GEICO's pet insurance (offered through Embrace) scores 2.3 out of 5 for cats and 2.55 for dogs in MoneyGeek's analysis. The company excels in customer experience but scores low in affordability, ranking 14th for cats and 12th for dogs in this category. GEICO requires a two-day waiting period for accidents, shorter than most competitors offer.
GEICO Pet Insurance Review
Updated: October 13, 2025
Advertising & Editorial Disclosure
GEICO Pet Insurance Review: Key Takeaways
GEICO ranks 14th for cat insurance affordability and 12th for dog insurance, with monthly premiums averaging $46 for cats and $73 for dogs.
Ranking sixth nationally for customer experience, GEICO maintains strong ratings with an A+ BBB rating and 4.3 out of 5 stars on Trustpilot for pet insurance services.
GEICO ranks tenth nationwide for coverage, offering comprehensive accident and illness insurance with an optional wellness rewards program for preventive care.
GEICO Pet Insurance Ratings
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Pet Type:Dog
| Affordability | 2.22 | 12 |
| Coverage | 1.90 | 10 |
| Customer Experience | 3.54 | 6 |
| Overall Score | 2.55 | 13 |
WHO IS GEICO PET INSURANCE BEST FOR?
GEICO Pet Insurance ranks among the best pet insurance companies for owners wanting flexible, low deductibles and unlimited payout limits. The provider includes hereditary condition coverage, exam fees and behavioral treatments in base plans without extra costs. Its six-month waiting period for orthopedic conditions may delay coverage for joint issues.
GEICO Pet Insurance Ratings by State
GEICO offers pet insurance policies nationwide across all 50 states. The company achieves its highest overall ranking of 11th place in six states for dogs and one state for cats. While GEICO does not secure top rankings in any category, it maintains consistent mid-tier performance with sixth place for customer experience and 10th place for coverage across all states.
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Category:Affordability
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Pet Type:Dog
| Alabama | 2.52 | 12 |
| Alaska | 2.42 | 12 |
| Arizona | 2.53 | 12 |
| Arkansas | 3.13 | 12 |
| California | 1.99 | 13 |
| Colorado | 1.91 | 13 |
| Delaware | 2.28 | 12 |
| Connecticut | 2.22 | 12 |
| Florida | 2.42 | 12 |
| Georgia | 2.10 | 12 |
| Idaho | 2.65 | 12 |
| Hawaii | 1.85 | 12 |
| Illinois | 3.05 | 12 |
| Indiana | 2.36 | 12 |
| Iowa | 2.21 | 13 |
| Kansas | 2.63 | 12 |
| Kentucky | 2.57 | 12 |
| Louisiana | 2.34 | 12 |
| Maine | 2.28 | 12 |
| Maryland | 2.31 | 12 |
| Massachusetts | 2.11 | 12 |
| Michigan | 2.37 | 12 |
| Minnesota | 2.23 | 12 |
| Mississippi | 2.45 | 12 |
| Missouri | 2.53 | 12 |
| Nebraska | 2.96 | 12 |
| Montana | 2.48 | 12 |
| Nevada | 2.79 | 12 |
| New Hampshire | 2.06 | 12 |
| New Jersey | 2.39 | 12 |
| New Mexico | 2.68 | 12 |
| North Dakota | 2.80 | 12 |
| New York | 2.40 | 12 |
| North Carolina | 2.14 | 13 |
| Ohio | 1.68 | 13 |
| Oklahoma | 2.66 | 12 |
| Pennsylvania | 2.49 | 12 |
| Oregon | 1.76 | 13 |
| Rhode Island | 2.37 | 12 |
| South Carolina | 2.26 | 12 |
| Tennessee | 2.79 | 12 |
| South Dakota | 2.17 | 12 |
| Texas | 2.49 | 12 |
| Vermont | 2.30 | 12 |
| Utah | 1.68 | 12 |
| Virginia | 2.26 | 12 |
| Washington | 2.89 | 12 |
| West Virginia | 2.48 | 12 |
| Wisconsin | 2.17 | 12 |
| Wyoming | 2.67 | 12 |
GEICO Pet Insurance Comparison
See how GEICO pet insurance fares against national competitors below.
