GEICO Pet Insurance Review


GEICO Pet Insurance Review: Key Takeaways
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Cat insurance through GEICO ranks 14th for affordability, and Dog insurance ranks 12th. Cats cost $46 monthly, and dogs cost $73 monthly.

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Customer experience through GEICO ranks sixth nationally. BBB rates it A+. Trustpilot users give it 4.3 out of 5 stars for pet insurance services.

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Coverage through GEICO ranks 10th nationwide. It sells comprehensive accident and illness insurance. An optional wellness rewards program is available.

GEICO Pet Insurance Ratings

GEICO's pet insurance (sold through Embrace) scores 2.3 out of 5 for cats and 2.55 for dogs in MoneyGeek's analysis. Customer experience is good but affordability scores low. Accident coverage starts after a two-day waiting period.

Data filtered by:
Dog
Coverage1.8910
Affordability2.2212
Overall Score2.5513
Customer Experience3.546
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WHO IS GEICO PET INSURANCE BEST FOR?

GEICO pet insurance works well for owners wanting immediate accident coverage. Accident protection starts after just two days. The provider has low deductibles and unlimited payouts. Hereditary conditions and behavioral treatments are covered at no extra cost.

Learn more about the best pet insurance options for your pet:

GEICO Pet Insurance Ratings by State

GEICO operates in all 50 states. It ranks highest (11th place) in six states for dogs and one state for cats. GEICO isn't the best pet insurer overall. It consistently places sixth for customer experience and 10th for coverage.

Data filtered by:
Affordability
Dog
Utah1.6712
Ohio1.6713
Oregon1.7513
Hawaii1.8412
Colorado1.913
California1.9813
New Hampshire2.0512
Georgia2.112
Massachusetts2.112
North Carolina2.1313
Wisconsin2.1612
South Dakota2.1712
Iowa2.2113
Connecticut2.2112
Minnesota2.2212
South Carolina2.2612
Virginia2.2612
Delaware2.2812
Maine2.2812
Vermont2.312
Maryland2.312
Louisiana2.3312
Indiana2.3512
Michigan2.3612
Rhode Island2.3712
New Jersey2.3912
New York2.3912
Florida2.4112
Alaska2.4212
Mississippi2.4412
West Virginia2.4712
Montana2.4812
Pennsylvania2.4912
Texas2.4912
Alabama2.5112
Arizona2.5312
Missouri2.5312
Kentucky2.5612
Kansas2.6212
Idaho2.6412
Oklahoma2.6512
Wyoming2.6612
New Mexico2.6812
Nevada2.7812
Tennessee2.7912
North Dakota2.812
Washington2.8912
Nebraska2.9612
Illinois3.0512
Arkansas3.1312

GEICO Pet Insurance Comparison

Compare GEICO with national competitors:

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 beats GEICO in affordability and overall scores, leading 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 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 leads GEICO in affordability, coverage and overall scores.
GEICO vs. Hartville
• Dogs: 2.55 vs. 3.50
• Cats: 2.30 vs. 3.90
Hartville beats GEICO in affordability and coverage, ranking higher 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 ranks lower in coverage and affordability.
GEICO vs. Liberty
• Dogs: 2.55 vs. 2.65
• Cats: 2.30 vs. 2.30
Both score low. Liberty has an affordability edge, while GEICO excels in customer service.
GEICO vs. MetLife
• Dogs: 2.55 vs. 3.05
• Cats: 2.30 vs. 2.40
MetLife leads in affordability. GEICO scores higher in customer experience.
GEICO vs. Nationwide
• Dogs: 2.55 vs. 2.50
• Cats: 2.30 vs. 2.65
Nationwide scores lower on affordability but beats GEICO on coverage. GEICO edges ahead on dog scores.
GEICO vs. Pets Best
• Dogs: 2.55 vs. 4.05
• Cats: 2.30 vs. 3.80
Pets Best leads in affordability and coverage, beating 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, leading GEICO across all areas.
GEICO vs. Rainwalk
• Dogs: 2.55 vs. 4.05
• Cats: 2.30 vs. 3.95
Rainwalk leads in customer service and affordability, scoring higher in most categories.
GEICO vs. Spot
• Dogs: 2.55 vs. 3.75
• Cats: 2.30 vs. 4.15
Spot beats GEICO in affordability, coverage and customer service, ranking higher overall.

