Geico Pet Insurance
Fetch Pet Insurance

Wondering who has the best pet insurance? We sniffed out the differences for you, so you can see how Fetch’s unmatched coverage is top dog.

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You had me at Fetch.

— Blanche

Geico doesn’t specialize in pet insurance, Fetch does

Fetch Pet Insurance is proud to protect over 425,000 pets (and counting!) with the most comprehensive coverage. Geico isn’t actually in the pet insurance business — if you sign up through their website, you’ll be re-routed to Trupanion or Embrace, which are totally different insurance providers. Confused? Let us break it down for you.

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Geico pet insurance doesn’t cover every tooth, Fetch does

Fetch Pet Insurance covers injury and disease in every adult tooth, not just the canines. Plus, you get full coverage, up to your annual limit, for periodontal disease (the most common disease in dogs and cats), oral tumors, trauma and more.

With Geico, you’ll be redirected to an Embrace or Trupanion pet insurance plan. Embrace Pet Insurance only covers up to $1,000 in dental illnesses per year. Trupanion offers limited dental coverage. If your pet requires costly dental surgery, you could be on the hook for an expensive vet bill.

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Geico pet insurance doesn’t enroll older pets — Fetch does

Fetch insures pets 6 weeks and older with no upper age limits.

With Geico, new enrollments are limited to pets under the age of 14 years old — whether you go with Trupanion or Embrace.

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Fetch has your back if you’re hospitalized

We’re not just here for your pet — should you require hospitalization for 4 days or more, we’ll cover up to $1,000 of your pet’s boarding fees.

Boarding fees aren’t covered in a standard plan with Geico. Embrace Pet Insurance 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 or pay for boarding fees out of pocket. With Trupanion, boarding in the event of hospitalization is only available if you pay extra for an add-on.

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Ready to give your pet the coverage they deserve?

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What should you consider when you’re comparing pet insurance providers?

What does the coverage include?

Not all pet insurance plans are created equally. If a provider doesn’t cover a condition your pet has or treatment they need, you won’t be able to file a claim and get paid back for it — which means you could run into some serious costs. Take a close look at all limitations and exclusions for a given pet insurance plan, which can include factors like upper age limits and exclusions for breed-specific conditions.

How much can you customize the price?

Getting a plan that works for your pet and your budget is key. With Fetch, you can customize your plan, including choosing your deductible, max annual payout and reimbursement rate. Not all providers let you customize your price like this.

What matters the most to you?

Every plan is different, and every pet parent is, too. Some people only want protection in case of injury and illness — the unexpected stuff you can’t see coming — while others also want coverage for things like chronic conditions. Make sure that what you’re paying for is what is best for your pet’s needs and your budget.

Add routine & preventive coverage, save up to $735 more a year

Fetch Wellness is an optional add-on to your Fetch Pet Insurance plan that gives your pet routine and preventive coverage (think: vaccines and annual exams).

Unexpected Visits

Get Fetch Pet Insurance

Covers injuries, illnesses, prescription medications & more.



Add Fetch Wellness

Covers annual exams, vaccinations, dental cleanings & more.

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Read customer reviews about Fetch Pet Insurance

Compare Fetch to Geico pet insurance

(which is actually Embrace or Trupanion)




(Embrace or Trupanion)



Covers pets of every age 6 weeks+

Use any vet in the U.S. and Canada

Offers wellness coverage

Sick-visit exam fees


Online vet visits

Alternative & holistic care

Behavioral therapy

Breed-specific conditions

Every tooth, plus gums


Not covered

Costs extra

Less coverage
than Fetch

This comparison is based on core policy coverage and the information is accurate as of September 2023.

Fetch Wellness is add-on coverage.

Embrace covers comprehensive periodontal disease in most states.

Embrace only covers any vet outside of the U.S. up to 6 months for travel.

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