Pet insurance works like health insurance for your dog or cat, helping offset the cost of unexpected vet bills due to accidents and illnesses. GEICO Insurance Agency can help you find coverage through our partners, Embrace Pet Insurance, MetLife Pet, and Liberty Mutual Pet, so you can focus on your pet’s health and happiness.
GEICO Insurance Agency helps you find pet insurance through our partners, with plans built around how you actually care for your pet:
Together, these features make it easier to say yes to the care your dog or cat needs when something unexpected happens.
Pet insurance through GEICO Insurance Agency helps cover vet costs for new accidents and illnesses, from a swallowed sock to a cancer diagnosis. Exact coverage varies by carrier and policy, but accident and illness plans generally include:
Coverage details can differ by carrier and policy, so review your policy documents for the full list of what’s included. Depending on the carrier, you may also be able to choose an accident-only plan or add optional coverage for routine care.
Pet insurance is designed for new, unexpected health problems, so a few things typically fall outside an accident and illness policy. Exclusions vary by carrier and policy, but common ones include:
Coverage begins after applicable waiting periods. Reviewing these periods and the policy's pre-existing condition terms can help you understand when coverage may apply.
Pet insurance works by reimbursement, which means you pay your vet as usual and then get money back for eligible costs. Here’s how the process works:
For example, say your pet has a $2,000 covered vet bill, your annual deductible is $500, and your reimbursement rate is 80%. You’d pay the first $500, and your carrier would reimburse 80% of the remaining $1,500, or $1,200. Exact calculations can vary by carrier and policy.
Dogs and cats tend to need vet care for different reasons, which affects how coverage helps day-to-day.
Dogs tend to get into things, so accident claims like swallowed objects, cuts, and injured ligaments are common, along with skin and ear problems. Breed is one of the factors used to price coverage, since some breeds are more prone to certain inherited conditions. Learn more about dog insurance.
Cats often hide signs of illness, so problems like urinary issues, dental disease, or kidney disease may not show up until they need a vet visit. Pet insurance can help with diagnostic testing and treatment costs when those issues surface. Learn more about cat insurance.
Every pet is different, so pet insurance through GEICO Insurance Agency is personalized to your pet, your carrier, and the coverage you choose. That means costs for pet insurance can vary, depending on a few common factors, including:
There are a few ways to lower what you pay for pet insurance. Availability varies by carrier and policy:
The right balance depends on your budget and how much of a major vet bill you’d want covered. Get a pet insurance quote and see your options.
Pet insurance may be worth considering if you want help managing eligible veterinary expenses from unexpected accidents or illnesses. Emergency surgery, hospital stays, and cancer treatment can cost far more than a routine visit, and pet health insurance helps you pay for that care without covering the full bill yourself.
Coverage can also make decisions easier in the moment. Having coverage in place may help you manage eligible treatment costs, depending on your deductible, reimbursement rate, and policy limits.
Pet insurance tends to be most useful when it’s already in place before a problem appears. That’s especially true for breeds prone to certain inherited conditions, and for curious pets who are more likely to swallow something they shouldn’t.
GEICO Insurance Agency works with three pet insurance partners. Each offers accident and illness coverage for dogs and cats, but plan options, benefits, and policy terms vary, so review the details for the carrier you choose.
Embrace Pet Insurance offers accident and illness plans with a few policy-specific details:
Prescription coverage is an optional add-on that can be purchased with your accident/illness policy.
Embrace Wellness Rewards*: An optional routine care plan, available only through Embrace, that helps you budget for annual exams, vaccines, and dental cleanings. Wellness Rewards isn’t insurance. [Learn More]
For help with an existing Embrace policy, call (800) 793-2003.
*Wellness Rewards is offered as an optional membership plan, non-insurance benefit administered by Embrace Pet Insurance Agency, LLC in the United States. Wellness Rewards not available in RI.
MetLife Pet offers accident and illness coverage for dogs and cats, with a few benefits specific to its policies:
To get a quote or for help with an existing policy, call MetLife Pet at (855) 791-7387. Benefits may not be available in all states.
Liberty Mutual Pet offers four coverage levels, so you can choose how much protection your pet has:
To get a quote or for help with an existing policy, call Liberty Mutual Pet at (844) 250-9199. Benefits may not be available in all states.
Pet insurance through GEICO Insurance Agency gives you a way to plan for vet bills before they happen, so an accident or illness doesn’t force a hard choice about your pet’s care. Get coverage in place now while your pet is healthy, and you’ll be ready when the unexpected happens.
Enter your ZIP code to get a pet insurance quote through GEICO Insurance Agency today.
Need help with a quote or an existing policy? Contact your pet insurance carrier directly: