Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

Full Bio →

Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Jun 10, 2021

Advertiser Disclosure

Pet Insurance U receives compensation from the third parties included on this site. This includes payment for clicks from our site to insurance providers’ sites and quote requests generated. Our rankings and reviews are not affected by payments from the insurance companies. The compensation we receive allows the site to be free and regularly updated. Our goal is to review every pet insurance provider, but not all companies are listed on the site.

And many of the companies we review do not pay us anything. We simply rate, compare and review their plan because we feel it will be valuable to you. Our reviews are guaranteed to be unbiased, professional and advertising compensation does not influence rankings.

We are a free online resource for anyone interested in learning more about pet insurance. Our goal is to be an objective, third-party resource for everything pet insurance related. We update our site regularly, and all content is reviewed by pet insurance experts.

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.

Enter your ZIP code below to view companies that have cheap pet insurance rates.

secured lock Secured with SHA-256 Encryption

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.

Need Pet Insurance?

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

Enter your ZIP code below to view companies that have cheap pet insurance rates.

secured lock Secured with SHA-256 Encryption

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.

Enter your ZIP code below to view companies that have cheap pet insurance rates.

secured lock Secured with SHA-256 Encryption

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 PetFirst Clients


PetFirst saved his parents


A happy energetic Luna one morning couldn’t hold her food down. After months of multiple costly vet visits to specialists and an endoscopy, the problem was discovered and fixed. Luna put 22 pounds back on in no time and her parents were grateful for having PetFirst by their side to pay the bills.

Enter your ZIP code below to view companies that have cheap pet insurance rates.

secured lock Secured with SHA-256 Encryption


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.

Enter your ZIP code below to view companies that have cheap pet insurance rates.

secured lock Secured with SHA-256 Encryption

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 PetFirst Clients


PetFirst saved his parents


Artemis was a beautiful and friendly cat to all who were willing to pet him. Unfortunately, he developed feline diabetes which required regular vet visits and medications that his Mother could not otherwise afford on her fixed income. Having PetFirst insurance, she called and discussed the problem with a friendly PetFirst agent. To her surprise, she found out that Artemis’ ongoing required vet visits and medication would be covered by his PetFirst insurance. Artemis was able to live out the rest of his life with proper medical care and medicines thanks to PetFirst insurance.

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.

Enter your ZIP code below to view companies that have cheap pet insurance rates.

secured lock Secured with SHA-256 Encryption

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!


Other articles you may find helpful: 

Is Exotic Pet Insurance Necessary? 

The Best Pet Insurance By State 

What Is Pet Insurance?

Fun Facts, Dog FAQ, And Unsolicited Dog Advice

5 Training Commands to Save Your Dog’s Life

The Ultimate Guide to Safe Foods for Dogs

Dog Health Problems

Dog Breeds


Cat Health Problems

Cat Breeds

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