting periods, which is a specific amount of time between when you purchase the plan and when your coverage begins.
Embrace Waiting Periods
Embrace has a two-day waiting period for accidents and a 14-day waiting period for illnesses.
The two-day waiting period for accidents is one of the shortest waiting periods you’ll come across when comparing it with other pet insurers. However, the 14-day illness waiting period is average across the industry.
Embrace also has a six-month waiting period for dog orthopedic conditions. You can have this waiting period reduced to 14 days if you complete an orthopedic exam and waiver process. The orthopedic exam must be completed within the first 14 days of your pet insurance policy. If it is not completed within the first 14 days, the waiting period will be bumped down to the day of your dog’s orthopedic exam.
Trupanion Waiting Periods
Trupanion has a different approach to waiting periods. After you buy a policy, there is a 12-day period before your coverage kicks in. During that time, you won’t be charged a pet insurance premium. Once the 12-day period passes, your coverage starts and your pet will be covered for accidents and illnesses.
Geico Pet Insurance Coverage Levels
| Maximum annual limit | Deductible options | Reimbursement options | |
|---|---|---|---|
| Embrace | Unlimited | $100 | 70%, 80%, 90% |
| Trupanion | Unlimited | No deductible | Choice of a reimbursement level between 50% and 100% |
Geico Pet Insurance Maximum Annual Limit Options
The cap on the amount your insurer will reimburse you during a year is known as the annual coverage limit. Embrace and Trupanion both have unlimited annual coverage.
Geico Pet Insurance Deductible Options
The deductible is how much you need to pay to the vet before your coverage starts and you get reimbursed. Embrace offers one choice of a deductible amount—$100. Trupanion has no deductible.
Geico Pet Insurance Reimbursement Options
When you pay up front for a pet’s medical expenses, you submit a claim for reimbursement for problems covered by your policy afterward. With an Embrace pet insurance policy, you can choose a reimbursement level of:
- 70%
- 80%
- 90%
Trupanion offers you the choice of a reimbursement level between 50% and 100%.
How Much Does Pet Insurance from Geico Cost?
Embrace pet insurance costs an average of $58 per month for a policy with unlimited coverage, a $500 deductible and 90% reimbursement level, according to Forbes Advisor’s analysis of pet insurance costs.
Trupanion pet insurance costs an average of $60 per month for a policy with unlimited annual coverage and a 90% reimbursement level. Trupanion does not have a pet insurance deductible.
Your pet insurance costs will vary depending on several factors, such as:
- Age of pet
- Breed
- Local veterinarian costs in your area
Examples of Embrace and Trupanion Pet Insurance Cost by Breed
| Dog breed | Embrace average cost per month | Trupanion average cost per month | ||
|---|---|---|---|---|
| Chihuahua | $36 | $56 | ||
| French bulldog | $111 | $158 | ||
| German shepherd | $72 | $111 | ||
| Golden retriever | $72 | $99 | ||
| Goldendoodle | $52 | $70 | ||
| Mixed breed (large) | $56 | $96 | ||
| Mixed breed (medium) | $48 | $74 | ||
| Mixed breed (small) | $41 | $61 | ||
| Shih Tzu | $50 | $54 | ||
| Yorkshire terrier | $41 | $68 | ||
| Source: PetInsurer.com. Costs are based on unlimited annual coverage with a 90% reimbursement level. Costs for Embrace include a $250 deductible. Trupanion does not have a pet insurance deductible. | ||||
How to Save Money on Geico Pet Insurance
Geico pet insurance through Embrace offers the following discounts:
- 5% to 10% multipet discount
- 5% military discount
Trupanion does not offer any discounts.
You can lower your Geico pet insurance costs through Embrace or Trupanion by lowering your reimbursement level. For example, a 70% reimbursement level will be less expensive than a 90% reimbursement level, but you will have to pay more out of pocket if you file a pet insurance claim.
Geico Pet Insurance Availability
Geico pet insurance through Embrace or Trupanion is available in all 50 states and Washington, D.C.
Top-Rated Pet Insurance Plans to Consider
| Company | Reimbursement choices | Deductible choices | Forbes Advisor rating |
|---|---|---|---|
| Embrace | 70%, 80%, 90% | $100 |
|
| ManyPets | 70%, 80%, 90% | $100, $250, $500 |
|
| Spot | 70%, 80%, 90% | $100, $250, $500, $750, $1,000 |
|
| Pumpkin | 90% | $100, $250, $500 |
|
| Figo | 70%, 80%, 90%, 100% | $100, $250, $500, $750 |
|
| Lemonade | 70%, 80%, 90% | $100, $250, $500 |
|
| Pets Best | 70%, 80%, 90% | $50, $100, $200, $250, $500, $1,000 |
|
| Trupanion | 50% to 100% | No deductible |
|
How Does Geico Pet Insurance Compare to Other Pet Insurance Companies?
Here’s a look at how Geico pet insurance compares to Healthy Paws pet insurance, Pets Best and Spot.
