Dog Insurance: What Is It & What Does It Cover?

August 31, 2026By GEICO Team5 min readEditorial Guidelines
White dog looking towards the camera with a white leash attached to its collar.

Key Takeaways


Financial Protection for Your Dog’s Health
Dog insurance through GEICO covers unexpected veterinary costs from accidents, illnesses, surgeries, prescription medications, and more, helping you avoid major out-of-pocket bills.

Plans that Fit Your Dog’s Unique Needs
Customize your coverage by choosing deductible, annual limit, and reimbursement percentage. Cover multiple pets and add wellness options for routine care.

Simple and Fast Claim Reimbursement
Visit any licensed vet, submit your claim online or via app, and get reimbursed quickly so you can get your dog the care it needs without paperwork hassles.

As dog parents, it's important to have good health coverage for your furry family members.

What is dog insurance?

Dog insurance pays a percentage of the cost of veterinary care and treatments for your dog in case of a covered illness, injury, or accident.

The GEICO Insurance Agency has teamed up with Embrace Pet Insurance to bring you comprehensive dog insurance. This nose-to-tail coverage is for unexpected accidents and illness. Plus, it can also help with diagnostic testing, treatments, and ongoing care.

What does dog insurance cover?

Below, we've listed some of the most common items covered under a dog insurance policy. However, it's always best to speak to a GEICO insurance specialist to confirm your specific policy’s coverage.

  • Accidents like sprains, ACL ruptures, foreign body ingestion, poisonings, or broken bones
  • Common illnesses such as ear infections, vomiting, diarrhea
  • Dental illnesses up to $1,000 a year
  • Breed-specific, hereditary, and genetic conditions, like hip dysplasia or allergies
  • Serious illnesses such as heart disease, cancer, and diabetes
  • Chronic conditions like allergies, diabetes, skin conditions, or arthritis
  • Emergency and specialist veterinary care
  • Diagnostic testing related to covered conditions, like fecal exams, urinalysis, and more
  • Hospitalization and surgery, including anesthesia, rehab, ongoing care, and more
  • Prescription medications

What is typically excluded from a dog insurance policy?

Items excluded from the accident and illness dog insurance policy:

  • Pre-existing conditions
  • Routine care costs (wellness exams)
  • Injury or illness resulting from neglect, cruelty, or fighting

How much does dog 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 limits you choose, pricing is based on your location and your dog's breed, sex, and age. While the cost can vary greatly, you can usually get a comprehensive policy for your dog for $35-$65/month.

Why Choose GEICO Insurance Agency for Dog Insurance?

Looking for the best dog insurance for your furry family member can feel overwhelming, but GEICO Insurance Agency makes it easy. Here's why GEICO through Embrace Pet Insurance should be your top choice:

  • Comprehensive Coverage: From accidents and illnesses to hereditary conditions and dental care, GEICO Insurance Agency offers nose-to-tail coverage that gives you peace of mind.
  • Flexible and Affordable Plans: Customize your plan to fit your budget and your dog's needs. Choose your deductible, reimbursement percentage, and annual payout limits.
  • Easy Online Management: Manage your policy, submit claims, and update your information anytime, anywhere with the user-friendly MyEmbrace online portal.
  • A Name You Trust: GEICO has been known for its reliability and excellent customer service in the insurance industry for over 85 years.

Manage your dog insurance online

It's super easy to manage your dog's insurance policy online! With MyEmbrace member portal, you can update your policy, add a pet, submit claims, update contact info, update payment info, and manage your account online.

Let's fetch your free quote for that adorable dog of yours.

Protect Your Best Friend?

Pet insurance could help with eligible vet bills for accidents and illnesses.

GEICO gecko mascot standing and waving

FAQs about pet insurance for dogs

Veterinary bills can be unexpected and expensive. Dog insurance provides financial peace of mind, allowing you to focus on your dog's health rather than the cost of treatment.

With dog insurance, you pay a monthly premium to your insurance provider. When your dog needs veterinary care, you pay the vet directly and then submit a claim to your insurance company for reimbursement at your chosen percentage. Make sure you get an itemized receipt and any visit notes from your veterinarian to make the claims process smoother.

You can get dog insurance at any time. However, it's best to enroll your pet when they're young and healthy to avoid any diagnosis being labeled a pre-existing condition. Dog insurers will not cover pre-existing conditions.

To find the right dog insurance policy, consider your dog's age, breed, health history, and your budget. Compare different policies and providers to find the best fit for your needs.

In dog insurance, a pre-existing condition is anything that shows signs or symptoms prior to the start date of your policy or the end of any applicable waiting periods. Anything deemed pre-existing by your insurer is not eligible for coverage.

Please note:
If you click a link to get a rate quote online or file a claim, you will be taken to the Embrace website. This website is 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.
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.