Pet Insurance

Pet insurance can help manage health costs for your pets.

Pet insurance is a type of health insurance for your pets. It can cover costs associated with certain illnesses or types of veterinary treatment. This can help make health care for your dog or cat more affordable and give you 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 health insurance?

None of us like thinking about it, but the truth is that our pets could get hurt or sick. As the cost of vet bills continues to rise, we can help manage some of those costs with pet insurance.

What does pet health 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.

Without pet health insurance, pet bills can be costly.

Caring for a pet can be expensive even for routine care. Unexpected sickness and injuries can make these costs skyrocket. Pet health insurance can help you tame these expenses.

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.

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. Before your pet can be enrolled, there is a short waiting period when coverage is restricted. The waiting period is 2 days for accidents, 14 days for illness, and 6 months for orthopedic conditions. 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.

How does pet insurance work?

After you take your pet to the vet for care, submit a claim, and if your claim is covered, you'll get a check.

Need to speak with us?

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

  • Mon – Fri
    9:00 AM – 8:00 PM (ET)
  • Sat
    10:00 AM – 2:00 PM (ET)

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

  • What do I need to consider before adopting a new pet?

    Adopting a new pet is an exciting activity for a family, but it also comes with new responsibilities and chores. Include all family members in the pre-planning process to help set realistic expectations.
  • How do I become a good pet parent?

    After you have decided to become a pet parent, it is important to make sure that your new pet is getting the attention it needs. Here are some tips to help you become a better pet parent.
  • How do I protect my pet from the weather?

    Pets rely on you to provide them with protection throughout the year. Winter pet protection involves keeping them warm and protecting them from special winter hazards. Warmer weather poses different hazards, so you need to know how to keep your pet safe and healthy during the Summer.
  • How do I manage my pet insurance policy?

    You can contact Embrace at (800) 793-2003 to make a payment or file a claim.

    Mon – Fri 8:30 AM – 8:00 PM (ET)
    Sat 9:00 AM – 1:00 PM (ET)
  • What isn't covered by pet insurance?

    • Pre-existing conditions
    • Breeding, whelping, and pregnancy
    • An intentional injury caused by you or any other person or pet residing at your home
    • Injury or illness sustained from fighting, racing, cruelty, or neglect
    • Unless medically necessary, cosmetic procedures like tail docking, ear cropping and dew removal
    • DNA testing or cloning
    • Stem cell therapy not deemed medically necessary
    • Avian Flu or Nuclear War

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 "START QUOTE", "affordable pet insurance", "submit a claim", or "file a claim" 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, 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.