Insuring your furry friend can provide peace of mind by helping cover veterinary costs if your pet gets sick or injured. But pet insurance plans and pricing can vary widely between providers. So how much does pet insurance cost with Geico? Here’s a breakdown of Geico’s pet insurance plans and pricing.
What is Geico Pet Insurance?
Geico is best known as a leading auto insurer, but the company also offers pet insurance plans. Geico’s pet insurance helps pay veterinary expenses for accidents, illnesses, surgeries, prescription medications, and more.
Geico partners with Embrace Pet Insurance to provide coverage. Embrace is an established pet health insurance provider with over 20 years of experience. Embrace underwrites Geico Pet Insurance plans, and they bear the Geico name.
With Geico Pet Insurance, you can choose reimbursement percentages of 70%, 80%, or 90% of covered vet bills. There are three main plans to take from:
Accident & Illness Plan: Covers both accidents and common illnesses. This is Geico’s most comprehensive pet insurance plan.
Accident-Only Plan: Covers only accidents like broken bones, bites, cuts. Does not cover illnesses.
Wellness Plan: Covers preventive care like vaccinations, checkups, flea/tick/heartworm medication. Does not cover accidents or illnesses. Can be added onto the other plans.
Geico Pet Insurance Pricing Factors
Geico pet insurance plans are highly customizable, so costs can vary quite a bit from pet to pet. Several factors impact your personalized monthly premium:
Species: Dogs, cats, birds and exotic pets have different rates.
Breed: Some breeds are predisposed to medical conditions that can increase premiums.
Age: Young pets have lower rates than senior pets. Pets over 10 years old have the highest premiums.
Location: Costs are partly based on the typical vet costs in your geographic area. Urban areas tend to have big rates.
Coverage Type: The Accident & Illness plan costs more than the Accident-Only plan. Wellness coverage adds an additional premium.
Reimbursement Percentage: Policies with higher reimbursement come with higher premiums.
Deductible Amount: You pay less in monthly premiums for a higher annual deductible.
For exact pricing, you’ll need to get a personalized pet insurance quote from Geico based on your pet’s unique factors. Most pet insurance companies, including Geico, do not publicly list their pricing online.
How Much Does Geico Pet Insurance Cost on Average?
While each pet’s policy costs differently, here are some average monthly costs for Geico’s pet insurance plans:
- Accident & Illness – $35-$55 per month for dogs, $18-$35 per month for cats
- Accident Only – $10-$25 per month for dogs, $8-$15 per month for cats
- Wellness – $15-$25 per month as an add-on to other plans
So for a healthy dog under age 7 with the Accident & Illness plan, you may pay around $45 per month. Add Wellness coverage and it could be $60 per month. An adult cat over age 10 may pay around $25 per month for Accident Only coverage.
What Do Geico Pet Insurance Plans Cover?
Geico Pet Insurance policies cover a wide range of veterinary costs related to accidents, injuries and common illnesses. Here are some highlights of covered services:
Accidents: Injuries from events like broken bones, cuts, insect stings, foreign object ingestion, electrocution, poisoning, trauma from a car accident, etc.
Illnesses: Ear infections, skin conditions, allergies, urinary tract infections, vomiting/diarrhea, parasites, cancer, and hundreds more illnesses depending on the policy. Pre-existing conditions are not covered.
Surgeries: Medically necessary surgical procedures performed by a licensed vet are covered, including injuries, illnesses, cancers. May include ACL repairs, gastrointestinal surgery, tumor removal and more. Excludes elective procedures like spaying/neutering.
Hospitalization: If your pet needs emergency hospitalization, policies cover the costs of the veterinary team’s service, like surgery, imaging, medical supplies.
Medications: Prescription medications prescribed by your vet for covered medical conditions may be eligible for reimbursement.
Chronic conditions: Chronic illnesses like diabetes, arthritis, allergies are covered with the Accident & Illness plan.
Wellness: With this optional add-on plan, vaccines, flea/tick/heartworm prevention, routine wellness exams, teeth cleanings, bloodwork and more preventive care is covered.
Other common exclusions include pre-existing conditions, grooming/boarding, prescription food, elective/cosmetic procedures, breeding and obedience training costs.
How Does Geico Pet Insurance Compare to Other Providers?
Geico partners with Embrace for their pet insurance plans. How does coverage and pricing compare to other top pet insurance providers?
Geico tends to have lower premiums than some competitors like Healthy Paws and Trupanion, and is more affordable for budget-conscious pet owners. They offer a generous 90% reimbursement option not seen with other insurers.
However, maximum annual payouts may be lower than other brands, ranging from $5,000 to $15,000 per year depending on the plan. Competitors often go up to $20,000 or offer unlimited coverage. So Geico may not be the best option for pets prone to major medical expenses.
Pre-existing conditions are also not covered with Geico’s policies, unlike some pet insurers that cover conditions once the pet has been symptom-free for 12-24 months.
Geico also has a shorter waiting period than many other pet insurance brands before coverage kicks in. Accident coverage starts right away with no waiting period. Illness coverage has a common 3 day waiting period for both cats and dogs, whereas competitors range from 14-30 days typically.
Key Takeaways: Who is Geico Best For?
Pet owners seeking an affordable, customizable policy with generous 90% reimbursement option.
Those wanting quick coverage with no waiting period for accidents and just 3 days for illnesses.
Owners of younger, generally healthy pets without pre-existing conditions.
People already insured with Geico for the multi-policy discount.
Geico pet insurance likely isn’t the best choice for purebred dogs prone to hereditary conditions or pets with known chronic illnesses. Maximum payouts may also be too low for pets likely to incur very high vet bills.
How to Enroll for Geico Pet Insurance
If Geico Pet Insurance sounds like a good fit for your pet, here are steps to enroll:
1. Get a quote. Go to geicopetinsurance.com and enter your zip code, pet’s species, breed and age to begin the quote process. This provides estimated pricing.
2. Complete the application. Provide more details like medical history, care details, contact info. This gives you an official quote.
3. Submit payment for your first month’s premium to activate coverage.
4. Take your pet to the vet within 60 days to avoid issues with pre-existing conditions.
5. Pay premiums monthly or annually to keep your policy active.
6. File claims by submitting itemized veterinary bills and medical records through Geico’s online portal or app. You’re reimbursed a percentage back based on your coverage.
Get More Details from Geico Pet Insurance
Pet insurance can save thousands of dollars in vet expenses over your furry friend’s lifetime. But costs and coverage options vary widely between pet insurers. Check out firsthand quotes from Geico Pet Insurance to find a personalized policy for your pet’s needs and budget. Then you can enjoy the peace of mind that comes with protection against unexpected vet bills.
