Fetch Pet vs. Geico Pet Insurance: coverage comparison
Is Geico or Fetch Pet Insurance better?
Fetch Pet is better, reimbursing you for what Geico doesn’t cover at all or charges extra for. Geico is not devoted exclusively to pet insurance — Fetch Pet is. In fact, if you sign up on Geico’s website, you’ll be re-routed to Embrace — a totally different insurer. When you sign up for Fetch Pet, you’re getting Fetch Pet: the most complete coverage for dogs and cats from pet insurance specialists.
Geico doesn’t reimburse 100% on hundreds of qualifying pet meds.† Fetch Pet does.
Geico doesn’t cover online vet visits. Fetch Pet does.1
Geico caps dental coverage at $1,000/yr. Fetch Pet has complete dental coverage for every tooth, plus gums, up to your max annual payout.
Fetch Pet covers what Geico doesn’t
Geico might be a recognizable name when you’re thinking about insurance, but when it comes to protecting your dog or cat, Fetch Pet has the most complete coverage. This includes full-mouth dental, behavioral therapy, telehealth and more. Take a look and see how Geico covers less than Fetch Pet.
 |  | |
|---|---|---|
Online pharmacy. |  | |
Every tooth, plus gums | | |
$1,000/yr. in online vet visits | | |
$1,000/yr. in behavioral therapy | | |
Comparison of coverage is based on core policy coverage and the information is accurate as of August 2026. All coverage is subject to policy limit.
Geico limits or excludes dental, telehealth & more — Fetch Pet doesn’t
100% reimbursement on hundreds of qualifying pet meds with Fetch Pet Rx†
Order your pet’s medications from our online pharmacy, Fetch Pet Rx, and get 100% reimbursement on qualifying meds — delivered right to your door.
Geico does not do this. Only Fetch Pet reimburses 100% of your pet’s medication costs — with $0 copay — when you use Fetch Pet Rx.
Nearly 75%
of pet parents report that their pet’s prescription cost is burdensome.
Fetch Pet has more dental coverage than Geico
Fetch Pet covers injury and disease in every adult tooth and your pet’s gums. Plus, you get full dental coverage for periodontal disease (the most common disease in dogs and cats), oral tumors, trauma and more.
Geico only covers $1,000/yr. for dental illness. Dental procedures can add up fast — a root canal averages $3,140, for example. Fetch Pet will reimburse you up to 90% for this, but Geico won’t cover any more than that first $1,000 for the entire year.
Fetch Pet reimburses 100% for online vet visits — Geico does not
Fetch Pet includes telehealth treatment, so you can call, text, email or video chat with any licensed vet to get support. Online vet visits are covered up to $1,000 a year.
Geico does not cover virtual vet visits. Their telehealth coverage is limited to a 24/7 helpline app where you can get guidance about your pet’s health and behavior, but they can’t diagnose your pet or provide a treatment plan.
Fetch Pet reimburses 100% for behavioral therapy. You won’t get this with Geico.
Fetch Pet covers up to $1,000/yr. for pet behavioral therapy. You get 100% reimbursement on this coverage with no copay, no deductible, no added costs.
Geico covers behavioral therapy, but you’re responsible for the copay and deductible costs, so you won’t be paid back 100% if your pet has issues like anxiety or aggression.
We couldn’t have afforded to keep Pablo without this coverage.
More coverage comes standard with Fetch Pet vs. Geico
| | |
|---|---|---|
Vitamins & supplements | | |
Sick-visit exam fees | | Costs extra |
$1,500+ in instant savings | | |
Boarding fees3 | | |
Comparison of coverage is based on core policy coverage and the information is accurate as of August 2026. All coverage is subject to policy limit.
Geico has coverage limitations you won’t find with Fetch Pet
Geico charges extra for vitamins & supplements your pet may need
Fetch Pet covers vitamins and other supplements when recommended by a vet to treat your pet’s illness or injury.
Geico only covers vitamins and supplements if you pay extra for their wellness plan (even when prescribed by a vet).
Vitamins like B12 are often needed to manage chronic gastrointestinal illness in dogs and cats.
Geico charges extra to cover sick-visit exam fees. This comes standard with Fetch Pet.
Fetch Pet covers the full sick visit — including exam fees, which can average $50 - $300 on top of any scans, tests or treatments your pet may need.
Geico charges extra to include sick-visit exam fee coverage in your plan.
7 in 10
pet parents who forgo veterinary care cite financial reasons
With Fetch Deals, you’ll get $1,500+ in instant savings on top pet brands
Fetch Members get exclusive access to ongoing discounts on food, treats, training and more with Fetch Deals. Your savings start the day you enroll — no waiting.