How Much Does GEICO Pet Insurance Cost?

GEICO's pet insurance costs average $73 monthly ($874 yearly) for dogs and $46 monthly ($547 yearly) for cats. Your location and pet breed change your premium.

Cat$46$32$547$37944%
Dog$73$60$874$72321%

GEICO Pet Insurance Rates by State

State-by-state rates differ because veterinary costs and claim patterns vary by location. GEICO has the cheapest pet insurance for cats in Arkansas at $29 monthly. Insurance for Maine cats costs the most at $61 monthly. Dogs in Arkansas cost $46 monthly to insure, and dogs in Maine cost $97 monthly.

Data filtered by:
Dog
Arkansas$46$551
North Dakota$53$641
Alabama$55$665
Missouri$59$709
Oklahoma$60$717
Louisiana$60$718
Nebraska$60$724
Montana$61$729
Kentucky$61$737
West Virginia$62$747
Mississippi$63$752
Tennessee$63$752
New Mexico$64$763
Kansas$64$769
Rhode Island$65$778
Iowa$65$779
Indiana$66$787
Wyoming$66$797
Georgia$66$798
South Dakota$67$807
Vermont$68$815
Nevada$69$825
Idaho$69$825
North Carolina$69$828
Alaska$69$831
South Carolina$70$844
Michigan$71$852
Ohio$72$861
Delaware$72$865
Texas$74$882
Utah$75$895
Minnesota$75$900
New York$77$921
Hawaii$77$929
Wisconsin$78$939
Illinois$79$943
Florida$80$955
New Jersey$80$956
Pennsylvania$82$980
Connecticut$83$991
Maryland$84$1,003
Arizona$84$1,008
New Hampshire$86$1,031
Virginia$86$1,036
Washington$88$1,053
California$94$1,133
Massachusetts$95$1,138
Colorado$95$1,143
Oregon$96$1,154
Maine$97$1,167

GEICO Pet Insurance Rates by Breed

Dog owners pay $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.

