What is pet insurance and how does it work?

mother and kids with their pet dog and catPet insurance is a form of insurance that is often overlooked by pet owners. But, it can help save you from unexpected costs when your cat or dog has an emergency. Pet Insurance is a health care policy for your pet that will provide reimbursement for specific health expenses that are covered by the policy. While pet insurance can help protect your finances, not all pet insurance policies are created equal — you must understand what is covered before choosing a policy for your pet.

What is pet insurance?

Pet insurance is health insurance that pays a portion of your pet's medical bills based on your coverage. No one plans to be injured or sick and neither do cats or dogs. As illness or broken bones can be painful, it never hurts to prepare for the unexpected when it comes to your pets. While the love of your cats or dogs is priceless, veterinarian visits are not. Pet insurance can help make these bills more manageable.

Get your free pet insurance quote today.

How does pet insurance work?

Pet insurance works on a reimbursement basis. You'll pay the vet directly when you take your pet and then submit your bill for reimbursement. Once the bill is reviewed and approved, the reimbursement amount will be based on the options you selected for your policy. These options include:

  • Maximum annual payout: the total amount the policy will pay for all claims submitted in a policy year.
  • Reimbursement percentage: the percentage of the bill the pet insurance policy will pay, after the deductible is met, up to the maximum annual amount.
  • Deductible: the amount you are responsible for paying before the company starts reimbursing you.

Do I need pet insurance?

Pets are a part of your family. Like every member they may get sick or injured. However, just because cats have nine lives doesn't mean you should have to work like a dog to pay the vet bills. That's where pet insurance comes in.

What does pet insurance cover?

Embrace Pet Insurance has teamed up with the GEICO Insurance Agency to help make pet insurance easy. That means a plan that is simple, comprehensive, and allows you to use any licensed veterinarian you choose.

Choose your annual maximum, deductible, and reimbursement percentage while your pet enjoys coverage for:

  • Breed-specific conditions
  • Cancer treatment
  • Diagnostic testing and imaging (e.g. X-ray, Ultrasound, MRI)
  • Surgery, hospitalization, and nursing care
  • Complementary therapies and rehabilitation
  • ER and specialist care
  • Veterinary exam fees
  • Prescription drug coverage (optional)

Is routine care covered?

Wellness Rewards* is an optional add-on to your pet insurance coverage that provides a flexible routine care plan. Wellness Rewards reimburses everyday veterinary care for your cat or dog not included in your pet insurance. You can start using Wellness Rewards the day you sign up.

Wellness Rewards Reimburses For:

  • Annual check-ups
  • Spay/Neuter procedures
  • Vaccines
  • Heartworm preventatives
  • Teeth cleaning and more

How much does pet 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 annual maximum reimbursement you choose, pricing is based on your location, and your pet's species, breed, sex, and age.

Get your free pet insurance quote to see how affordable it is.

When does my coverage begin?

The waiting period for accidents is 2 days. The illness waiting period is 14 days. For coverage to start, each pet you are insuring must have visited a vet within the past 12 months. If you have a new pet or your pet hasn't seen a vet in the last 12 months, you can take your pet in during the waiting period without any loss of coverage.

Will my pet be covered for life?

Yes. If your pet is eligible for accident and illness coverage when enrolling, then that level of coverage will continue as long as your pet remains insured through Embrace Pet Insurance.

What is not covered?

There are exclusions including pre-existing conditions, routine care costs, prosthetic limbs, and pet training sessions.

For more information on exclusions, call (800) 793-2003 to speak to an agent.

Mon – Fri 9:00 AM – 8:00 PM (ET)
Sat 10:00 AM – 5:00 PM (ET)

*Wellness Rewards is not insurance but a stand-alone routine care plan to help you budget and pay for the routine care of a pet.

Please note:

The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

Embrace Disclosure for California Residents

When you click on the "free pet insurance quote" or "Get Your Pet Insurance Quote Today" links, you will be taken to a site owned by Embrace Pet Insurance Agency, not GEICO.

GEICO has no control over the privacy practices of the company mentioned above and assumes no responsibility in connection with your use of their website. Any information that you provide directly to them is subject to the privacy policy posted on their website.

Pet health insurance is administered by Embrace Pet Insurance Agency, LLC and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc. (which includes American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company) and is secured through GEICO Insurance Agency, LLC.

Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors and are subject to change. Wellness rewards are offered as a supplementary benefit to the pet health insurance policy and are not an insurance product. Wellness rewards are offered and administered by Embrace Pet Insurance Agency in the United States.