Pet Insurance for Dogs & Cats - Trusted Pet Health Insurance (2024)

Pet insurance can help manage health costs for your pets.

Pet insurance is a specialized health insurance for your beloved pets. Get affordable care for your pets by contacting GEICO today.

Pet health insurance provides coverage for unforeseen medical expenses such as non-pre-existing illnesses and injuries. 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?

Pet health insurance helps you protect your pets by offsetting the costs of vet visits for your pets. It can help you pay less for the diagnosis, treatment, and mangagement of any illnesses or treatments your dog or cat might need.

When the unexpected happens, pet insurance can save you from paying completely out of pocket for your four-legged friends. 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?

The GEICO Insurance Agency has 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

For your convenience you can choose any licensed veterinarian.

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. Learn more about how pet insurance works and contact GEICO today.

How Pet Health Insurance Works

  1. Go to your vet per usual. Having a pet insurance policy from GEICO allows you to see any veterinarian in the country.
  2. To submit a claim, simply call us at the numbers listed below.
  3. Get reimbursed, easily! Once your claim has been processed and approved we'll reimburse you.

How much does pet insurance cost?

To provide you the best pet insurance to fit your budget and needs, 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

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 to make a payment, update your policy, add a pet, and more.

Pet Insurance You Can Trust

Here at GEICO, our commitment to pet health guarantees you don't need to worry about your best friend. Our love of animals, powerful coverage and customized plans ensure that your pet can get the care and treatment you need. Protect your pet for life with pet insurance from GEICO today.

Need to speak with a representative?

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

  • Mon – Fri

    9:00 AM – 8:00 PM (ET)

  • Sat

    10:00 AM – 2:00 PM (ET)

You can reach a Trupanion representative at (833) 819-1005.

  • Available 24/7/365

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

  • What may not be covered by pet insurance?

    • Pre-existing conditions
    • 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
  • 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.
    Hours:
    Mon – Fri 8:30 AM – 8:00 PM (ET)
    Sat 9:00 AM – 1:00 PM (ET)

    You can contact Trupanion at (833) 819-1005 to make a payment or file a claim.
    Available 24/7/365 at (833) 819-1005

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.

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.

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.

Pet Insurance for Dogs & Cats - Trusted Pet Health Insurance (2024)

FAQs

Is pet health insurance real? ›

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.

What is generally covered by pet insurance? ›

Most will cover common injuries and illnesses, like cancer, diabetes, and broken bones; however, coverage for certain treatments and services, like microchipping, behavior therapy, and dental care, can vary. Pet insurance works differently from human health insurance.

How quickly does pet insurance work? ›

The typical waiting period is 14 days, particularly for illness coverage. Some pet insurance providers have a waiting period of only a few days for accident coverage. Hereditary conditions such as hip dysplasia typically have much longer waiting periods — up to a year.

Why is Trupanion so expensive? ›

Trupanion's pricing is likely higher than average because all plans include unlimited coverage and a 90% reimbursement rate. Your plan cost will vary depending on where you live and your pet's breed, age and species. Premiums may also increase incrementally each year as your pet ages.

What is an annual deductible for pet insurance? ›

An annual deductible is the amount of money you must pay for veterinary services out-of-pocket before you'll begin receiving reimbursement from your pet insurance provider for eligible expenses. A lower annual deductible means you'll have to spend less out-of-pocket for veterinary care annually.

How much should you spend on pet insurance dog? ›

Average Pet Insurance Cost

According to our research, pet insurance costs $720 a year for dogs and $384 for cats, with an overall average monthly cost of around $46 per month.

Is it worth getting pet insurance for my dog? ›

"Insurance helps cover the unanticipated costs of pet ownership and can be a huge relief for owners as they typically cover 80-90% of the costs, depending on the plan," says Dr. Sarah Gorman, managing veterinarian at Small Door Veterinary in New York.

What is the best level of pet insurance? ›

Lifetime policies

These policies cover your pet for their entire life, taking care of expenses for both illnesses and injuries. Although they are the most expensive option, they offer the highest level of protection, with coverage limits that reset annually upon policy renewal.

Does pet insurance cover MRI scans? ›

A comprehensive pet insurance plan would usually include all the diagnostic tests such as MRIs and CT Scans for detection of neurological or musculoskeletal conditions. Included in the policy documentation, you will find all the details about what things and tests are covered in the insurance plan.

What do some people suggest you do instead of using pet insurance? ›

If you don't have pet insurance, one option is to pay for veterinary expenses with money from your personal savings account. While this strategy might help you avoid monthly premiums, many pet parents find themselves significantly underprepared for the expensive vet bills they encounter throughout their pet's life.

Does pet insurance cover food? ›

Pet owners can receive coverage for everything from surgery and prescription medications to hospitalization, depending on the insurance company. Non-medical supplies such as food aren't covered, but veterinarians may recommend prescription pet food for some conditions.

Can I get pet insurance then use it straight away? ›

No, you cannot get pet insurance and use it straight away. All pet insurance companies have waiting periods. That's the amount of time between when you bought your plan and when coverage begins. The accident waiting period typically ranges between one to 15 days and the average illness waiting period is 14 days.

What is the annual limit on pet insurance? ›

An annual limit is the maximum amount of money your pet insurance provider will pay per year once you've met your annual deductible. For example, if you have a pet insurance policy with an annual limit of $10,000 but you have $12,000 worth of expenses, you're responsible for $2,000 of those expenses.

Does all pet insurance go up every year? ›

Pet insurance often increases every year, though not always. Understanding the reasons behind these increases can help you make informed and wise decisions about your pet's coverage.

Do pets really need insurance? ›

Pet health insurance can help by offsetting some or most of the costs of diagnosing, treating and managing your pet's illness or injury. There's no magic formula to tell you if pet health insurance is right for you and your pet. Talk with your veterinarian about it, and research your options.

Is pet insurance the same as health insurance? ›

Pet insurance is a financial product that helps cover the cost of veterinary care for your pet. It's similar to health insurance for people in some ways. But most pet insurance plans won't cover general checkups or preventative care unless you pay extra.

Why isn t pet insurance like human insurance? ›

The biggest difference between human health insurance and pet insurance is that pet insurance plans are typically reimbursement-based, meaning you pay up-front for the pet's vet bills and then submit a claim to the insurance company.

Is pet insurance a thing in the US? ›

There are four main types of pet insurance plans to choose from. Accident-only cover is the most basic plan that will pay out for bills relating to accidents like broken bones, but not illnesses. This limited cover makes it the cheapest type of pet insurance.

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