Is USAA Pet Insurance Good? Here's How It Stacks Up

by Kari Steere, Licensed Insurance Agent
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Is USAA Pet Insurance Good?
Is USAA Pet Insurance the best option for you and your pet? Learn more about the company’s insurance plans, prices, unique features, waiting periods, and more to see how it stacks up to other pet insurance providers.

Pet insurance helps provide peace of mind knowing you won’t need to choose between the well-being of your four-legged friend and your financial stability. USAA pet insurance can help you save money while giving your pet the best care possible in case of an illness or injury.

Read on to learn more about USAA pet insurance plans, prices, exclusions, and more to decide if this provider is the right choice for you and your pet.

Table of Contents

Does USAA offer pet insurance?

The United Services Automobile Association (USAA) has provided financial services such as affordable banking, investment solutions, and insurance policies to servicemembers for almost 100 years — and now, the company offers protection for pets, too.

USAA partnered with Embrace Pet Insurance to offer this new product to its customers, joining the likes of other well-known insurance companies, such as Nationwide, Geico, and Progressive, who have recently entered the pet marketplace.

Even though USAA doesn’t administer pet insurance directly, customers still have the option to bundle multiple USAA products together, including renters, homeowners, and automobile insurance policies. With its new partnership, USAA pet insurance policies are underwritten by American Modern Insurance Group Inc., a company that received an A- rating by AM Best.

USAA Pet Insurance review

Available plans

USAA pet insurance is available in two different plans: Accident & Illness and Accident-Only.

  • The Accident & Illness plan covers most essential veterinary services needed to treat injuries and illnesses, including chronic conditions (like allergies), cancer treatment, congenital conditions, MRIs, CT scans, ultrasound, and X-rays, hospitalization and surgery, exam fees, and so on. The required waiting period before customers can file an insurance claim for illness is two weeks (six months for orthopedic conditions). The waiting period for accidental injuries is only 48 hours, which is much shorter than the 14-day period offered by most pet insurance providers.

  • Accident-Only coverage comes with a 90% reimbursement rate, a $100 deductible, and a coverage limit of $5,000 per year — but it only covers injuries, such as those related to poisoning, foreign body ingestion, bloating, cuts, and lacerations. Dogs over 14 will automatically convert to to this type of coverage, so USAA'S pet insurance for older pets does not include illnesses. However, you can also select this plan at the time of enrollment as a low-cost way to offset the financial risk of expensive pet emergencies.

USAA also offers its members a Wellness Rewards plan for coverage of preventive pet care. This plan allows you to set funds aside for routine health services such as:

Customers can choose an annual limit of $250, $450, or $650. It should be noted though that any funds left in your account at the end of the year are non-refundable.

Exclusions

Like most pet insurers, USAA does not cover pre-existing conditions. However, the company offers some coverage for certain pre-existing conditions that are considered curable. The list includes UTIs, respiratory infections, diarrhea, vomiting, and other GI disorders. It should be noted though that USAA will cover the treatments for these conditions if your four-legged friend is symptom-free and treatment-free for a year.

Pricing

When it comes to pet insurance cost, USAA’s pet insurance pricing is determined by Embrace. In general, prices are affordable, with monthly rates starting at $13 for dogs and $8 for cars. Prices vary based on the policy, the coverage you select, the reimbursement rate, as well as the pet’s age. The Wellness Reward program is offered at a flat rate for all pets regardless of their breed and age.

Discounts

USAA members qualify for a 15% discount for accident and illness, accident-only, and wellness coverage. In addition, Embrace offers a 10% multi-pet discount, as well as an additional 10% if your employer offers Embrace Pet Insurance as an employee benefit, which means that discounts can extend up to 25%.

In addition, your annual deductible is automatically reduced by $50 for each year your pet goes without receiving a claim reimbursement. You can also save an additional $12 by paying the annual premiums upfront.

Reimbursement times

Claims are filed directly with Embrace via its website, smartphone app, postal mail, email, or fax. Embrace usually takes between ten and 15 days to process a claim.

female soldier with dog and son

What we like about this coverage

  • What distinguishes USAA pet insurance apart from other providers is the generous discounts (15-25%) and special coverage offered to current or former active-duty military members and their families.
  • Another unique feature is USAA’s pet dental insurance with up to $1,000 in coverage for dental illnesses per year, and coverage for dental accidents up to the customer’s policy limit. This includes veterinary costs for extractions, broken, fractured, and chipped teeth, crowns, root canals, and gingivitis.
  • USAA will reimburse the cost of prescribed pet medications for covered illnesses and accidents, including pain relievers, antibiotics, insulin, steroids, allergy medication, anxiety medication, etc.
  • Unlike some insurance providers, USAA has a flexible policy when it comes to pre-existing conditions. If your pet has been without symptoms or treatment for at least a year, the condition is no longer considered pre-existing.

What could be improved

One of the biggest downsides of USAA pet insurance is that it is exclusively available to military members; only former and current members of the military and their families are eligible for USAA membership. If you are not a USAA member, you can still apply for pet insurance through Embrace.

USAA doesn’t offer unlimited plans. Their annual limit for claim reimbursement goes up to $30,000 per year.

Claims are processed within ten to 15 days, which is much slower compared to other providers. For instance, AKC pet insurance takes three to five days to process claims.

Is USAA’s pet insurance worth it?

In our USAA Pet Insurance review, we found that the company offers generous discounts on Embrace pet insurance plans. However, it's important to note that this discounted pricing is only offered to USAA members.

If you don’t qualify for USAA membership, you can apply for pet insurance directly through Embrace. You can also explore Pawlicy Advisor’s pet insurance comparison charts for an in-depth look at top pet insurance providers’ coverage details and offer pet owners personalized plans based on their individual pet. This can help significantly when it comes to figuring out what coverage is best for your pet based on its location, age, breed-specific health risks, and more.

Kari Steer, Licensed P&C Insurance Agent at Pawlicy Advisor

About the author

Kari Steere, Licensed Insurance Agent

Customer Support - Pawlicy Advisor

Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. As an animal lover with a rescued Terrier named Barry, when she's not helping pet owners find the perfect plan on Pawlicy Advisor, she runs a ranch in Oregon and rehabilitates any animals that come across her path.

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