Choosing the right pet insurance is a critical decision for pet owners. With the rising costs of veterinary care, having a safety net can make a significant difference in managing your pet's health.

As pointed out by Dr. Sandra Norman and Dr. Philippa Pavia in a CBS News article, the decision to invest in pet insurance is often a choice between facing expensive emergency care or potentially losing a pet due to financial constraints. Dr. Jim Stowe, in his paper, emphasizes the value of pet insurance in providing peace of mind and ensuring pets receive necessary treatment without the added stress of high costs.

So, in this article, we'll compare the Petcube Emergency Fund with Geico Pet Insurance, two notable options in the pet insurance landscape.


  1. What is Covered by the Insurance
  2. What is Not Covered by the Insurance
  3. How Many Pets Can Be Insured
  4. What is The Waiting Period for Insurance
  5. How Much Does Insurance Cost
  6. How to Cancel Pet Insurance
  7. Conclusion

What is Covered by the Insurance

Understanding what is covered by pet insurance is fundamental to choosing the right plan for your pet. Coverage can vary significantly between providers, so it’s essential to know the specifics.

Petcube Emergency Fund

Petcube’s Emergency Fund is specifically designed to cover emergencies. It's a focused plan that provides coverage for the most critical and immediate health situations your pet might face. The fund covers:

  • Bite Wounds: Up to $1,500.
  • Toxic Ingestion: Up to $3,000 for cases of poisoning or consuming harmful substances.
  • Surgery: Covers surgical costs up to $3,000.
  • Car Accidents: Up to $2,371 for treatments related to car accidents.
  • Poisoning: Treatment costs are covered up to $1,080.
  • Breathing Difficulty: Up to $2,371 for respiratory emergencies.

This coverage is targeted at providing financial support during life-threatening situations, ensuring that pet owners can afford emergency care when their pets need it most.

Geico Pet Insurance (Administered Through Embrace)

Geico offers a range of pet insurance plans in partnership with Embrace, each catering to different needs:

1. Accident and Illness Plan:

  • Covers general, specialist, and emergency care, including hospitalization, surgery, cancer treatments, chronic conditions, dental trauma, prescription drugs, genetic conditions, exam fees, congenital conditions, allergies, imaging (CT scans, X-rays, ultrasounds, MRIs), lab tests, biopsies, and physical therapy.
  • Note: Available to pets 14 and under.

2. Accident-Only Plan:

  • Covers foreign body ingestion, being hit by a car, prescription medications for covered accidents, poisoning, bloating, torn cruciate ligament, cuts, and lacerations.
  • No age limitations, but only covers accidents.

3. Wellness Rewards for Routine Care Plan:

4. Coverage Levels

  • Geico allows policy customization by selecting deductible amounts, reimbursement rates, and annual coverage limits. These choices impact the monthly premium, offering flexibility to pet owners to tailor the policy to their financial needs and pet care requirements.

What is Not Covered by the Insurance

Now let’s take a closer look at what each insurance option does not cover for your pet.

Petcube Emergency Fund

Petcube's Emergency Fund is specifically tailored for emergencies and therefore does not cover several aspects of routine and non-emergency veterinary care. The exclusions include:

  • Scheduled Appointments: Regularly planned visits to the vet are not covered.
  • Scheduled Surgeries: Surgeries that are not emergent and can be planned are not included.
  • Regular Check-Ups: Routine health check-ups are outside the scope of this emergency-focused fund.
  • Wellness Visits: General wellness visits, which are part of regular pet healthcare, are not covered.
  • Pregnancy Issues: Complications or care related to pregnancy and breeding are not included.
  • Parvovirus: Specific illnesses like Parvovirus, which typically require planned treatment, are not covered under the Emergency Fund.

The Petcube Emergency Fund is designed to provide financial support during unforeseen and immediate health crises, ensuring that pet owners are not burdened with exorbitant costs in life-threatening situations.

Geico Pet Insurance

Geico's Pet Insurance offers a broad range of coverage but also has its exclusions, which are important for pet owners to be aware of:

  • Pre-existing Conditions: Any conditions that your pet had before the insurance policy went into effect are not covered.
  • Intentional Injury: Injuries caused intentionally by you or anyone else in your home are excluded.
  • Injury or Illness from Fighting, Racing, Cruelty, or Neglect: Any harm resulting from these activities is not covered.
  • Cosmetic Procedures: Procedures that are not medically necessary, such as tail docking, ear cropping, and dewclaw removal, are excluded unless they are necessary for the health of the pet.

These exclusions are typical of pet insurance policies and are crucial for pet owners to consider when selecting the right insurance plan for their needs.

How Many Pets Can Be Insured

In choosing pet insurance or an emergency fund, one of the considerations for pet owners, especially those with multiple pets, is how many animals can be covered under a single plan. This aspect is crucial for households with more than one pet.

Petcube Emergency Fund

The Petcube Emergency Fund stands out as an advantageous option for multi-pet households. It allows for coverage of up to six domestic pets under one monthly premium. This inclusive policy means that whether you have one pet or as many as six, they can all be safeguarded under the same policy.

