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Pet insurance usaa cost

pet insurance usaa cost

USAA offers replacement cost coverage, which means that if one of the covered coverage to protect yourself from liability claims related to your pet. This liability also helps cover costs if your dog causes damage to another person's property. For example, your friend is dog sitting while you'. While there is cost involved with pet insurance, If you are a USAA member you can receive a 15% discount on pet insurance and if you are.

Pet insurance usaa cost -

USAA Pet Insurance Review 2021

Let’s See Some Details About This Provider

Exam Period

Our Rating 4/5

Upon registration, you get offered a free medical history review in which you can submit the past 12 months of your pet's veterinary records for evaluation.

Before coverage begins, you must visit the veterinarian to check if there are any pre=existing conditions that need to be excluded from the coverage.

Pre-existing Conditions

Our Rating 4/5

USAA covers pre-existing conditions if they have been cured and asymptomatic for at least 12 months.

The pet insurance is pretty flexible when it comes to pre-existing conditions. If a condition has been asymptomatic and cured for at least 12 months, it isn’t considered as pre-existing, and you can enroll your pet in a plan.

Customer Service

Our Rating 5/5

If you have any questions about your policy, 24/7 support is available.

If you need customer support, you will need to get in touch with Embrace. Embrace is available by email and phone six days a week. You will also get access to a 24/7 hotline if you have any pet emergencies or general questions about the health of your pet.

Waiting Periods

Our Rating 3/5

There’s a waiting period of between two to 14 days for accidents and a 14-day waiting period for health issues in cats & dogs.

In most states, there is a two-day waiting period for injuries. Any accidents that occur after enrolling your pet can be quickly covered. When it comes to the waiting period for illnesses, it is 14 days. This is pretty standard for pet insurance. However, for orthopedic conditions to be eligible for reimbursement, there is a longer waiting period – six months.


Our Rating 4/5

You can choose between 70%, 80%, and 90% reimbursement amounts.

There are five levels of reimbursement you can choose from, the options being 70%, 80%, or 90% reimbursement.


Our Rating 3/5

Deductibles are available in $100 increments from $100 to $1,000.

You can customize your deductibles, starting from $200 to $1,000. The annual limit ranges from $5,000 to $30,000.


Our Rating 4/5

The plans cover cancer treatment, chronic conditions, diagnostic testing and imaging, emergency room and specialist care, surgery, hospitalization and nursing care, alternative therapies and rehabilitation, prescription drugs and behavioral therapy.

The insurance plan covers breed-specific conditions, cancer treatment, chronic conditions, emergency room and specialist care, surgery, hospitalization and nursing care, alternative therapies and rehabilitation, congenital conditions, prescription drugs, diagnostic testing and imaging, and behavioral therapy.


Our Rating 3.5/5

Monthly rates start as low as about $8 per month for cats and about $13 for dogs.

Generally speaking, the pricing is really affordable. Monthly rates for dogs start at $13, while monthly rates for cats start at $8. Also, the wellness coverage is offered at a flat rate, regardless if you are insuring a cat or a dog, and regardless of their breed or age.

What Do We Think About USAA?

What We Think About the Waiting Periods?

The waiting period for accidents is two days, while the waiting period for illnesses is standard for pet insurance. The waiting period for illnesses is 14 days. For any orthopedic conditions to be eligible for coverage, you will have to wait six months.

Do They Have Good Plans?

The core insurance plan for your pet offered by USAA is an accident and illness plan. The plans cover the most crucial veterinary services that are needed to help treat injuries and illnesses. A wellness rewards plan is also available if you want to add coverage for preventive care. This wellness rewards plan offers reimbursement for vaccinations, checkups, and other services that aren’t considered routine services.

Do They Have Good and Wide Coverage?

USAA pet insurance doesn’t cover pre-existing conditions, injury caused purposely by the pet owner or any other person or pet living in the home of the pet owner, injury or illness caused by neglect, cruelty, racing, or fighting, breeding, pregnancy, and whelping, DNA testing, or cloning, stem cell therapy that is not medically necessary, and cosmetic procedures like dewclaw removal, ear cropping, and tail docking, unless they are medically necessary.

Are They Worth the Cost?

The cost of the pet insurance varies depending on the type of coverage, the deductible, breed, and animal you are ensuring. The accident-only policies are less expensive than the plans for accident and illness. There are also many discounts that are offered by the USAA that can lower the price of the insurance.

