Because it helps pet owners feel more at ease about paying for emergency veterinary care, pet insurance is growing in popularity. If you’re looking for pet insurance, GEICO is a good option. This article will help you decide if GEICO pet insurance is a good fit for your pet by explaining the policy’s coverage, perks, and pricing.
Coverage
There is a vast variety of ailments and treatments that are covered by GEICO’s pet insurance policy. Injuries, illnesses, and inherited/congenital anomalies are all covered by the policy. Emergency treatment, hospitalization, prescription drugs, and diagnostic procedures are all covered as well.
Accident-only, accident-and-illness, and accident-and-illness with wellness benefits are the three tiers of GEICO pet insurance coverage. Accident-only coverage pays for things like broken bones and dog attacks that happen unexpectedly. Accidents and diseases like cancer, allergies, and ear infections are covered under the accident and illness insurance policy. All of them are included in the wellness benefits plan that is part of the accident and illness coverage plan.
Benefits
GEICO pet insurance provides more than just financial protection; it also includes a number of perks that might improve your pet’s quality of life. The insurance provider does not require you to use a specific veterinarian or specialist, so you are free to seek care for your pet from any qualified practitioner.
In addition, there is no upper age restriction on GEICO’s pet insurance, so your pet can be covered no matter how old they are. Owners of pets of breeds generally excluded from insurance policies will also be pleased to learn that this policy does not impose any such limits.
Finally, GEICO pet insurance includes a pet helpline that is staffed by qualified veterinarians around the clock. This is a great resource for pet owners who have questions about their pet’s care.
Costs
Plan selection, pet breed, pet age, and geographic region all affect the final price of GEICO pet insurance. First comes the accident-only plan, then the accident-and-illness plan, and finally the accident-and-illness plan with wellness benefits, in order of increasing cost.
A two-year-old mixed-breed dog, for instance, would pay around $10 per month for the accident-only plan, $30 per month for the accident-and-illness plan, and $50 per month for the accident-and-illness plan with wellness features. Costs may be more or less than these estimates, so it’s important to keep that in mind.
It’s vital to remember that GEICO does not cover pre-existing conditions while shopping for pet insurance. In other words, the coverage won’t pay for treatment for whatever ails your pet before you sign up for it. However, coverage for new medical issues will be provided after enrollment.
GEICO’s pet insurance
Know that there is a yearly deductible and a reimbursement percentage with GEICO’s pet insurance. The deductible is the amount you must pay before your insurance begins paying anything. Once the deductible has been met, the insurance company will pay the reimbursement percentage for covered costs. GEICO’s pet insurance has reimbursement percentages between 70% and 90% and deductibles between $100 and $1,000.
Think about your pet’s age, breed, and general health before settling on a plan. Accident-only coverage may be adequate for younger pets because they are less prone to become ill. The need for a more extensive strategy increases with the age of the pet or the presence of preexisting conditions.
If you want to ensure your pet’s health and well-being, GEICO pet insurance is a good choice. Those shopping for pet insurance should give this option serious thought because of its extensive protections, numerous advantages, and affordable premiums. Do your homework, shop around, and study the tiny print to find the best plan for you and your pet.
The waiting period is another factor to think about with GEICO pet insurance. Upon enrollment, there is typically a waiting period before coverage begins under GEICO’s pet insurance policy. Standard waiting periods for hospitalization are 14 days and for accidents, it’s 48 hours. In other words, medical expenses incurred before the end of the waiting period will not be paid.
In addition, you can personalize your GEICO pet insurance policy by selecting a deductible and reimbursement percentage that best suits your needs. This might assist you in locating a plan that is both affordable and comprehensive.
There is a lifetime cap on coverage with GEICO’s pet insurance. Your pet’s age and breed determine the maximum allowance. However, the insurance company will no longer pay for your pet’s medical bills after the lifetime maximum is reached.
Finally, it’s worth noting that Embrace Pet Insurance is the insurer behind GEICO’s pet insurance. You may have faith in the kind of coverage you’ll receive from Embrace because it is a respected pet insurance business with good customer satisfaction ratings.
Conclusion
Finally, pet owners who value comprehensive coverage, customizable plans, and affordable premiums will find a lot to like in GEICO’s pet insurance offerings. While shopping for pet insurance, it’s important to take into account your pet’s specific requirements and your financial situation. GEICO pet insurance offers a variety of features and coverage levels to ensure that both you and your pet are cared for in the event of an emergency.