Data filtered by:
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Small Mix (Under 20 pounds)$30$362
Small Mix (11-25)$35$415
Small Mix (10 and less pounds)$35$423
Small Mix (0-20)$36$424
Small Mix (1-10 pounds)$36$434
Mixed breed Small (up to 20lbs when full grown)$36$431
Mixed Breed Small (>10 lbs)$38$445
Mixed Breed Small (11-30 lbs)$39$466
Domestic Shorthair$40$475
Chihuahua$40$477
Small Mix (11-30)$41$491
British Longhair$41$490
Ragdoll$42$499
Bombay$42$499
Small Mix (25 and less pounds)$42$497
Morkie$42$507
Siamese$42$507
Maltipoo$42$511
Russian Blue$43$513
Small Mix (22 pounds or less)$43$520
Shih Tzu$44$533
Toy Mix (10 and less pounds)$45$535
Norwegian Forest cat$45$535
Mixed Breed Medium (31-50 lbs)$45$534
Birman$45$541
Tonkinese$45$541
Jack Russell Terrier$46$547
Chinchilla$46$549
Devon Rex$46$549
Serengeti$46$550
Munchkin$46$551
Burmese$46$552
Cockapoo$46$555
Himalayan$47$561
Scottish Fold$47$563
Medium Mix (20-55 pounds)$47$573
Bengal$47$566
Snowshoe$48$569
Havanese$48$574
Yorkshire terrier$48$576
Cornish Rex$49$583
British Shorthair$49$582
Miniature Poodle$49$587
Persian$49$586
Puggle$49$588
Toy Poodle$49$588
Medium Mix (31-59 pounds)$49$592
Siberian$49$589
Savannah$49$591
Cavapoo$50$599
Balinese$50$594
Medium Mix (26-50 pounds)$50$599
Maltese$50$599
Medium Mix (20-70 pounds)$50$601
Shiba Inu$50$602
Medium Mix (31-50 pounds)$50$602
Papillon$50$602
Pomeranian$50$603
Coton De Tulear$51$609
Australian Mist$51$613
Miniature Pinscher$51$613
Groodle$52$616
Sphynx$52$617
Cavachon$52$622
Schnoodle$52$624
Maine Coon$52$623
Australian Silky Terrier$53$631
Lhasa Apso$53$633
Mixed Dog (21-50 pounds)$53$636
Australian Shepherd$53$633
Dachshund$53$640
Abyssinian$53$638
Japanese Chin$54$642
Dingo$54$645
American Hairless Terrier$54$643
Japanese Spitz$54$648
Border Collie$54$648
Basenji$54$651
Large Mix (51-110 pounds)$55$657
English Toy Terrier$55$655
American Eskimo$55$662
Miniature Dachshund$55$661
Shetland Sheepdog$56$664
Fox Terrier$56$668
Australian Terrier$56$670
Goldendoodle$56$672
Exotic Shorthair$56$671
Labradoodle$56$674
Pekingese$56$674
Peruvian Hairless Dog$56$674
Border Terrier$56$677
Miniature Schnauzer$57$677
West Highland White Terrier$57$677
Husky$57$680
Bichon Frise$57$683
Norwich Terrier$58$690
Brussels Griffon$58$692
Siberian Husky$58$697
Miniature Fox Terrier$59$703
Norfolk Terrier$59$706
Italian Greyhound$59$706
Cairn Terrier$59$708
Large Mix (Over 70 pounds)$59$714
Welsh Springer Spaniel$59$713
Bearded Collie$59$711
Giant Mix (111 pounds+)$59$713
Large Mix (51-100 pounds)$60$717
Irish Terrier$60$717
Boston Terrier$60$716
Large Mix (61+ pounds)$60$718
Medium Mix (23-70 pounds)$60$720
Mixed Breed Large (51-90 lbs)$60$717
Affenpinscher$60$720
Icelandic Sheepdog$60$720
Wire Fox Terrier$60$722
German Pinscher$60$723
Whippet$61$727
Large Mix (55-90 pounds)$61$732
Australian Cattle Dog$62$740
Finnish Lapphund$62$747
Alaskan Husky$62$746
Australian Kelpie$63$752
Norwegian Elkhound$63$756
Petit Basset Griffon Vendeens$63$758
Cavalier King Charles Spaniel$63$755
German Spitz$63$756
Welsh Terrier$63$759
Standard Schnauzer$63$763
Welsh Corgi Cardigan$64$763
Mixed Breed$64$772
Collie$64$769
Mixed Dog (51-90 pounds)$64$764
Beagle$65$776
Pug$65$774
Soft Coated Wheaten Terrier$65$776
English Springer Spaniel$65$780
Giant Mix (110 pounds+)$65$780
Large Mix (60-109 pounds)$65$780
Medium Mix (26-59 pounds)$65$780
Small Mix (0-25)$65$780
Pembroke Welsh Corgi$65$780
Welsh Corgi Pembroke$65$780
Tibetan Terrier$65$783
Puli$66$791
Cocker spaniel$66$792
Pointer$66$795
German Shorthaired Pointer$66$797
Basset Fauve de Bretagne$67$802
Mixed Dog (91 pounds+)$67$805
Keeshond$67$808
Samoyed$68$813
Smooth Collie$68$813
Scottish Terrier$68$815
Italian Spinone$69$823
English Foxhound$69$827
Giant Mix (100 pounds+)$69$827
English Pointer$70$840
Vizsla$71$847
American Foxhound$71$844
Saluki$71$848
Field Spaniel$71$856
Rough Collie$71$855
Foxhound$71$855
Staffordshire Bull Terrier$72$861
Portuguese Water Dog$72$862
Corgi$73$873
Irish Setter$73$874
Labrador Retriever$73$874
Alaskan Malamute$73$876
Harrier$74$882
German Shepherd$74$888
Standard Poodle$75$894
Bracco Italiano$75$901
Belgian Shepherd Malinois$76$911
Golden Retriever$76$914
English Setter$76$912
Afghan Hound$77$919
Hungarian Vizsla$79$948
Pitbull$80$956
Lurcher$80$958
Alsation$80$963
Chow Chow$81$967
Airedale Terrier$81$971
Miniature Bull Terrier$82$980
Briard$82$976
Petit Basset Griffon Vendeen$82$981
Estrela Mountain Dog$84$1,003
Clumber Spaniel$84$1,003
Alsatian$84$1,008
Old English Sheepdog$84$1,007
Akita$85$1,016
Komondor$85$1,018
Greyhound$86$1,028
Dalmatian$86$1,033
Bull Terrier$87$1,041
American Staffordshire Terrier$87$1,043
Small Mix (20 and under pounds)$87$1,045
Giant Mix (90 pounds+)$88$1,046
Rhodesian Ridgeback$89$1,064
Gordon Setter$89$1,068

Is GEICO Pet Insurance Expensive?

