Geico Pet Insurance, offered through a partnership with Embrace, has garnered a rating of 4.3 out of 5 stars based on the MarketWatch Guides team’s pet insurance methodology. This rating places Geico among the top pet insurance providers, particularly for Geico insurance members. However, it is important to note that Geico does not offer any additional discounts through Embrace other than the standard multi-pet discount.
In terms of coverage, customer experience, covered treatments, waiting periods, and eligible age limits, Geico pet insurance through Embrace received high marks. The policies include treatments such as surgeries, hospitalizations, spay and neuter procedures, and prescription medications as part of the standard coverage. However, the cost and reputation of the policies were areas where Embrace lost points. The policies were found to be more expensive than the average cost of pet insurance, and Geico’s Trustpilot and Better Business Bureau ratings were lower compared to other insurance products.
Pros of Geico pet insurance include a wellness rewards program through Embrace, no age restrictions on coverage, the ability to waive the orthopedic waiting period with a qualifying vet exam, and the inclusion of spay and neutering in the standard coverage. On the other hand, cons include no additional discounts for Geico policyholders, limitations on pets 15 years and older to accident-only plans, and policies that are pricier than the average cost of pet insurance.
Customizable coverage levels are a key feature of Geico pet insurance through Embrace. Pet owners can choose their deductible amount, reimbursement rate, and annual coverage limits for accident and illness plans. However, accident-only plans for senior pets over the age of 15 have fixed deductible, annual limit, and reimbursement rate.
The cost of Geico pet insurance policies varies depending on factors such as location, pet size, breed, age, and health history. On average, the cost of a Geico pet insurance policy is $64 per month for dogs and $33 for cats. While the policies may be more expensive than the average cost of pet insurance, it is recommended to explore other providers and gather additional quotes to find the right policy for your pet’s needs and budget.
The sign-up process for Geico pet insurance through Embrace is straightforward, with options to customize coverage levels and add-on coverages such as wellness rewards, exam fees, and prescription drugs. Claims filing and payout processes are also relatively easy, with multiple methods available for submitting claims and receiving reimbursements.
Overall, Geico pet insurance offers comprehensive coverage for dogs and cats, with customizable options and additional add-on coverages. While the policies may be pricier than average, the partnership with Embrace ensures quality coverage and customer service. It is recommended to compare Geico pet insurance with other providers to find the best policy for your furry friend.