Embrace Pet Insurance vs. Trupanion Pet Insurance vs. Healthy Paws Pet Insurance
| Rating and coverage details | Embrace pet insurance | Trupanion pet insurance | Healthy Paws pet insurance |
|---|---|---|---|
| Forbes Advisor rating |
|
|
|
| Accident coverage waiting period | 2 days | 12-day delay before policy is effective | 15 days |
| Illness coverage waiting period | 14 days | 12-day delay before policy is effective | 15 days |
| Special waiting periods | 6 months for orthopedic conditions | None | 12 months |
| Pays for the vet exam fee? | Yes | No | No |
| Optional wellness plan available? | Yes | No | No |
| 24/7 vet helpline available? | Yes | No | Yes |
Embrace Pet insurance vs. Trupanion Pet Insurance vs. Pets Best Pet Insurance
| Rating and coverage details | Embrace pet insurance | Trupanion pet insurance | Pets Best pet insurance |
|---|---|---|---|
| Forbes Advisor rating |
|
|
|
| Accident coverage waiting period | 2 days | 12-day delay before policy is effective | 3 days |
| Illness coverage waiting period | 14 days | 12-day delay before policy is effective | 14 days |
| Special waiting periods | 6 months for orthopedic conditions | None | 6 months for cruciate ligaments, 14 days for hip dysplasia |
| Pays for the vet exam fee? | Yes | No | Included |
| Optional wellness plan available? | Yes | No | Yes |
| 24/7 vet helpline available? | Yes | No | Yes |
Embrace Pet Insurance vs. Trupanion Pet Insurance vs. Spot Pet Insurance
| Rating and coverage details | Embrace pet insurance | Trupanion pet insurance | Spot pet insurance |
|---|---|---|---|
| Forbes Advisor rating |
|
|
|
| Accident coverage waiting period | 2 days | 12-day delay before policy is effective | 14 days |
| Illness coverage waiting period | 14 days | 12-day delay before policy is effective | 14 days |
| Special waiting periods | 6 months for orthopedic conditions | None | None |
| Pays for the vet exam fee? | Yes | No | Yes |
| Optional wellness plan available? | Yes | No | Yes |
| 24/7 vet helpline available? | Yes | No | Yes |
How to Cancel Geico Pet Insurance
To cancel an Embrace pet insurance policy, contact Embrace:
- Phone: (800) 511-9173
- Email: hello@embracepetinsurance.com
To cancel a Trupanion policy, contact the company:
- Call (888) 733-2685
- Email info@trupanion.com
- Live chat with a representative
Methodology
To find the best pet insurance we used data provided by PetInsurer.com to score each pet insurance company based on the following:
Pet insurance rates: 40% of score. We calculated average rates for dogs for plans with unlimited coverage, a $500 deductible and a 90% reimbursement level, or the closest options available.
Special waiting period: 10% of score. Many pet insurance companies have a special waiting period for problems such as cruciate ligament issues and hip dysplasia. Plans that had no waiting period, a waiting period of fewer than six months or the ability to have the waiting period waived scored higher.
Direct payment to vet: 10% of score. Pet insurance companies that have the ability to pay a vet directly earned points.
24/7 vet health line: 10% of score. Insurers that provide access to a 24/7 vet health line scored in this category.
Routine wellness plans: 10% of score. Insurers that offer optional wellness plans earned points.
Pays veterinary exam fees: 10% of score. Not all insurers cover exam fees, even if the fee is for an illness or accident-related visit. Plans that cover the vet exam fee scored in this category.
Euthanasia or end of life expenses: 5% of score. Insurers that cover end of life expenses, such as euthanasia, cremation or burial fees, scored in this category.
Multipet discount: 5% of score. Many pet insurance companies offer a discount if you insure more than one pet. Insurers that offer a multipet discount earned points.
Geico Pet Insurance FAQ
Can I add multiple pets to my Geico pet insurance policy?
Yes, Geico pet insurance through Embrace or Trupanion offers multipet insurance. You’ll need to buy a separate policy for each dog and cat, but you’ll be able to manage each policy from a single account.
Embrace offers a 10% multipet discount if you insure more than one dog or cat. Trupanion does not offer a multi-pet discount.
Is Geico a good insurance company for pets?
Geico pet insurance has partnered with both Embrace and Trupanion. Embrace pet insurance scored 5 out of 5 stars in our analysis of the best pet insurance companies. Trupanion scored 4 out of 5 stars.
Embrace has a short two-day waiting period for accidents. Pet owners will also have access to a 24/7 pet telehealth line and the option to purchase a wellness plan.
Trupanion has no pet insurance deductible and flexible reimbursement levels between 50% and 100%. It also pays your vet directly (if your vet has Trupanion’s software). Trupanion does not have an extended waiting period for problems like cruciate ligament issues or hip dysplasia.
The best way to identify a good pet insurance company that provides benefits you want at an affordable price is to compare pet insurance quotes from multiple companies.
Does Geico pet insurance work with any vet?
Pet insurance through Geico works with any licensed vet or emergency practice in the U.S.
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FAQs
How does pet insurance verify? ›
How do pet insurance companies know about pre-existing conditions? Many pet insurance companies will require a veterinary examination or medical history review before covering your pet. These reviews are intended to identify any pre-existing conditions that the insurance company won't cover.
Does pet insurance premium increase every year? ›It's true that you can generally expect your pet's insurance coverage cost to increase each year, along with their ever-increasing age. However, this doesn't mean that there aren't things you could—and sometimes should—consider changing about that coverage as time goes on.
Can I get pet insurance after a diagnosis? ›Can you get pet insurance after a diagnosis? Yes, you can still get pet insurance to cover future injuries and/or illnesses, depending on your pet insurance coverage type.
What pet insurance has the shortest wait time? ›- Lemonade: Most affordable plans.
- Spot: Most customizable.
- Trupanion: Most flexible deductible.
- Fetch by The Dodo: Our pick for therapy coverage.
- Embrace: Our pick for savings.
- Figo: Most flexible reimbursement rates.
- Pets Best: Our pick for senior pets.