Geico doesn’t have a perks program, so you’ll save $0 on your pet’s favorite things.
Fetch Pet offers coverage for boarding fees. Geico doesn’t.
If you’re hospitalized for 4 days or more, Fetch Pet covers up to $1,000 of your pet’s boarding fees at no extra cost.
Geico doesn’t cover boarding fees, so if you’re ever hospitalized, you’ll likely need to pay someone else to take care of your pet.
Boarding a pet can cost up to
$185/night
Geico can cost you over $315 more a year than Fetch Pet: monthly premium comparison
If you sign up for pet insurance through Geico, you’re actually getting your policy through Embrace. But regardless of the name on the paperwork, a direct pricing comparison shows that Geico’s premiums can cost double what you’d pay for the same pet and policy with Fetch Pet. Not only can Fetch Pet cost you less, but it covers what insurers like Geico do not. Fetch Pet is the best coverage for puppies and kittens at the best price. Take a look at how much you can save in premiums with Fetch Pet compared to Geico.
Side-by-side pricing: Geico vs. Fetch Pet
Dog insurance | Cat insurance | |
|---|---|---|
| $29.74/mo. | $16.67/mo. |
 | $56.03/mo. | $41.81/mo. |
Monthly premiums exclude taxes and fees. Comparison based on quotes obtained May 28-June 5, 2026, for base accident & illness plans from Fetch Pet and Geico with a $10,000 annual limit, $500 deductible and 80% reimbursement rate for a male Small Mixed-Breed dog under 1 in zip code 90010 (CA) and a male Domestic Shorthair cat under 1 in zip code 30040 (GA). Premiums vary by pet, location and selected coverage.
How pet insurance claims work: It’s easy to get reimbursed with Fetch
1
You pay the vet first
You pay your pet’s bill in full at the veterinarian’s office during your visit.
2
Submit a claim to get paid back
Upload a picture of your paid invoice and supporting medical records and submit them in the Fetch Pet Insurance app.
3
Get reimbursed — fast
Claims are typically processed in less than 10 days. Once approved and you’ve met your deductible, get paid back up to 90% straight to your bank account when you set up direct deposit.
Find your best price by customizing your deductible, reimbursement rate & max payout with Fetch Pet
When you get a quote from Fetch Pet or Geico, you’ll be given options to customize the cost. With Fetch Pet, you can choose the deductible, reimbursement rate and max annual payout that work best for your pet and your budget.
Annual deductible
What is a deductible?
Your deductible is the amount of veterinary care you need to pay for yourself each year before your insurer starts reimbursing you.Example: If your pet insurance annual deductible is $300, you have to pay for $300 worth of approved veterinary care before you can start getting paid back for claims.
How does my deductible affect price?
Choosing a higher deductible will make your price lower.Max annual payout
What is a max annual payout?
The maximum dollar amount you can get paid back each year (sometimes this is called an “annual limit” in insurance-speak).Example: If your max annual payout is $15,000, the maximum amount your pet insurance can reimburse you is $15,000.
How does my max payout affect price?
Choosing a lower max annual payout will make your price lower.Reimbursement rate
What is a reimbursement rate?
Your reimbursement rate is the percentage of your vet bill that your insurance will cover.Example: If your reimbursement rate is 80% and you submit a claim for $500, we can cover up to $400.
How does a reimbursement rate work?
Choosing a lower reimbursement rate will make your price lower.
Fetch Pet’s Wellness plans are more affordable than Geico’s
When you add Fetch Wellness to your policy, you’ll get money back for the vet visits that help keep your pet healthy (think: annual exams, vaccinations, dental cleanings and more). With coverage for both unexpected vet visits and preventive care, you’ll have the full package for your pet’s happiest, healthiest life.
Both Fetch Pet and Geico offer wellness plans. But remember, Geico’s pet insurance is actually provided by Embrace — and their preventive care coverage isn’t as affordable. Geico’s least expensive option starts at $23/mo., but you can add Fetch Wellness to your pet’s plan for as little as $18/mo.
Fetch Pet has thousands of 5-star reviews on Trustpilot
Fetch is rated ‘Excellent’ on Trustpilot, with a 4.6 rating (out of 5) based on reviews from pet parents. Geico is only rated 1.4 across all their insurance products (home, auto, etc.).
Questions about how Fetch Pet compares to Geico, answered
Does Geico have pet insurance?
Is Geico pet insurance the same as Embrace?
Is Fetch Pet or Geico better?
Does Geico cover dental like Fetch Pet?
Does Geico pet insurance cover telehealth?
Which pet insurance covers more in one plan?
Can I switch from Geico to Fetch Pet?
Why do pet parents choose Fetch Pet over Geico?