GEICO vs. AKC | • Dogs: 2.55 vs. 4.30 • Cats: 2.30 vs. 3.85 | AKC scores higher across all categories, especially coverage. GEICO lags in affordability and overall scores. |
GEICO vs. ASPCA | • Dogs: 2.55 vs. 3.85 • Cats: 2.30 vs. 3.35 | ASPCA offers better affordability and overall scores. GEICO trails in every category. |
GEICO vs. Fetch | • Dogs: 2.55 vs. 2.70 • Cats: 2.30 vs. 2.95 | Fetch beats GEICO on coverage, while GEICO rates slightly better on affordability. Both score low on customer experience. |
GEICO vs. Figo | • Dogs: 2.55 vs. 3.60 • Cats: 2.30 vs. 3.80 | Figo outpaces GEICO in affordability, coverage and overall scores. |
GEICO vs. Hartville | • Dogs: 2.55 vs. 3.50 • Cats: 2.30 vs. 3.90 | Hartville offers better affordability and coverage. GEICO ranks lower across nearly all categories. |
GEICO vs. Lemonade | • Dogs: 2.55 vs. 4.50 • Cats: 2.30 vs. 4.25 | Lemonade costs less and scores higher overall. GEICO scores lower in coverage and affordability. |
GEICO vs. Liberty Mutual | • Dogs: 2.55 vs. 2.65 • Cats: 2.30 vs. 2.30 | Both have low scores, but Liberty Mutual holds a small affordability edge while GEICO performs slightly better on customer service. |
GEICO vs. MetLife | • Dogs: 2.55 vs. 3.05 • Cats: 2.30 vs. 2.40 | MetLife leads in affordability, but GEICO scores higher in customer experience. Coverage scores are weak for both. |
GEICO vs. Nationwide | • Dogs: 2.55 vs. 2.50 • Cats: 2.30 vs. 2.65 | Nationwide scores lower on affordability but offers better coverage. GEICO edges it on dog scores. |
GEICO vs. Pets Best | • Dogs: 2.55 vs. 4.05 • Cats: 2.30 vs. 3.80 | Pets Best delivers stronger affordability and coverage, outpacing GEICO in nearly all categories. |
GEICO vs. Pumpkin | • Dogs: 2.55 vs. 3.70 • Cats: 2.30 vs. 4.15 | Pumpkin scores higher on affordability and overall performance. GEICO scores lower across all areas. |
GEICO vs. Rainwalk | • Dogs: 2.55 vs. 4.05 • Cats: 2.30 vs. 3.95 | Rainwalk excels in customer service and affordability. GEICO scores lower in most categories. |
GEICO vs. Spot | • Dogs: 2.55 vs. 3.75 • Cats: 2.30 vs. 4.15 | Spot scores higher in affordability, coverage and customer service. GEICO ranks lower overall. |
How Much Does GEICO Pet Insurance Cost?
GEICO's pet insurance costs an average of $73 monthly ($874 annually) for dogs and $46 monthly ($547 annually) for cats. Your premium depends on several factors, including your location and pet breed.
| Dog | $73 | $60 | $874 | $723 | 21% |
| Cat | $46 | $32 | $547 | $379 | 44% |
GEICO Pet Insurance Rates by State
Pet insurance rates vary by state based on veterinary costs and local claim patterns. GEICO offers the cheapest pet insurance for cats in Arkansas at $29 monthly and the most expensive coverage in Maine at $61. For dogs, GEICO provides the lowest monthly rate in Arkansas at $46 and the highest in Maine at $97.
