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USAA Pet Insurance Review

We’ve researched the best pet insurance companies and their coverage options. Today, our team will discuss the USAA Pet Insurance Policy for its overall coverage, customer satisfaction ratings, and cost.

Our Final Grade: B+

Founded in 1922, USAA, The United Services Automobile Association, offers a broad range of insurance plans to active duty military members anywhere in the United States or those stationed abroad and their family members as well as retired military.

USAA offers multiple insurance coverages from auto insurance to home insurance to name a few.  As a member of USAAm you may also choose from their different banking options as well as mutual fund investments and even retirement planning.

Like many other insurance companies, USAA has also started to offer pet insurance to pet owners.

USAA offers its pet health insurance through Embrace Pet Insurance Agency, LLC, their partner.

Embrace’s pet insurance plans and policies are underwritten by American Modern Insurance Company and American Southern Home Insurance Company.

Need Pet Insurance?

FACT: Pet insurance pays up to 90% of vet bills when your pet is sick or injured!

USAA Pet Insurance HighlightsUSAA pet insurance review

  • Bundle homeowners, banking and pet insurance – 15% discount
  • Wellness Rewards a supplementary insurance
  • Choose up to 90% reimbursement
  • Hereditary and Congenital conditions offered
  • Up to $650 allowance for dental care

Here’s how USAA Pet Insurance works:


USAA, through Embrace Pet Insurance, offers comprehensive pet insurance that covers all illnesses and accidents, cancer treatments, and more with different choices of reimbursement and benefit limits.

All USAA Pet Insurance Comprehensive Plans Include:

  • Accidents and Illness Coverage: Exam fees and emergency care fall under this category
  • Chronic Conditions
  • Hereditary & Congenital Conditions
  • Diagnostic Testing
  • Alternative Therapies
  • Behavioral Therapy
  • Surgeries
  • Hospitalization
  • Emergency Veterinary Care
  • Ligament Issues
  • Mobility Aids

Wellness Plans

USAA Pet Insurance has wellness plans, named Wellness Rewards, that gives pet parents an allowance towards some different routine procedures.

The choices are: $250, $450 or $650.

Wellness plans are not stand-alone plans but are an additional cost to the comprehensive policy.

Some of the procedures that are offered under wellness plans:

  • Spaying and Neutering
  • Annual Vet Visits
  • Vaccines
  • Heartworm
  • Flea Prevention
  • Dental Care
  • Reiki
  • Other Preventative Care

Wellness plans can be a nice addition to have an allowance towards preventative care costs, but most of these options are easily payable out of pocket.

View Rates with Embrace

Hereditary and Congenital Conditions

Hereditary and congenital conditions are covered under all of USAA’s plans.

Most of these are breed-related conditions that don’t show any symptoms on your dog or cat until years later (which is why it’s best to insure your pet while they are young).

Below are a few examples of hereditary conditions:

As long as any of these are not pre-existing conditions in your pet, they will be covered.

Alternative Therapy

woman pets white Labrador retriever while looking at usaa pet insurance

USAA is one of the few pet insurance companies, besides Healthy Paws, that offers alternative therapy treatment in all their plans.

Alternative therapy is great for older pets or just as a different non-invasive type of treatment.

Some of the therapies offered are:

  • Acupuncture
  • Chiropractic care
  • Rehab
  • Physical Therapy
  • Rehab therapy

Benefit Limits

USAA offers benefit limits that range choices of $5,000, $10,000 up to $30,000 in all states except NY. Unlimited is available in most states via phone enrollments.

While these limits might seem substantial enough to cover your pet, one serious accident can cost up to $20,000 so you would not be fully covered.

While it does help to lower premium rates, you want to make sure that your cat or dog is covered in all situations giving you peace of mind.

Other pet insurance companies, like Healthy Paws, offer unlimited benefits in all their plans.

Real Cost Savings from Nationwide Clients


Nationwide insurance saved his parents


Senta got a bone disease called hypertrophic osteodystrophy. Therapy and drug treatment cost $7,770. Senta is now back to his playful self.


