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 payment or 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. Two common types of pet insurance are dog insurance and cat insurance.

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.

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 and Trupanion have 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 payout limit, 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
  • Therapies and rehabilitation
  • ER and specialist care
  • Prescription drug coverage (optional)

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 payout limit 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.

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.

What is not covered?

There are exclusions including pre-existing conditions, routine care costs, and more depending on your policy.

For more information on exclusions:

Call (800) 793-2003 to speak to an Embrace agent.

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

Call (833) 819-1005 to speak to an Trupanion agent, 24/7/365.

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.

If you click a link to get a rate quote online or file a claim, you will be taken to the website of Embrace or Trupanion. These websites are not owned by GEICO Insurance Agency LLC. Any information that you provide directly to them on their websites is subject to the privacy policy posted on that website, which you should read before proceeding. GEICO Insurance Agency LLC. assumes no responsibility for their privacy practices or your use of either website.

Pet coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, LLC.

Trupanion is a registered trademark owned by Trupanion, Inc. Underwritten in the United States by American Pet Insurance Company or ZPIC Insurance Company, 6100-4th Ave S, Seattle, WA 98108. Sold and administered in the United States by Trupanion Managers USA, Inc. (CA license No. 0G22803, NPN 9588590).

Embrace Pet 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)

Embrace Disclosure for California Residents

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.