However, it's important to understand the structure of the coverage. While the Emergency Fund provides a cap of $3,000 per claim, it's designed for one claim per pet per year. This means that if you claim for one pet in a given year, you will have to wait until the next annual cycle before you can claim for another pet. This approach balances the need to provide emergency coverage for all your pets, ensuring that each has access to necessary care in critical situations.

Geico Pet Insurance

In contrast, Geico Pet Insurance requires individual policies for each pet. This means that for households with multiple pets, each animal will need its own separate insurance plan. While this might seem less convenient compared to a multi-pet policy, it allows for each pet's coverage to be tailored to their specific health needs and circumstances. This individualized approach ensures that each pet's insurance is customized, but it also means managing multiple policies for multi-pet households.

What is The Waiting Period for Insurance

The waiting period for pet insurance is a crucial aspect to consider when enrolling in a new policy. This period is set to prevent the filing of claims for pre-existing conditions or immediate health issues, thereby mitigating fraudulent activities and helping to maintain lower rates for all policyholders. Understanding the waiting periods for each insurance option is important for pet owners to ensure they have coverage when needed.

Petcube Emergency Fund

The Petcube Emergency Fund enforces a 14-day waiting period from the start of the subscription. This period is a precautionary measure to prepare both the pet owners and Petcube for any potential emergencies that might arise. To enhance the customer experience, Petcube adopts a proactive approach by notifying pet owners via email once the waiting period concludes.

This notification system is a thoughtful way to inform clients that their emergency coverage is active and operational. It removes the burden of tracking the waiting period manually, providing peace of mind and convenience to pet owners.

Geico Pet Insurance

For policies obtained through Geico, the waiting periods vary based on the type of claim. There is a 14-day waiting period for illnesses, allowing time to ensure that the illness is not a pre-existing condition. For accidents, the waiting period is much shorter, at just 48 hours. However, for orthopedic conditions, the waiting period extends to six months.

These waiting periods are implemented to discourage fraudulent claims immediately after enrolling in a new policy, particularly for pre-existing conditions. By reducing the risk of fraud, such measures help keep insurance rates more affordable for all policyholders.

How Much Does Insurance Cost

When it comes to pet insurance, the cost is a significant factor for pet owners. It's important to understand the pricing structure of different insurance options to choose one that fits your budget and meets your pet's needs.

Petcube Emergency Fund

  • Monthly Cost: The Petcube Emergency Fund charges a flat rate of $29 per subscription, which covers up to six pets in a household.
  • Yearly Cost: Annually, this amounts to $348, calculated as 12 times the monthly fee.
  • No Hidden Fees: Petcube assures no sign-up, administrative, or surprise charges.
  • Special Offer: Petcube provides a special offer for our readers – a 27% discount, accessible via this link.

The Petcube Emergency Fund offers a straightforward and affordable plan, especially beneficial for multi-pet households. Its flat-rate pricing and the absence of hidden fees make it a transparent and cost-effective choice for pet owners.

Geico Pet Insurance Cost

  • Variable Costs: The monthly premium for Geico Pet Insurance varies based on location, pet size and breed, age, and health history. It also depends on which options you choose for your insurance.
  • On average, dog owners can expect to pay around $30 a month per dog, while cat owners might pay around $15 a month per cat. Estimated Costs vary based on breed and age, as well as your location.
  • Geico does offer an annual discount if you pay an entire year’s insurance upfront and offers a 10% discount if you enroll more than one pet.

How to Cancel Pet Insurance

Now, suppose you want to cancel Geico pet insurance or Petcube’s Emergency Fund, how do you do it?

Petcube Emergency Fund

Canceling the Petcube Emergency Fund is designed to be hassle-free and user-friendly:

  • How to Cancel: This can be easily done through the Petcube app or by visiting their website.
  • Cancellation Process: A straightforward, few-click process without the need for lengthy phone calls or emails.

Petcube's simple cancellation process reflects its commitment to customer convenience, ensuring that policyholders can make changes to their plans without undue stress or complication.

Geico Pet Insurance

Canceling your Geico Pet Insurance involves several specific steps:

  • Contacting Geico Customer Service: To initiate the cancellation process, reach out to Geico’s customer service department. Have your policy details ready for reference.
  • Providing Necessary Information: Be prepared to provide your name, policy number, and any other required information to verify your identity and locate your policy.
  • Confirming Cancellation: Geico will confirm the cancellation of your pet insurance policy, noting the effective date and any applicable refunds or fees.

Geico aims to provide transparency and clarity during the cancellation process. Their customer service team is available to assist you in navigating through the process, ensuring you have a positive experience even when canceling your policy.


Whether you are looking to cancel your Petcube Emergency Fund subscription or Geico Pet Insurance policy, both companies have streamlined processes to ensure ease and efficiency for their customers. Understanding these procedures allows for a stress-free experience, enabling pet owners to make changes to their pet insurance coverage as their needs evolve. Remember to keep a record of your cancellation confirmation for future reference.

This clear understanding of the cancellation processes for both Petcube and Geico ensures that pet owners can manage their pet insurance plans with confidence and convenience.

Was this article helpful?

Help us make our articles even better

Yes No

Thank you for your feedback