Geico Pet Insurance Reviews Complete Explanation
Geico Pet Insurance Reviews Complete Explanation
Geico Pet Insurance is an extension of Geico, a prominent insurance provider in the United States. Geico, founded in 1936, offers a wide range of insurance products, including auto, home, renters, and pet insurance.
Geico Pet Insurance Coverage Options:
Geico Pet Insurance offers various coverage options tailored to meet the diverse needs of pet owners. These options may include accident and illness coverage, wellness coverage for routine care, and coverage for alternative therapies.
Geico Pet Insurance Claim Process:
Filing a claim with Geico Pet Insurance is typically straightforward, with policyholders able to submit claims online or through the Geico mobile app. Required documentation may include veterinary invoices, medical records, and proof of payment.
Geico Pet Insurance Reviews and Customer Satisfaction:
Geico Pet Insurance has received positive feedback from satisfied policyholders, highlighting the reliability of coverage, ease of claims processing, and quality of customer service.
To better understand the customer experience, we researched hundreds of reviews on sites like the BBB, Google Reviews and Trustpilot. Since Geico administers its pet insurance through a partnership with Embrace, we’ve included both positive and negative reviews from Embrace policyholders below.
Customers who wrote positive reviews on Trustpilot praised the company’s easy-to-navigate mobile app, quick communication and fast claims processing.
“I have nothing but positives concerning my experience with Embrace during the entire process of Abby’s CCL [cranial cruciate ligament] surgery and rehab. The app is easy to use, communication is excellent and payments are quick. Coverage denial for an issue found during preexisting condition review was satisfactorily narrowed after more information was presented. Could not be more pleased.” — Craig
“Embrace is an awesome company — not only is coverage better than other pet insurance companies, but the employees honestly care about helping the customer. Recently, clarification was needed on a submitted invoice and the representative working on the claim reached out to my vet for clarification — awesome customer service!” — Judith
Most negative customer reviews on Trustpilot mentioned high monthly rate hikes and delays in claims approval.
“I have never had a problem with Embrace because I never had to put in a claim, but I just recently canceled my policy because it keeps raising my rates. Last year (in 2022), it raised [my rate] and I got it lowered by raising my deductible. Now this year my rates jump up by $40 per month. Was with Embrace for seven years, never filed a claim and now I can no longer afford it.” — Henry
“Terrible experience with processing claims. Everything is a preexisting condition and delayed, delayed, delayed. I feel [Embrace] is reaching in order to not pay out! [Embrace] claims it’s unable to retrieve medical history, but in this day and age, I find that laughable. I will not be renewing my pet policy, nor do I trust this company.” — Rhea
Geico Pet Insurance Exclusions and Limitations:
Geico Pet Insurance policies may include exclusions and limitations, such as pre-existing conditions or certain types of treatments. It’s essential for pet owners to review their policy carefully to understand what is covered and what is not.
Whether the Geico Insurance Agency directs you to Embrace or Trupanion, there will be certain exclusions from your pet insurance coverage.
Pre-existing conditions
Pre-existing conditions are any health problem your pet showed symptoms of, got diagnosed with, or received treatment for, before purchasing your pet insurance policy.
While no pet insurance companies cover pre-existing conditions, Embrace will consider if your pet’s condition is curable or incurable. If it is a curable condition (e.g., vomiting, diarrhea, etc.), once your pet has been symptom and treatment-free for one year, Embrace may cover the condition in the future.
Waiting periods
Like most pet insurers, there is a waiting period for both accidents and illnesses before coverage officially begins. Any diseases, injuries, or conditions that develop during the waiting period will be considered pre-existing and not eligible for coverage.
With Trupanion, the waiting period is five days for injuries and 30 days for illnesses.
With Embrace, there is a 48-hour waiting period for accidents and a 14-day waiting period for illnesses. Dogs have a six-month waiting period for orthopedic conditions, but this can be reduced to two weeks if you take your dog for an orthopedic exam after purchasing your policy.
Cosmetic or elective procedures
Procedures deemed not medically necessary, such as tail docking, ear cropping, or declawing, will not be covered by either insurer.
Illnesses or injuries resulting from neglect, fighting, or cruelty
Treatment will not be covered by either insurer if a pet becomes sick or hurt due to a pet owner’s negligence, poor treatment, or other reckless acts.
Breeding and pregnancy
Unless you’ve enrolled in Trupanion’s breeding rider, expenses associated with breeding, pregnancy, whelping, and queening will not be covered.
