USAA Pet Insurance: Comprehensive Coverage for Your Pet

usaa pet insurance guide

Owning a pet brings immense joy and companionship, but it also comes with responsibilities, including ensuring their health and well-being. That’s where pet insurance becomes invaluable.

USAA, a trusted provider of financial products and insurance since 1922, has expanded its offerings to include pet insurance through its partnership with Embrace Pet Insurance Agency, LLC.

In this comprehensive guide, we will explore USAA’s pet insurance plans, coverage options, pricing, and more to help you make an informed decision for your furry friend’s health.

Understanding USAA Pet Insurance

USAA pet insurance is offered through Embrace, a highly regarded pet insurance provider known for its excellent coverage and customer service. By partnering with Embrace, USAA members receive exclusive benefits, including a 15% discount on their pet insurance premiums.

Active duty military members and those insuring multiple pets can enjoy additional savings of up to 25%. Let’s delve into the details of USAA’s pet insurance options to see how they can benefit you and your pet.

USAA Pet Insurance Plans and Coverage

USAA offers a range of pet insurance plans through Embrace, ensuring comprehensive coverage for your beloved companion. The accident and illness plan is the most popular option, covering a wide range of veterinary treatments and services.

From emergency room visits to surgeries and prescription medications, this plan has you covered. Additionally, USAA offers an accident-only plan for those looking for more cost-effective coverage that focuses specifically on accidents and injuries.

Accident and Illness Coverage

USAA’s accident and illness coverage plan provides extensive protection for your pet’s health. It covers various treatments, including alternative therapies, diagnostic testing, emergency room visits, surgeries, and more.

Whether your pet needs treatment for chronic conditions, such as arthritis or diabetes, or requires specialized care for breed-specific conditions, this plan ensures that your furry friend receives the best possible care.

Accident-Only Coverage

USAA’s accident-only plan is designed to provide financial protection in the event of accidents or injuries. It covers expenses related to broken bones, ligament tears, foreign object ingestion, and other accident-related treatments. While this plan does not cover illnesses, it can be an affordable option for pet owners primarily concerned about unexpected accidents.

Optional Wellness Plans

In addition to accident and illness coverage, USAA offers optional wellness plans through Embrace. These plans help cover the cost of routine preventive care, such as vaccinations, wellness exams, grooming, and more. By adding a wellness plan to your coverage, you can ensure that your pet receives essential preventive care to maintain their overall health and well-being.

Pricing and Discounts

Pet insurance pricing varies based on several factors, including your pet’s age, breed, location, chosen coverage limits, deductibles, and reimbursement rates. USAA members enjoy a 15% discount on their pet insurance premiums, making the coverage even more affordable. Additionally, Embrace offers various discounts, such as multi-pet discounts and discounts for active military members. By taking advantage of these discounts, you can provide your pet with comprehensive coverage at a competitive price.

Benefits of USAA Pet Insurance

USAA’s pet insurance offers several notable benefits that make it an attractive option for pet owners. Let’s explore these advantages in detail:

Comprehensive Coverage

USAA’s partnership with Embrace ensures comprehensive coverage for your pet’s health needs. From accidents and illnesses to specialized treatments and prescription medications, the policies provide peace of mind, knowing that your furry friend is protected.

Flexible Plan Customization

USAA understands that each pet is unique, and their healthcare needs may differ. That’s why they offer flexible plan customization options. You can choose the coverage limits, deductibles, and reimbursement rates that best suit your pet’s requirements and your budget.

Discounts for USAA Members

As a USAA member, you can take advantage of exclusive discounts on your pet insurance premiums. The 15% discount offered by USAA makes comprehensive coverage more affordable for military members and their families.

Wellness Rewards Program

USAA’s optional wellness plans come with a Wellness Rewards program, which allows you to set aside funds for routine preventive care. This program covers essential services like vaccinations, wellness exams, grooming, and more, ensuring that your pet stays healthy and happy.

Diminishing Deductible

USAA and Embrace offer a diminishing deductible feature, where your deductible is reduced by $50 each year you don’t file a claim. This reward encourages responsible pet ownership and lowers the financial burden of future vet visits.

Exceptional Customer Service

USAA and Embrace pride themselves on providing exceptional customer service. With multiple channels of communication available, including online chat, a mobile app, and a 24/7 vet telehealth line, you can easily access the support you need for your pet’s health concerns.

Coverage Exclusions and Waiting Periods

While USAA’s pet insurance offers extensive coverage, it’s essential to be aware of certain exclusions and waiting periods. Understanding these limitations will help you make informed decisions about your pet’s insurance coverage.


USAA’s pet insurance does not cover pre-existing conditions, breeding, pregnancy or whelping, cosmetic procedures, DNA testing or cloning, and injuries caused deliberately or due to neglect. It’s important to review the policy terms and conditions to understand all the exclusions before enrolling your pet.

Waiting Periods

Waiting periods are the time between policy enrollment and when coverage begins for specific conditions. USAA’s pet insurance has a two-day waiting period for accidents and a 14-day waiting period for illnesses. For orthopedic conditions, there is a six-month waiting period, which can be reduced to 14 days if you complete an orthopedic exam and waiver process.

How to File a Claim

Filing a claim with USAA’s pet insurance is a straightforward process. After your pet receives treatment from a licensed vet, emergency clinic, or rehab facility, ask for an itemized invoice detailing the expenses.

Complete the claim form provided by USAA or Embrace, which can be found in your email or MyEmbrace account. Submit the claim form through email, fax, mail, or the Embrace mobile app.

USAA typically processes claims within a reasonable timeframe, allowing you to receive reimbursement for eligible expenses.

Availability and Customer Reviews

USAA’s pet insurance is available to USAA members nationwide. Whether you’re stationed abroad or residing in the United States, you can access comprehensive coverage for your pet’s health needs.

While USAA’s pet insurance is administered by Embrace, it’s important to consider customer reviews for both companies. Embrace has an A+ rating with the Better Business Bureau and receives positive feedback for its efficient claims processing and overall customer service.

However, some customers have expressed concerns about claim denials and rate increases. It’s advisable to review customer reviews and ratings to gain a comprehensive understanding of the insurance provider’s reputation.


USAA’s pet insurance, offered through Embrace, provides comprehensive coverage and exclusive discounts for USAA members. With flexible plan customization options, a diminishing deductible, and a wellness rewards program, USAA’s pet insurance ensures that your furry friend receives the best possible care.

While considering the coverage exclusions and waiting periods, it’s important to weigh the benefits and advantages of USAA’s pet insurance against your pet’s specific needs. By making an informed decision, you can provide your pet with the protection they deserve.