If you’re a military family or a USAA member wondering how to protect your furry friend, USAA pet insurance might be exactly what you need. But what makes USAA pet insurance so appealing? Is it truly worth the investment? In this detailed guide, we’ll walk you through the ins and outs of USAA pet insurance, including its benefits, coverage options, costs, and whether it’s the right fit for your loyal companion.
Quick Summary
| Feature | Details |
|---|---|
| Provider | USAA via Embrace Pet Insurance |
| Coverage Type | Accident & Illness, Wellness (add-on) |
| Monthly Cost | Average $30–$60 depending on breed and location |
| Deductibles | $100 – $1,000 annually |
| Reimbursement | 70%–90% |
| Waiting Periods | 2 days for accidents, 14 days for illnesses |
| Discount | Up to 25% for USAA members |
| Availability | U.S. military personnel and their families |
What Is USAA Pet Insurance?
USAA pet insurance is a specialized insurance plan offered to USAA members — primarily military personnel, veterans, and their families. While USAA doesn’t directly underwrite the insurance, it partners with Embrace Pet Insurance, a well-regarded name in the pet insurance space.
Embrace provides a customizable and reliable insurance product, and through USAA, policyholders receive exclusive military discounts, excellent customer service, and tailored plans that match the mobile lifestyle of service members.
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Why Choose USAA Pet Insurance?
Choosing USAA pet insurance comes with a multitude of benefits, especially for those affiliated with the military. Here’s what sets it apart:
Exclusive Member Discounts
USAA members can save up to 25% on their pet insurance premium. This discount includes a standard 15% off and an additional 10% if no claims were filed in the previous policy year.
Trusted Partner – Embrace
Embrace is known for its fast claim processing, comprehensive coverage, and top-tier customer support. When you buy USAA pet insurance, you’re getting the strength of USAA with the expertise of Embrace.
Customizable Plans
You can choose your deductible, reimbursement rate, and annual limit, giving you full control over the price and coverage.
Coverage That Moves With You
Military families often relocate. USAA pet insurance stays with you regardless of where you’re stationed in the U.S., providing peace of mind in uncertain times.
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Coverage Details: What Does USAA Pet Insurance Include?
Understanding what USAA pet insurance covers is crucial. Here’s a breakdown of the plan:
Accident and Illness Coverage
This is the core offering of USAA pet insurance, covering:
- Accidents (broken bones, poisoning, sprains)
- Illnesses (cancer, diabetes, allergies, ear infections)
- Genetic and hereditary conditions
- Specialist and emergency care
- Diagnostic testing (X-rays, MRIs, blood work)
- Hospitalization and surgery
- Prescriptions
Wellness Rewards (Optional)
For an additional fee, you can add preventive care with Embrace’s Wellness Rewards. It covers:
- Vaccinations
- Annual checkups
- Grooming
- Flea, tick & heartworm preventatives
- Spay/neuter surgery
- Dental cleaning
Keep in mind, this is not insurance but a reimbursement-based wellness plan.
What’s Not Covered?
Like all insurance policies, USAA pet insurance excludes certain items:
- Pre-existing conditions
- Cosmetic procedures (tail docking, ear cropping)
- Breeding and pregnancy
- Routine care (unless wellness plan is added)
- Experimental treatments
- Behavioral training
Understanding these exclusions is key when comparing providers. USAA pet insurance is transparent about these terms, which helps you make an informed choice.
How Much Does USAA Pet Insurance Cost?
The cost of USAA pet insurance varies depending on several factors:
- Breed and age of your pet
- Location
- Chosen deductible and reimbursement rate
- Wellness add-ons
Sample Premiums
| Pet | Age | Location | Monthly Cost |
|---|---|---|---|
| Labrador Retriever | 2 years | Texas | $35/month |
| French Bulldog | 3 years | California | $55/month |
| Domestic Cat | 1 year | Florida | $18/month |
With the USAA member discount, costs can become even more affordable, especially if you’re insuring multiple pets or maintain a claim-free history.
How Claims Work with USAA Pet Insurance
Filing claims with USAA pet insurance through Embrace is straightforward:
- Visit your vet – No networks, visit any licensed vet.
- Pay upfront – You cover the bill and get a receipt.
- Submit a claim – Through the Embrace app or portal.
- Get reimbursed – Typically within 10–15 business days.
Embrace offers a fast and simple process, and many customers report positive experiences thanks to clear communication and transparent timelines.
USAA Pet Insurance vs. Competitors
| Feature | USAA (via Embrace) | Healthy Paws | ASPCA | Trupanion |
|---|---|---|---|---|
| Max Discount | 25% | None | 10% | None |
| Custom Plans | ✅ | ❌ | ✅ | ❌ |
| Wellness Plan | ✅ | ❌ | ✅ | ❌ |
| Mobile App | ✅ | ✅ | ✅ | ✅ |
| Direct Vet Pay | ❌ | ❌ | ❌ | ✅ |
USAA pet insurance stands out with its exclusive discounts, flexible coverage options, and veteran-focused support. While competitors offer solid plans, few cater specifically to the military community.
Customer Reviews & Testimonials
Many policyholders praise USAA pet insurance for its reliability, cost-effectiveness, and customer service.
“As a military family that moves every few years, Embrace through USAA has been a lifesaver. Our dog received surgery after an injury, and they reimbursed us quickly.” – Michelle L., Georgia
“The 25% discount made a huge difference in our premium. We’ve covered everything from ear infections to wellness exams.” – Jordan M., Virginia
The customer satisfaction ratings for USAA pet insurance remain high, particularly because of the Embrace partnership’s solid performance.
Who Is Eligible for USAA Pet Insurance?
To access USAA pet insurance, you must be a USAA member. Eligible individuals include:
- Active duty military personnel
- Veterans and retirees
- National Guard and Reserve members
- Eligible family members (spouses and children)
You can apply for USAA membership through USAA’s website.
Pros and Cons of USAA Pet Insurance
Pros
- High member discount (up to 25%)
- Customizable policies
- Comprehensive accident and illness coverage
- Optional preventive care reimbursement
- Strong customer satisfaction ratings
Cons
- Not available to non-members
- No direct payment to vets
- Pre-existing conditions not covered
How to Get Started with USAA Pet Insurance
Getting USAA pet insurance is simple:
- Visit the USAA Pet Insurance Page.
- Get a free quote tailored to your pet’s age, breed, and your ZIP code.
- Choose your deductible, annual limit, and reimbursement percentage.
- Enroll and start coverage after the waiting periods.
Conclusion: Is USAA Pet Insurance Worth It?
If you’re part of the military community and looking for trustworthy, affordable, and comprehensive coverage, USAA pet insurance is an exceptional choice. Thanks to its partnership with Embrace, it offers robust protections, flexible options, and generous discounts—all backed by two reputable organizations. Whether you’re stationed stateside or preparing for a move, your pet’s health doesn’t have to be a question mark.
Frequently Asked Questions (FAQs)
1. Does USAA pet insurance cover dental?
Yes, dental illness and injury (such as fractured teeth or gum disease) are covered under the illness plan. Preventive dental cleanings are included only if you purchase the Wellness Rewards add-on.
2. Can I use USAA pet insurance at any vet?
Absolutely. USAA pet insurance lets you visit any licensed veterinarian in the U.S. There’s no network restriction.
3. How do I cancel USAA pet insurance?
You can cancel anytime by contacting Embrace customer service via phone or email. There are no cancellation penalties, and unused premiums may be refunded.