Geico Pet Insurance Accessibility and Support:
Geico Pet Insurance offers convenient online platforms and customer support channels for policyholders to manage their policies and seek assistance as needed.
Geico Pet Insurance Comparison with Competitors:
Geico Pet Insurance stands out among competitors for its comprehensive coverage options, competitive pricing, and efficient claims processing. It’s a top choice for pet owners seeking reliable coverage for their furry companions.
| Company | Monthly Cost | Star Rating | BBB Rating | Accident Waiting Period | Visit Site |
|---|---|---|---|---|---|
 | $14-$61 | A+ | 48 hours | Compare Plans | |
 | $15-$30 | B- | 2 days* | Compare Plans | |
 | $34-$75 | A- | 14 days | Compare Plans | |
 | $18-$44 | N/R | 14 days | Compare Plans | |
 | $39-$73 | A+ | 48 hours | Compare Plans | |
 | $45-$90 | A+ | 15 days | Compare Plans | |
 | $24-$54 | A+ | 15 days | Compare Plans | |
 | $16-$65 | A+ | 14 days | Compare Plans | |
 | $28-$59 | A+ | 3 days | Compare Plans |
Dog Insurance
As dog parents, it’s important to have good health coverage for your furry family members.
The GEICO Insurance Agency have teamed up with Embrace Pet Insurance and Trupanion to bring you comprehensive dog insurance. This nose-to-tail coverage is for every unexpected accident and illness. Plus, it can also help with diagnostic testing, treatments, and ongoing care.
What’s included with every accident and illness dog policy? Glad you asked, here are some of the most common types of items covered!
Accident and illness dog policies include:
- Accidents like sprains, ACL ruptures, foreign body ingestion, poisonings, or broken bones
- Common illnesses such as: ear infections, vomiting, diarrhea
- Dental illnesses
- Breed-specific, hereditary, and genetic conditions, like hip dysplasia or allergies
- Serious illnesses such as: heart disease, cancer, diabetes
- Chronic conditions like allergies, diabetes, skin conditions or arthritis
- Emergency and specialist veterinary care
- Diagnostic testing related to covered conditions, like fecal exams, urinalysis, and more
- Hospitalization and surgery, including anesthesia, rehab, ongoing care, and more
- Prescription medications
Items excluded from the accident and insurance dog policy:
- Pre-existing conditions
- Routine care costs
- Injury or illness resulting from neglect, cruelty, or fighting
How much does dog insurance cost?
The GEICO Insurance Agency can help you get a customizable plan to fit your budget without sacrificing coverage. Along with the deductible, percent of reimbursement, and payout limits you choose, pricing is based on your location and your dog’s breed, sex, and age. While the cost can vary greatly, you can usually get a comprehensive policy for your dog for $35-$65/month.
Manage your pet insurance online
It’s super easy to manage your pet policy online! With either MyEmbrace or Trupanion member portal you can update your policy, add a pet, submit claims, update contact info, update payment info, and manage your account online.
Watch Geico Pet Insurance on YouTube:
Pet Insurance: Get the answers you’re looking for.
What may not be covered by pet insurance?
- Pre-existing conditions
- An intentional injury caused by you or any other person or pet residing at your home
- Injury or illness sustained from fighting, racing, cruelty, or neglect
- Unless medically necessary, cosmetic procedures like tail docking, ear cropping and dew removal
What do I need to consider before adopting a new pet?
How do I become a good pet parent?
How do I protect my pet from the weather?
Pets rely on you to provide them with protection throughout the year. Winter pet protection involves keeping them warm and protecting them from special winter hazards. Warmer weather poses different hazards, so you need to know how to keep your pet safe and healthy during the Summer.
Why Embrace?
How do I manage my pet insurance policy?
You can contact Embrace at (800) 793-2003 to make a payment or file a claim.
Hours:
Mon – Fri 8:30 AM – 8:00 PM (ET)
Sat 9:00 AM – 1:00 PM (ET)
You can contact Trupanion at (833) 819-1005 to make a payment or file a claim.
Available 24/7/365 at (833) 819-1005
Conclusion of Geico Pet Insurance:
Overall, Geico Pet Insurance provides pet owners with peace of mind, knowing they can afford necessary veterinary care without worrying about the financial burden. With its comprehensive coverage options and excellent customer service, Geico is a trusted partner in caring for pets’ well-being.