Do They Have Good Customer Support Service?

If pet owners need any assistance related to policy management or claims, they get in touch with Embrace. Keep in mind that Embrace usually takes from 10 to 15 days to process claims, which can be considered a long time.


USAA Insurance

Waiting Periods








Customer service


Average score



Our Final Thoughts: Is USAA Worth It?

USAA offers very good coverage with lots of discounted prices. However, keep in mind that you or a family member have to be a former or current member of the armed forces. However, if you don’t qualify for insurance at the USAA, you will need to look for pet insurance somewhere else.

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Why you should trust us

I’m Wirecutter’s pets writer, and I’ve covered complex topics that require months of research, including for our guides to dog DNA tests and pet subscription boxes. For this guide, I researched more than 20 pet insurance companies and compared their coverage, benefits, and premiums. I also considered their ratings from Canine Journal,, Consumer Affairs, and Pet Insurance Review, among other sites. And I studied everything on pet insurance from the North American Pet Health Insurance Association.

This guide builds on the extensive work of our original pet insurance guide, which was written by senior editor Mark Smirniotis. He dug into every aspect of pet insurance, analyzing the pros and cons in detail. He also spoke with seven executives at various insurers to fill in any research gaps as he compared more than 100 different quotes from nine major pet insurance companies.

Who should get pet insurance (and who shouldn’t)

A black cat sitting on a windowsill next to a house plant.

If your pet is relatively healthy and you can afford the premiums, and you wouldn’t be able to afford tens of thousands of dollars in veterinary bills, you should get pet insurance. Good coverage saves you from having to pay huge out-of-pocket expenses—and it also means you won’t have to make the heartbreaking choice of saying goodbye to your pet because you can’t afford their care.

“Relatively healthy” is important. You can and should get insurance even if your pet has had a few minor vet visits or has a chronic but manageable condition. If your pet is older and has already had serious health problems—cancer, surgeries, loss of mobility, and the like—you may not get much value from starting a new insurance plan since preexisting conditions aren’t covered; you’ll be covered only for issues that appear after your pet is enrolled in a particular plan. And if you decide to swap from one insurance brand to another, anything predating the move will again be “preexisting,” even if it was covered by your first insurer. But an insurance plan is still worth considering, depending on your pet’s condition and the likelihood of future diagnoses. Ask your vet to help you figure out the risks of certain diseases (and whether they would necessitate expensive care) based on your pet’s age, breed, and medical history.

You may be tempted to try and self-insure—setting aside money every month for medical bills. But remember that if your pet is uninsured, a single emergency vet visit could wipe out years of personal savings. Saving money is prudent for the predictable expenses in life, but you pay for insurance because so much of life is unpredictable. During the first year of self-insuring, you might save enough to cover a $1,200 vet bill, while your first insurance premium payment will cover most vet bills going forward, depending on the policy. Plus, care costs and the likelihood of illness will increase as your pet ages, likely outpacing your ability to save. It’s not hard to find stories of costs that could wipe out the savings most people can accumulate: Radiation for some tumors can be up to $10,000, kidney transplants can cost up to $15,000, and bone-marrow transplants can be upwards of $20,000. If you never have to make a claim, your premiums weren’t wasted—they were the cost of predictability, and of sleeping easier with a pet at your feet. But if you make a comfortable living and can afford to be hit with a big bill, you may prefer to pocket the cost of premiums, since insuring a pet over their lifetime can cost twice as much as a single radiation treatment, as outlined in When you should get pet insurance. Still, a pet’s illness may become a chronic concern, and without an insurance plan, you could be saddled with thousands of dollars in vet bills for recurring treatments.

What is (and isn’t) covered by pet insurance

A close-up of the face of a dog that is wearing a cone collar and sitting on a blanket next to a cat.

Unlike health insurance for humans, pet insurance doesn’t cover preventative care, such as routine exams, dental work, or vaccinations. Buying pet insurance makes sense only for the things you can’t predict, like ear infections, broken bones, and chronic illnesses.

For wellness care, including annual checkups and booster shots, you’re better served by setting aside money each month, rather than going for a more-expansive insurance policy that may cover those things. Some companies do offer wellness benefits, but the higher costs of those plans can offset any savings. And if you miss a checkup, you forfeit the services you’ve already paid for (and could even void your policy for breach of contract).

