USAA Pet Insurance Review

What’s New in 2021 For USAA Pet Insurance?

How Has Covid-19 Affected USAA Pet Insurance?

USAA released information regarding the Covid-19 pandemic for their members, but it did not overtly affect the pet insurance rates they offer. However, the company is offering financial assistance to people affected by the pandemic.

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New Products or Changes

USAA displays solid benefits for their pet-owning members. In 2021, there are no outstanding products or major overhauls to their rates or coverage.

USAA Pet Insurance in the News

There is no notable news for the USAA pet insurance sector specifically. The company has increased its net worth overall past the $5 billion mark. While not specifically for pet insurance, an overall 14.5% growth for a company affects each branch positively.

2021 Latest USAA Pet Insurance Reviews

USAA is exclusively for military members and their pets. The positive side of this is that they work to have an expansive amount of options for their consumers to choose from. Also, they come highly rated:

• The Balance Review – The buzzword in this review is customizable. While many companies offer this, USAA excels at “discounted, customizable accident and illness insurance for dogs and cats through Embrace Pet Insurance.” Through Embrace, members can even use an app for ease of access.

Investopedia – Investopedia says, “Military members probably won’t find better pricing than what the USAA offers.” This makes sense considering the generous 25% discount offered to their members. On top of this, you are not bound to a network and are able to use any vet that has a license.

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.

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USAA Pet Insurance Highlights

• 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:

Coverage

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.

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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:

• Cruciate Ligament Issues
• Hip Dysplasia
• Patella Luxation
• Intervertebral Disease (IVDD)
• Allergies

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

Alternative Therapy

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.

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Reimbursements

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.

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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.

Read more: How To Cancel Pet Insurance

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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You may find helpful one of our other Best Pet Insurance Reviews which include over 35 top insurers compared with cheap and affordable pet insurance and discounted mixed breed pet insurance. 

• 24PetWatch
• AKC
• Allstate
• American Modern
• ASPCA
• Banfield Pet Hospital
• Bivvy
• Blue Cross Blue Shield
• CareCredit
• Embrace
• Esurance
• Farmers
• Figo
• Geico
• Hartville
• Healthy Paws
• Liberty Mutual
• Nationwide
• Pet Assure
• PetFirst
• Petplan
• Pets Plus Us
• Petco
• PetPartners
• PetPremium
• Petsecure
• Pets Best
• Pin Paws
• Progressive
• Prudent
• Trupanion
• USAA 
• VCA CareClub
• VIP Petcare
• VPI

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