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How Much Does Geico Pet Insurance Cost? 2024 Update

Ashley Bates

By Ashley Bates

cat and dog lying on the floor

Pet insurance is growing in popularity as more insurance companies start to offer policies that cater to our beloved four-legged friends. Geico offers comprehensive coverage for pets, possibly alongside additional Geico coverage, such as car and home insurance. Geico has a monthly fee of $22 to $65.

Here, we go over exactly what you can expect to pay if you opt for this insurance company. We also share other things that you can possibly bundle for savings.

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The Importance of Pet Insurance

Pet insurance provides a layer of protection and coverage for your pets. Vet care can be pricey, and sometimes we can’t afford all of the unexpected expenses that can occur during emergency situations or extreme health cases.

Opting for pet insurance helps to put an extra layer of reassurance that your pet can get the care they need when the time comes. You must enroll your pet early, though, as policies tend to increase in price as they age.

Also, many insurance companies do not cover pre-existing conditions, so early coverage is essential to cover anything that might crop up as your pet grows. Ongoing medical issues can be costly to treat.

Unless your dog was born with a genetic or hereditary health condition, you could always get ahead by getting insurance coverage as soon as you bring home your kitten or dog.

How Much Does Geico Pet Insurance Cost?

Geico’s pet insurance is actually a partnership with Embrace Pet Insurance for Geico customers. Like any other type of coverage, the actual cost of your pet’s insurance policy will depend on the type of pet you have, their age and current health, and your budget.

The Geico insurance company can fit you with a customizable plan that will cover all needed areas. Once you get the appropriate policy for your pet, there is a waiting period for accidents of at least 2 days. The illness waiting period is 14 days because most insurance companies do not cover pre-existing conditions. If something is wrong with your pet at the time of enrollment and you know that, you could misuse the insurance system to cover something that you know would not be covered otherwise. It is a way for the company to cover its bases and ensure that the policy exists honestly.

So, here are the averages that you can expect in the following categories when it comes to price. For a more accurate estimate, you will have to contact Geico’s customer service to get a direct quote.

Geico Pet Insurance Costs

Deductible $200–$500
Monthly Premium $22–$65
Reimbursement 70%–90%

Keep in mind that there are age limitations here. Dogs and cats that are 14 and younger can opt for a full accident and illness coverage policy. However, pets that are older than 15 years can only receive the accident policy. If you sign up with this company, your coverage is locked in for life.

This company also offers a vanishing deductible, meaning that your policy deductible could go down to zero if you use the insurance coverage infrequently.

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Additional Costs to Anticipate

It’s important to remember that not every procedure done at the veterinary office is covered under insurance. Geico does not cover preventative care, which means you will have to pay out-of-pocket for things like vaccinations, general wellness visits, and spay or neuter surgery.

Also, the cost can rise as your pet ages. Cheaper coverage generally exists when dogs and cats are very young. As your pet ages, the likelihood and risk factors for specific health conditions increase. So, you might notice your monthly premiums rising slowly over the years.

Keep in mind that with this pet insurance, you are responsible for footing 100% of the vet bill up front, and you will later be reimbursed. This can be slightly confusing and slightly off-putting to people who are trying to reduce the risks of additional funds.

Some insurance companies pay veterinarians directly, though, so you don’t have to wait to be reimbursed. If paying the total price up front and accepting reimbursement later sounds like something that you’re fine with, most companies are good to consider. However, if you want instant protection, you might want to compare a few companies first.

What Does Geico Pet Insurance Cover?

Embrace Pet Insurance teamed up with Geico to offer similar coverage to existing pet-owning customers.

Here is a list of coverages per the company's website:
  • Breed-specific conditions
  • Cancer treatment
  • Diagnostic testing and imaging
  • Surgery
  • Hospitalization
  • Complementary therapy
  • Rehabilitation
  • Emergency care
  • Specialist care
  • Exam fees
  • Prescription coverage

Does Geico Pet Insurance Cover Pre-existing Conditions or Routine Care?

Geico’s pet insurance does not cover pre-existing conditions or routine care as a part of policy coverage. It also does not cover costs associated with training. If that interests you, other insurance companies offer routine coverage for a select few plans. But most insurance companies across the board do not cover pre-existing conditions.

Also, remember that Geico insurance does not cover domesticated pets outside of dogs and cats. So, if you own an exotic pet, such as a bird, small cage animal, reptile, or otherwise, you might want to check out Nationwide coverage instead.

How Often Should You Use Pet Insurance?

Pet insurance coverage is an added layer of protection to alleviate concerns about your pet’s medical health. With luck, you won’t have to use your pet insurance coverage often. However, anything can happen.

So, how often your pet will need their insurance coverage depends greatly on their standing health and happenstance. It’s ideal to use pet insurance as infrequently as possible. The more you use it, the less likely you will receive certain perks later. Some companies have a vanishing deductible, meaning that if you don’t use your insurance, your deductible slowly goes to zero.

But insurance is there to cover things when you need it. It is a nice cushion to have if your pet ever develops any ongoing conditions requiring frequent treatments or medications.

Keep in mind that if you ever lapse in coverage, there will be changes if you plan to enroll again. Any condition that your pet was diagnosed with during the time of your previous policy will be considered a pre-existing condition and will no longer be covered in a future policy.

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If Geico pet insurance sounds like something you want to check out for your pet, you can always get a free quote on the website. Customer service representatives will be on standby to answer any questions and get a policy started if you so choose.

Remember that there are other coverage options available through companies nationwide. Make sure to shop around to conclude that Geico is, in fact, the best insurance company that you can choose. It did collaborate with Embrace Pet Insurance, which you can also get as a standalone service. Geico pet insurance works best for people who already have existing Geico policies.

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Featured Photo Credit: New Africa, Shutterstock

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