Insurance plans also exclude preexisting conditions, as well as treatment for animals suffering from abuse or neglect, including for preventable diseases if an owner skipped the vaccine for that disease. So if your dog gets Bordetella (kennel cough), and you didn’t keep the Bordetella shot up to date, insurers won’t cover the cost of treatment. If you really dig into the fine print, you’ll find a range of other (often outrageous) exclusions, such as the effects of war, radiation from nuclear weapons, biological attacks, mutant flu, and zombie outbreak. (We’re not joking, those are all real exclusions we found.)

A close-up of the head of a black and brown dog.

When you should get pet insurance

The younger your pet is when you enroll them, the more valuable insurance will be—but that doesn’t mean you shouldn’t enroll an older animal or one with hereditary conditions. Even though wellness visits—the most common costs for young pets—aren’t covered by most insurance plans, the lower premiums at younger ages likely make starting early worthwhile. It’s also good to establish a policy as soon as possible, since establishing new coverage is often far more expensive than continuing an existing plan. Although we no longer can offer picks in this guide, representatives from our former pick Trupanion told us that since 2012, premiums had increased roughly 6% per year across all of the pets the company covers. And they said the company expects rates to climb 5% to 6% per policy year going forward. However, in 2017, our fictitious cat cost an average of $52 per month to insure. In 2021, establishing coverage for a new pet cost $143 a month—a 275% increase. Such a jump is a reminder that insuring your pet sooner rather than later will save you money.

An example of lifetime premium costs

Age at enrollmentLifetime cost to age 18Years of coverageProjected annual cost
6 months$19,54717.5$1,117
3 years$25,36715$1,691
9 years$26,8899$1,793
12 years$26,6576$1,777

Estimates are based on an entact, male domestic shorthair cat dwelling in zip code 90210, living until age 18, with a $250 deductible and a 6% increase every year, with premiums quoted on (August 2021).

There’s little regulation in the industry, so the projections above are based on what one insurance provider shared with us while we were working on this guide. Few other companies were willing to give us exact numbers, citing either “single-digit” increases or expected increases higher than that of Trupanion.

Although we think you should enroll your pet early to get the most out of insurance, that doesn’t mean you shouldn’t insure an older pet or one with a hereditary condition. By our estimates (as outlined in the previous chart), it costs more than $26,000 in premiums to insure a cat between the ages of 12 and 18. You’d save over $7,000 by insuring them from 6 months of age until they’re 18. That’s not cheap, but it is more cost-effective than paying out of pocket for a senior pet’s diagnosis and treatment of cancer or a hereditary condition.

CompanyAre hereditary conditions covered?
AKCOnly with Hereditary and Congenital Coverage add-on
Healthy PawsYes, with a 12-month waiting period for hip dysplasia and the pet must be under 6 years old at enrollment
NationwideOnly on the Whole Pet with Wellness Plan
Pets BestYes, with the BestBenefit Accident and Illness Plan

Most plans cover congenital and hereditary conditions, as long as your pet isn’t symptomatic or diagnosed before you begin coverage (June 2021).

Although pets who have preexisting conditions (such as a cancer diagnosis prior to coverage) won’t be covered by insurance, it’s still worthwhile to insure them for other conditions—in case something else pops up later in life. For the most part, these conditions in older pets will be reimbursed just like other claims, as long as a vet hasn’t documented that the conditions are suspected, symptomatic, or preexisting before you enroll.

How to find the right insurance for your pet (and fine print to watch out for)

A chihuahua that is completely wrapped up in a white sheet except for its face.

To find the right insurance plan, you need to know your pet’s medical history and your budget. Then, prior to getting quotes, make a list of what matters most to you—such as the types of accidents and illnesses you want to have covered and the percentage of costs you’re able to pay. Obtain quotes from a few reputable providers, and compare the types of coverage to get an overview of the options in your budget. Previously, we recommended Trupanion, Healthy Paws Pet Insurance, and Figo Pet Insurance to our readers, and we still think those are good insurance providers to consider. However, their prices and coverage varied wildly depending on your location and the specifics of your pets, so we couldn’t recommend them for most people.

Pet insurance plans have so many variables and so much fine print that it can seem impossible to compare one company against another. Each company has slight differences in the three main aspects of its policies: coverage, benefits, and premiums. Read over the policies carefully to ensure they reimburse for the type of coverage you’re looking for—like accidents, illnesses, exam fees, medications, and more—and don’t be afraid to ask questions. Customer service can make or break your experience when filing a claim.