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Pet Type:Dog
| Alabama | $55 | $665 |
| Alaska | $69 | $831 |
| Arizona | $84 | $1,008 |
| Arkansas | $46 | $551 |
| California | $94 | $1,133 |
| Colorado | $95 | $1,143 |
| Connecticut | $83 | $991 |
| Delaware | $72 | $865 |
| Florida | $80 | $955 |
| Georgia | $66 | $798 |
| Hawaii | $77 | $929 |
| Idaho | $69 | $825 |
| Illinois | $79 | $943 |
| Indiana | $66 | $787 |
| Iowa | $65 | $779 |
| Kansas | $64 | $769 |
| Kentucky | $61 | $737 |
| Louisiana | $60 | $718 |
| Maine | $97 | $1,167 |
| Maryland | $84 | $1,003 |
| Massachusetts | $95 | $1,138 |
| Michigan | $71 | $852 |
| Minnesota | $75 | $900 |
| Mississippi | $63 | $752 |
| Missouri | $59 | $709 |
| Montana | $61 | $729 |
| Nebraska | $60 | $724 |
| Nevada | $69 | $825 |
| New Hampshire | $86 | $1,031 |
| New Jersey | $80 | $956 |
| New Mexico | $64 | $763 |
| New York | $77 | $921 |
| North Carolina | $69 | $828 |
| North Dakota | $53 | $641 |
| Ohio | $72 | $861 |
| Oklahoma | $60 | $717 |
| Oregon | $96 | $1,154 |
| Pennsylvania | $82 | $980 |
| Rhode Island | $65 | $778 |
| South Carolina | $70 | $844 |
| South Dakota | $67 | $807 |
| Tennessee | $63 | $752 |
| Texas | $74 | $882 |
| Utah | $75 | $895 |
| Vermont | $68 | $815 |
| Virginia | $86 | $1,036 |
| Washington | $88 | $1,053 |
| West Virginia | $62 | $747 |
| Wisconsin | $78 | $939 |
| Wyoming | $66 | $797 |
GEICO Pet Insurance Rates by Breed
GEICO's pet insurance premiums change based on your pet's breed. Dog owners pay around $30 monthly for small mixed breeds under 20 pounds, while Bullmastiffs cost $141 monthly. Cat premiums range from $40 for Domestic Shorthairs to $56 for Exotic Shorthairs. These price differences reflect each breed's health risks and veterinary care needs.
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Pet Type:Dog
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Breed:Affenpinscher
| Affenpinscher | $60 | $720 |
Is GEICO Pet Insurance Expensive?
GEICO ranks 14th for cat insurance affordability and 12th for dogs. Use the filterable table below to see whether GEICO is expensive for your pet's age group and your chosen deductible, annual limit and reimbursement rate.
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Pet Type:Dog
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Pet Age Group:Middle Aged
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Deductible:$1,000
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Annual Limit:$10,000
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Reimbursement %:70%
| $52 | $628 | 29% |
GEICO Pet Insurance Discounts
GEICO provides pet insurance discounts to help reduce premium costs. The company offers savings for military members and a multi-pet discount when you insure multiple animals under one policy. These discounts can provide meaningful savings on your monthly premiums, making coverage more affordable for qualifying pet owners.
Multiple pet discount | 10% | Automatically applied if you insure two or more pets under the same policy |
Military discount | 5% | Available to active or former U.S. military service members (not available in NY or TN) |
GEICO Pet Insurance Customer Service Reviews and Ratings
GEICO ranks sixth nationally for customer service with cats and dogs, earning a high Better Business Bureau rating and receiving moderate scores on Trustpilot. Reddit users report mixed experiences with GEICO's support team. Some customers praise the responsiveness of service representatives, while others express frustration with claim approval processes and slower response times during peak periods.
GEICO Trustpilot Reviews
GEICO earns a 4.1 out of 5 rating on Trustpilot from verified customers who rate its service and claims handling. Most policyholders report positive experiences with GEICO's coverage and support team. Trustpilot collects verified reviews to give consumers honest feedback about companies.
GEICO Better Business Bureau Rating
GEICO holds an A+ rating from the Better Business Bureau and maintains BBB Accredited Business status. The A+ grade is BBB's top rating, showing GEICO meets its standards for trust and resolves customer complaints effectively. BBB accreditation requires companies to address customer issues and follow ethical business practices.
GEICO Pet Insurance Reddit Sentiment
Reddit sentiment toward GEICO shows challenges, with only 29% positive feedback in our analysis of 21 comments. Six users praised responsive customer service and clear policy terms, while 15 shared negative experiences. Common complaints focused on claim denials and coverage gaps. These mixed reviews suggest inconsistent service delivery across policyholders, including the claims process.
GEICO Pet Insurance Coverage
GEICO offers pet insurance coverage for dogs and cats. Pet owners can customize policies through various coverage levels and optional add-ons, allowing them to create plans that fit their budget and their pet's health requirements.
Deductibles | Annual deductible options from $200 to $1,000, depending on state |
Annual limits | Annual maximums available from $5,000 up to $30,000; no lifetime caps |
Reimbursement rates | 70%, 80% or 90% reimbursement after deductible |
Accident-only plan | Fixed $100 deductible, 90% reimbursement, $5,000 annual max |
Accident & illness plan | Includes injuries, illnesses, diagnostics, surgery, prescriptions, hereditary and congenital conditions, behavioral treatments and alternative therapies |
Pre-existing conditions | Not covered; curable conditions may be considered after a waiting period if symptom-free |
Bilateral conditions | If one side is pre-existing, the opposite side may be excluded |
Waiting periods | 2 days for accidents, 14 days for illnesses, 6 months for orthopedic conditions (with option for reduction via vet exam) |
Enrollment restrictions | Full coverage available for pets 6 weeks to 14 years old; at 15+, only accident coverage is available; no breed exclusions |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
MONEYGEEK EXPERT TIP
GEICO stands out by reimbursing based on actual veterinary costs rather than restrictive benefit schedules or UCR limits (usual, customary and reasonable fees). Claims are handled through direct reimbursement after you pay your vet. While premiums may rise over time due to age, inflation or location, the company offers flexible policy adjustments.
GEICO Pet Insurance Coverage Add-Ons
GEICO offers wellness add-ons for routine preventive care. Coverage includes vaccinations, dental cleanings and wellness exams. You can use these benefits immediately; no deductibles or waiting periods apply.
Wellness rewards | Reimburses preventive and routine care such as exams, vaccinations, dental cleanings, grooming, behavior training, prescription diets and microchipping |
Allowance levels | Choose from $300, $450 or $650 per year, with an extra $25 credit added by GEICO |
Plan changes | Can be added or increased midterm through MyGEICO, but back payments are required for previous months |
No per-item limits | Annual reimbursement is capped by allowance only, with no per-item restrictions |
Is GEICO Pet Insurance Good: Bottom Line
GEICO provides pet insurance at $73 monthly for dogs and $46 for cats. The company ranks sixth nationwide for customer experience and maintains moderate ratings from Trustpilot and the Better Business Bureau. Pet owners can select from accident-only or comprehensive accident and illness plans, with optional wellness coverage add-ons available for routine care needs.
GEICO Pet Insurance Review: FAQ
Find answers to common questions about GEICO pet insurance coverage and policies.
Is GEICO pet insurance worth it in 2025?
GEICO pet insurance provides strong customer experience, ranking sixth nationally. The company offers solid coverage options that rank 10th overall. With average premiums of $73 monthly for dogs and $46 for cats, GEICO represents a reasonable middle-ground choice for pet owners seeking reliable service.
What do Reddit users really think about GEICO pet insurance?
Reddit users lean negative on GEICO pet insurance. Our analysis of 21 comments found 29% positive sentiment: six favorable versus 15 negative. Users like GEICO's responsive customer service and clear policy explanations. Complaints about slow claim processing and pre-existing condition denials are common.
Does GEICO cover pre-existing conditions for pets?
GEICO excludes pre-existing conditions from coverage. Curable conditions may become eligible if your pet remains symptom-free and treatment-free for 180 days. Chronic conditions and ligament or knee problems typically remain permanently excluded from coverage.
Can I get a discount for insuring multiple pets with GEICO?
GEICO provides a 10% multiple pet discount when you insure two or more pets on the same policy. The company also offers additional savings through AAA membership, workplace benefit programs, and other partner discounts that can help reduce your premium costs.
Is GEICO pet insurance available in my state?
Yes, GEICO pet insurance operates in all 50 states nationwide. Premium costs vary by location. Cat coverage is most affordable in Arkansas at $29 monthly and highest in Maine at $61. Dog insurance follows the same pattern, from $46 monthly in Arkansas to $97 in Maine.
How We Rated GEICO Pet Insurance
Pet insurance shopping can feel overwhelming with so many options available. That's why MoneyGeek analyzed GEICO across three key areas to simplify your decision:
Affordability (50% of score): We collected premium quotes spanning various pet breeds, ages and coverage levels. Available discounts were factored in to reflect what you'd actually pay monthly.
Customer Experience (30% of score): Real customer feedback from Trustpilot and Reddit was analyzed to gauge satisfaction with GEICO's service and claims process.
Coverage Options (20% of score): We examined policy benefits, wellness add-ons and overall protection scope to assess value for pet owners.
Our analysis used standardized quotes for a 6-year-old Labrador Retriever and 7-year-old Ragdoll with $500 deductible, $5,000 annual limit and 80% reimbursement rate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Better Business Bureau. "Embrace Pet Insurance." Accessed October 15, 2025.
- Trustpilot. "Embrace Pet Insurance." Accessed October 15, 2025.