Geico Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison

Geico Pet Insurance Plans Vs. Spot Pet Insurance Plans Comparison

Choosing a pet insurance provider is a huge decision. You have house insurance and auto insurance, but is pet insurance worth the investment? You stay on top of their health in other ways, making sure they have their vaccinations and spaying and neutering as needed on top of routine care. What else can you do? As a good pet parent, you want to ensure your pup has the best coverage possible. There are a lot of different providers’ plans to look through, each with its own pros and cons.

See how Spot plans stack up

You need a pet insurance provider who wants to help you find a plan personalized to suit you. At Spot Pet Insurance, we offer exactly that — but so does Geico. Both Geico and Spot offer pet insurance plans that provide access to a 24/7 pet telehealth service (Spot plans 24/7 telehealth service is powered by VetAccess™).

How can you determine which plan is better, whether you’re looking for cat insurance, dog insurance, or something else? We can help you find that peace of mind.

We’ve provided a helpful list of some differences between pet insurance plans provided by Spot and Geico to help you find the pet insurance policy your pet needs.

Spot Pet Insurance logo white

No Upper Age Limit

spot heart item included

Exam Fees

spot heart item included

Behavioral Issues

spot heart item included

Preventive Care

spot heart item included


spot heart item included

Prescription Foods

spot heart item included

Alternative Therapies

spot heart item included

Chronic Conditions

spot heart item included

One Annual Deductible

spot heart item included


spot heart item included

Hereditary & Congenital Conditions

spot heart item included

Dental Illness

spot heart item included

Multi Pet Discount

spot heart item included

30-Day Money Back Guarantee

spot heart item included
heart item included icon/
checkmark item included iconIncluded
x item not included iconNot included/Some inclusions

Comparison information is provided using publicly available information as of 10/18/2022 and is only meant to summarize program features, not a specific plan. Review the provider’s plan terms for more details. The description of the providers’ plans is not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep the information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing

Spot Pet Insurance plans have a 14-day waiting period for orthopedic conditions

For the accident & illness plans provided by Spot, the waiting period for all conditions is 14 days. That means there is a 14-day waiting period for orthopedic conditions too.

Plans provided by Geico have a 180-day waiting period for orthopedic conditions, like hip dysplasia. You have to wait six months for your orthopedic conditions coverage to start. However, you can possibly reduce the waiting period to 2 days for orthopedic injuries and 14 days for orthopedic illnesses by completing a waiver process. To complete the waiver process, you will need to take your pup to a vet for an orthopedic exam. If the vet doesn’t find any signs of an orthopedic condition, then your waiting period will be reduced. You will need to pay for that vet visit out of pocket unless you purchase a wellness plan or other type of plan from Geico that covers the exam.

Spot plans include coverage for microchip implantation

Although we know your pet loves you, we also know that your pet might wander off on an adventure by themselves. Your pet might get lost on such a journey, and a well-meaning soul could take them to the nearest vet or animal shelter to help your furry family member find their way home.

Because of situations like these, all core plans offered by Spot Pet cover microchip implantation. You do not need to purchase an add-on to get the coverage. We want to help ensure that you and your pet can be reunited as a happy family as quickly as possible. With a microchip, anyone with a scanner can learn your information to return your dog or cat to you.

Core pet insurance plans provided by Geico do not cover microchip implantation. However, you can get coverage for microchip implantation if you purchase the wellness plan add-on offered by Geico. If you want microchip implantation covered, you have to pay a little extra for the additional wellness plan.

Spot Pet Insurance provides plans for seniors

Many pet insurance plans will place an upper age limit on new enrollments. The older a dog or cat gets, the more health issues they will likely end up having. Older pets are especially prone to illnesses.

With pet insurance plans provided by Spot, you can sign up for a plan even if your pet is getting on in years. We want your furry companion to be comfortable and enjoy life in their old age, so the accident and illness plans we offer don’t have an upper age limit.

Geico’s Pet Insurance will provide an accident-only plan for your elderly pet. However, if your pet is over 15 years old, they can’t be enrolled in a new accident & illness plan.

If you are the proud owner of a senior pup or kitty and need a new insurance plan, they can enroll in an accident & illness plan provided by Spot. You won’t be able to enroll your pet in an accident & illness plan provided by Geico if your pet is older than 15 years old.

Spot Plans Cover the Cost of Prescription Medication and Supplements

Plans from Spot Pet Insurance cover the cost of prescription medications and supplements if they are prescribed by a licensed vet to treat a covered condition.

With a Geico plan, you will have to purchase an add-on for your policy for prescription medications to be covered. Prescription supplements are not covered by Geico plans.

The Pros of Spot Pet Insurance

At Spot Pet Insurance, we want to help make sure your pet can be well cared for. We know you have a lot of insurance plans to look into, but we hope we’ll be allowed to help you and your pet. If you want side-by-side comparisons of Spot Pet Insurance plans and plans provided by other popular pet insurance providers, check here.

Tucker's Road to Recovery

When emotional support dog Tucker experienced a life-threatening injury to his neck, he needed extensive treatment. His pet parent Kim was able to choose the treatment option that would provide Tucker with the best quality of life because of the financial support provided by Tucker's Spot plan.

Cost of Treatment: $4,305

Spot Plan Reimbursed: $3,874.505

Have More Questions?

Visit our blog to learn more about how pet insurance works and the benefits it can offer you and your pet.

A couple sits on a couch with a friendly dog.

What Does Pet Insurance Cover?

A veterinarian examines a beagle dog.

What is the Waiting Period in Pet Insurance?

A person in a gray sweater and jeans dances with a large dog in a bright living room.

What are Pre-existing Conditions?

A man in a brown hoodie kisses the paw of a golden retriever wearing a red collar.

How Does Pet Insurance Work?


Happy Pet Parents Trust Spot

Spot Is a Pack Leader