Geico dog insurance
Looking at Geico dog insurance? It helps to know that Geico doesn't write its own policy: it sells Embrace's, with a discount for Geico customers. So the cover you'd get is exactly what Embrace's policy says, and that's what we've summarised below, from Embrace's own documents.
What does Geico pet insurance cover?
These are the main terms of Embrace's policy, which is the one Geico sells. Where an insurance term needs explaining, there's a short note.
- Deductible you pay firstThe amount you pay towards vet bills before your insurer starts paying.
- Annual, per pet
- Share of each vet bill it pays backAfter your deductible, the percentage of each vet bill your insurer pays back.
- Reimbursement percentage shown on the Schedule of Insurance
- Most it will pay out
- Annual maximum shown on the Schedule; dental illness has its own $1,000 a year
- Wait before illness is coveredThe time after you buy a policy before you can claim for an illness.
- 14 days
- Wait before accidents are covered
- None: accidents are covered from the start
- Cover for pre-existing conditionsAnything your dog had, or showed signs of, before the policy started.
- Excluded, but conditions free of signs and treatment for 12 consecutive months are no longer treated as pre-existing (some, like skin conditions, have their own 12-month rule)
- Vet exam fees
- Covered only if shown on the Schedule (optional)
- Dental cover
- Dental illness covered up to $1,000 a year
Everything Embrace's policy covers, with where we found each point
Your questions answered
Who provides Geico pet insurance?
Embrace. The GEICO Insurance Agency has partnered with Embrace Pet Insurance Agency. So the cover is Embrace's policy, and everything on this page comes from Embrace's own documents.
Does Geico give a discount on pet insurance?
Yes. Geico's pet insurance page says: embrace gives a 10% discount when you enrol more than one pet through the GEICO Insurance Agency.
How long is the Embrace waiting period?
14 days
Does Embrace cover pre-existing conditions?
Covered again once your dog has been free of signs and treatment for 12 months in a row.
Does Embrace cover vet exam fees?
Covered only if shown on the Schedule (optional)
Does Embrace cover behavioural training or a behaviourist?
Covered: diagnosis by your vet, tests, medication and training sessions as part of behavioural therapy.
Who provides the cover and the discount are from Geico's own website; the policy terms are from Embrace's own documents, read in October 2026. Terms can differ by plan and state, so check the policy before you buy.
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