Before you consider a policy plan, here are some insurance terms every pet owner should know:

  • Policy: This is the entirety of your pet health insurance plan; it details the coverage, benefits, premiums, deductibles, coinsurance, and so forth.
  • Coverage: This is what the policy will reimburse you for—namely unforeseen vet fees and related expenses. The most common type of pet health insurance is accident and illness coverage. This can include labs, treatments, medications, and fees, or it can be limited to just certain procedures. And that coverage can be limited further, excluding certain conditions, as well. Perfect coverage would include any condition and any treatment. Speciality coverage may include a pet sitter if the policyholder (you) are hospitalized; advertising for (and paying) a lost-pet reward; a pet’s acupuncture and hydrotherapy; or emergency vet treatment while traveling overseas. Typically, wellness coverage (such as routine vet visits, flea medication, and vaccinations) isn’t covered under health insurance plans.
  • Covered conditions and exclusions: The best plans cover the most conditions and don’t exclude common ailments. We recommend avoiding plans that have a labyrinth of exclusions, such as those that exclude hereditary or congenital conditions common in some breeds, including hip dysplasia in German shepherds. In some cases, long waiting periods are as bad as blanket exclusions. Once your pet is enrolled, coverage for different conditions won’t kick in until a waiting period ends. Generally, the waiting period for injuries is only a week or two, but some companies exclude certain major conditions for six or even 12 months. Any claims during that waiting period will be treated like preexisting conditions, and related claims will be denied for the life of your pet. Similarly, some insurance companies exclude coverage for removing ingested objects for pets who have a documented history of ingesting objects in the year before you sign up for coverage.
  • Accident and illness coverage: This is comprehensive coverage for vet treatment, diagnostic testing, medications, and surgeries for a new injury, sickness, or disease your pet is diagnosed with while insured.
  • Accident-only coverage: This coverage applies only to injuries from accidents, such as a broken bone.
  • Benefits: When we talk about benefits, we’re discussing the dollar amount a company will pay you for a covered incident or during a given time period, compared with how much you’ve paid for coverage. Good benefits pay as much as possible for a covered incident and may have per-incident, annual, or lifetime limits for accident or illness claims. The term is sometimes used interchangeably with “coverage,” as in: This policy also offers wellness benefits.
  • Premiums: This is how much you pay every month for the combination of coverage and benefits you receive. Generally, the better the coverage and benefits, the higher the premium.
  • Deductible: This is the amount you’re responsible for paying before a claim will be reimbursed by the insurance company. Depending on the plan, the deductible resets annually or applies to individual conditions over the life of your pet. (For example, if your pet is diagnosed with cancer, some plans will charge you only a single deductible for related treatment over your pet’s lifetime, while other plans charge the deductible every year.)
  • Coinsurance: This is the percentage of your bill that you are required to pay, excluding the deductible. If your policy coinsurance is 10%, that means the insurance company will reimburse up to 90% of the vet bill, minus the deductible and any other excluded expenses. (Some companies list coinsurance amounts as the percentage amount that they will reimburse, as opposed to what you’re responsible for. So read the quote carefully.)
  • Waiting period: This refers to the medical-exclusion period from the start of the policy, and it can last anywhere from two to 30 days for accidents or illnesses. You will be reimbursed only for medical expenses that occur after the waiting period, and conditions diagnosed during the waiting period are excluded from coverage.

While you’re looking at quotes, here are some things to keep in mind:

Policy value: We seriously advise that you consider only those policies that have unlimited annual benefits, flexible deductibles, and reimbursement rates of 70% or more. When you request a quote online, you can adjust the benefits limits, deductibles, and reimbursement rates to your liking. Although unlimited annual and lifetime benefits drive up premium prices, they’re the only options that will ensure you’re never faced with the decision to put down a pet because you can’t afford treatment—one of the main reasons to get pet insurance in the first place. Policies with annual limits of around $15,000 are more than sufficient for the most common problems (a cat eating a toxic plant costs $1,800, for instance, while a torn ACL costs $3,300), but they won’t always do the trick if catastrophe strikes.

