Pet Insurance

What is pet insurance?

Pet insurance can give you peace of mind by making health costs for your dog or cat more affordable, letting you enjoy extra quality time with your four-legged family members. The GEICO Insurance Agency can help you get comprehensive pet insurance coverage for your dogs and cats. Get a free online quote and see how affordable pet insurance is.

Why do I need pet insurance?

None of us like thinking about it, but the truth is that our pets could get hurt or sick. Did you know 1 in 3 people have a claim in the first policy year*? As the cost of vet bills continues to rise, we can help manage some of those costs with pet insurance.

*2018 Embrace Pet Insurance Claims Data

What does pet insurance cover?

Embrace Pet Insurance and the GEICO Insurance Agency have teamed up to bring you comprehensive dog insurance and cat insurance. This nose-to-tail coverage includes:

  • Accidents (e.g. broken bones, swallowing something)
  • Illnesses (not pre-existing)
  • Dental issues
  • Cancer
  • And more

You can choose any licensed veterinarian and you're reimbursed up to 90% of the vet bill.

How much does pet insurance cost?

Some plans start as low as $1 a day. To provide you the best pet insurance, we offer personalized policies for your pet(s). That means costs for pet insurance can vary, depending on a few common factors:

  • Type of animal, including species
  • Gender of your pet
  • Age
  • Breed
  • Location

Pet insurance discounts can help you save money.

Looking for cheap pet insurance? Answer a few questions and coverage discounts are applied automatically. Discounts can also be stacked, meaning that your pet can get more than one.

Spay/Neuter Discount

Not only does spaying/neutering your pet lead to discounts for your pet insurance policy, but it also prevents unexpected costs of taking care of an unplanned litter.

Annual Pay Discount

The GEICO Insurance Agency can help you get a customizable plan to fit your budget. But sometimes it pays to pay in full.

Multi-Pet Discount

Having pets can be challenging, especially if you have more than one. We can help make it a little easier with a multi-pet discount.

We're here to help with pet insurance

Just a Call Away

While taking care of your pet can be a full-time job, managing your pet insurance doesn't have to be. Call (800) 793-2003 to make a payment, update your policy, change your deductible, add a pet, and more.

When does my pet health insurance coverage begin?

All good things come to those who wait. The waiting period for accidents and illnesses is 14 days. For pet insurance 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.

Need to speak with us?

You can reach a representative at (800) 793-2003.

  • Mon – Fri
    8:30 am – 8:00 pm (ET)
  • Sat
    9:00 am – 1:00 pm (ET)

Pet Insurance: Get the answers you're looking for.

  • Do I need pet insurance?

    Pet insurance can help manage costs of unexpected medical payments for your pets.
  • How do I make a payment?

    To make a payment you can contact Embrace at (800) 793-2003

    Mon – Fri 8:30 AM – 8:00 PM (ET)
    Sat 9:00 AM – 1:00 PM (ET)
  • How do I file a claim?

    To file a claim you can contact Embrace at (800) 793-2003.

    Mon – Fri 8:30 AM – 8:00 PM (ET)
    Sat 9:00 AM – 1:00 PM (ET)
  • Does GEICO sell homeowners insurance?

    Yes we sell homeowners insurance! Plus, when you bundle your homeowners and car insurance you could save even more! Get your quote today and see how much you could save.
  • 8 tips of being a better pet parent.

    Owning a pet can be rewarding in many ways but also present unique challenges. Check out some simple ideas on how you can be a better pet parent.

Embrace Disclosure for California Residents

When you click on the "START QUOTE" or "affordable pet insurance" 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 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, Inc.

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.

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.