GEICO ranks 14th for cat insurance affordability and 12th for dogs.

Data filtered by:
Dog
Middle Aged
$1,000
$10,000
70%
$52$62829%

GEICO Pet Insurance Discounts

GEICO offers pet insurance discounts for military members and those with multiple pets.

Military
5%
Available to active or former members of the U.S. Air Force, Army, Marines, Navy or Coast Guard (not available in NY or TN)
Multiple pet
10%
Automatically applied if you insure two or more pets with GEICO

GEICO Pet Insurance Customer Service Reviews and Ratings

GEICO ranks sixth nationally for customer service. It has a high Better Business Bureau rating and moderate scores on Trustpilot. Reddit users report mixed experiences with GEICO.

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    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.

    trustSeal icon
    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 shows 29% positive feedback in our analysis of 21 comments. Six praised responsive customer service and clear policy terms. Common complaints focused on claim denials and coverage gaps.

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.

Accident & illness plan
Includes injuries, illnesses, diagnostics, surgery, prescriptions, hereditary and congenital conditions, behavioral treatments and alternative therapies
Bilateral conditions
If one side is pre-existing, the opposite side may be excluded
Enrollment restrictions
Full coverage available for pets 6 weeks to 14 years old; at 15+, only accident coverage is available
Pre-existing conditions
Not covered; curable conditions may be considered after 12 symptom-free months
Immediate coverage for accidents, 14 days for illnesses, 6 months for orthopedic conditions
70%, 80% or 90% 
Annual deductible options from $100 to $1,000
Accident-only plan
Fixed $100 deductible, 90% reimbursement, $5,000 maximum annual limit
Annual maximums available from $2,000 to Unlimited

*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.

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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
Covers preventive and routine care such as exams, vaccinations, dental cleanings, grooming, behavior training, prescription diets and microchipping
Exam Fee Add-On
Covers vet exam fees for eligible accidents and illnesses

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.

Browse through our review guides for the top pet insurance companies for your pet:

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?

What do Reddit users really think about GEICO pet insurance?

Does GEICO cover pre-existing conditions for pets?

Can I get a discount for insuring multiple pets with GEICO?

Is GEICO pet insurance available in my state?

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 Connor Bolton


Connor Bolton headshot

Connor Bolton is Senior SEO and Content Manager at MoneyGeek, where he leads the business and pet insurance editorial teams. As editorial lead for both verticals, Connor sets the research framework, data standards, and content structure that his writers execute, directly authoring in-depth guides himself and reviewing all team content for accuracy and practical value before it goes live. With over four years evaluating insurance products across personal, commercial, and specialty lines, he brings cross-vertical knowledge to every guide the team produces.

Connor architected MoneyGeek's insurance research infrastructure across all major verticals including auto, home, renters, life, health, business, and pet, building systems for pricing analysis, provider-level research, customer experience evaluation, and coverage analysis with AI support. The infrastructure includes over 6 million data points for business insurance across 408 industry areas, all 50 states, and 16 vehicle types, and over 5 million pet insurance profiles across 18 major providers and hundreds of breed and age combinations. Connor's insurance cost research and his team's work has been cited by the U.S. Chamber of Commerce, Allstate, Liberty Mutual, CBS News, Forbes and LegalZoom.

Beyond the data, Connor stays connected to how the market actually operates, drawing on direct conversations with underwriters and carrier liaisons at Ethos, The Hartford, NEXT Insurance, Nationwide, and State Farm, and monitoring business and pet owner communities including Reddit, to inform how he interprets findings and frames guidance for real buyers.

He is the direct editorial contact for methodology questions at connor@moneygeek.com and can be found on LinkedIn.


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