You can choose a reimbursement level anywhere from 70% to 90% of your health care costs.

Having a few different reimbursement options can be helpful in budgeting your premium.

For example, the lower end of the reimbursement range would end up with a lower premium.

Deductible Amounts & Types

USAA offers many different deductible amounts from a low of $200 up to the highest of $1,000.

Their annual deductible is paid on the first vet bill of your policy year.

By choosing a higher deductible amount, it can help to reduce your monthly premium payment. Just like other health care plans, you may choose your annual deductible and annual maximum to fit your budgetary needs.

Related: 10 Things You Must Know Before You Buy Pet Insurance

What Is The Cost Of USAA Pet Insurance?

USAA Pet Insurance cost is competitive with the other top pet insurance providers.  Average premiums range from $13-$50.

The price is not only based on the premium and reimbursement rate you choose but also the breed of your pet, the co-pay you choose, your dog or cat’s age, and where you live.

The average monthly premium rates for dogs is $16.

The average monthly premium rates for cats is $9.

Discounts are available for the following:

  • A 15% if you are already a USSA member
  • A 5 % discount for members of the military and if you enroll more than one pet.

Claims Process

The claims process is handled through Embrace directly and is very easy to process.

You simply upload your claim form through Embrace’s App, which is called MyEmbrace, their customer portal.

You can fax or mail your claim if you prefer that option.

The usual turn-around time to get reimbursed on a claim is 5 to 15 days.

Because USAA is a partner with Embrace, you also have access to PawSupport, their 24/7 telehealth line.

Enrollment & Waiting Period

The waiting period to enroll your pet in USAA Pet Insurance is 2 days for accidents and 14 days for illnesses.

The age range for dogs and cats is 6 weeks to enroll and up to 14 years of age.

Cruciate Ligament and all orthopedic conditions have a 6 month waiting period before they are covered.

You need to give USAA a 2 to 4-week cancellation request if you don’t want the policy to automatically renew.

Real Cost Savings from Nationwide Clients


Nationwide insurance saved his parents


Max had a urinary blockage that required surgery. After medication and a few follow-up visits, he recovered well and is now doing great!

Frequently Asked Questions & Answers

Why would you sign up with USAA when you could just sign up with Embrace Pet Insurance?

The only real benefit is if you are already a member of USAA, you can get a pet insurance quote instantly and an extra 15% discount on your pet insurance premiums.

It’s also nice to have all your insurance with just one company, if possible.

Why would my pet need alternative therapy?

The benefit of alternative therapy is that it is non–invasive and more holistic than the more modern medical procedures.

Older dogs and cats can really benefit from the different rehab options, physical therapy, and even hydrotherapy if they have arthritis or any other physical condition.

How can you choose the best plan?

The best way to choose your plan is to have a list of questions ready and talk to their customer care representatives.

Every cat or dog is different and the customer care rep should give you the best pricing and options for your pet.

Are there any age limit restrictions?

Yes. Cats and dogs can be enrolled up to 14 years old.

However, your pet will never be dropped due to age if you have already enrolled in USAA Pet insurance.

What isn’t covered?

Just like most pet insurance plans like ASPCA, USAA Pet Insurance won’t cover any condition that is pre-existing, anything pregnancy-related, cosmetic or elective procedures, or injury due to abuse or fighting.

Is USAA Pet Insurance For You?

USAA Pet insurance is a good pet insurance option for their members and does offer a variety of different plans to help budget your premiums.

With an additional 15 % discount as a USAA member, this can be very helpful to lower the premiums.

While they don’t offer unlimited benefit options, like Healthy Paws, they do offer unlimited benefits options in most states via phone enrollment and they have very comprehensive coverage.

The best way to know if USAA Pet Insurance is a good fit for you is to go to their site and figure out the best option for you and your pet.

Or, of course, you can go to Embrace directly and get pricing from them.

If you want to get a quote from a different pet insurance company, our top 10 pet insurance companies to give you more options!


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The Best Pet Insurance By State 

What Is Pet Insurance?

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