CompanyAre vet exam fees for illness covered?
AKCYes, with ExamPlus add-on
FigoYes, with optional exam fee coverage
Healthy PawsNo
Pets BestYes for most accident and illness plans

In most areas, exam fees are generally $50 to $75. Though some companies cover illness exams, that alone isn’t a deciding factor. In one case, AKC CompanionPlus, which covers illnesses, charged $120 more per year for the ExamPlus illness exam coverage. (This information is accurate as of June 2021.)

A small dog with fluffy white fur sitting in a grassy field.

Covered costs: Just like health insurance for people, pet health insurance often has coverage restrictions. More than half of the insurers we researched offered multiple plans, with the cheaper options generally limiting coverage for some illnesses or treatments. In many cases, treatments and procedures are covered, but the exam fee for bringing your sick or injured animal to the vet is not. Even though exam fees rarely break the bank (they were around $50 in 2009), you’re charged one every time you walk in the vet’s door. Because most people are better off paying a $50 to $75 exam fee once or twice a year, rather than an extra $20 or more every month in premiums, we don’t consider this to be a dealbreaker.

Reviews, ratings, and expectations for a lifetime: No one knows for sure how each company’s policies might change over the life of your pet, but you can gather the information needed to set a realistic expectation. To get an idea of the customer service and claim management at each company, use a combination of online reviews from pet owners on different review sites (we like Consumer Affairs and Pet Insurance Review), messages in pet forums (including the comments section in this guide), and feedback from people you know.

How to choose a deductible

Before an insurance company pays a dime, it expects you to pay the deductible out of your own pocket. Most pet insurance companies allow you to choose a deductible that’s somewhere between $0 and $1,000—and a higher deductible means lower annual premiums.

A higher deductible can save you more on annual premiums

chart comparing total costs for pet insurance

It’s tempting to go for that $0 deductible so the insurance company will be on the hook for every bill, but doing so will send your monthly premiums sky-high. Keep in mind that it’s best to think of pet insurance as a tool to avoid astronomical bills or to let you choose expensive treatments. If you have a choice, it’s a good move to pay lower monthly premiums by setting the deductible as high as you can—as long as you can afford the one-time payment and your coinsurance amount without causing yourself financial hardship.

We think a $500 to $1,000 deductible and a 90% reimbursement rate is a good starting point for most people. Since most plans reimburse for between 70% and 90% of post-deductible costs, you need to have money available to pay the rest. If you choose a $250 deductible, you should have more than $250 on hand—or at least be able to scrape it together in a pinch—for veterinary care. If you could reasonably afford a $1,000 deductible, choose that to make your monthly rate lower.

About your guides

Kaitlyn Wells

Kaitlyn Wells is a staff writer covering all things pets and style. She has never met a pet she didn’t like, although she can’t say the same thing about shoes. Her first picture book, A Family Looks Like Love, follows a pup who learns that love, rather than how you look, is what makes a family.

Mark Smirniotis

Mark Smirniotis is the senior editor for Wirecutter’s PC, networking, and mobile coverage. Knowing better than to fall prey to the sunk-cost fallacy, he set aside his econ degree in 2015 to review tech for Wirecutter, work that has included projects such as using wacky waving inflatable arm-flailing tube men for generator run-time tests.


Our Final Verdict

We give USAA Pet Insurance a rating of 4.7 out of 5 stars.


Policy Coverage: 4.5/5

Customer Service & Reputation: 4.8/5

Claim Repayment: 4/5

Price of Policy: 4.7/5

Plan Customization: 4.7/5

Review Summary

USAA homepage

USAA Pet Insurance is reserved for existing USAA members, but if you are eligible to get a pet insurance account, you can enjoy access to multiple discounts and offers. USAA insurance is cost-effective and offers a decent range of policies, with some customization available. The pet insurance itself comes from Embrace Pet Insurance, a highly regarded pet insurance company.

Coverage is available for dogs of all ages, but new policies for dogs over 14 years old are accident-only. Coverage protects against genetic and breed-specific conditions, as well as cancer and chronic conditions, and it covers alternative therapies.

The policy will appeal to USAA policyholders for the broad range of discounts and savings that are on offer. You can get as much as a 25% total discount on your policy, and the general costs are already quite reasonable.

The biggest drawback of USAA policies is that it does not offer unlimited coverage. That said, its annual limit is $30,000, which is high, and it is incredibly rare for any pet to reach that amount. If you can live with this and you are a USAA customer, then there are plenty of reasons to choose one of these policies.

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USAA Pet Insurance — A Quick Look


  • Good range of policies
  • Generous discounts for USAA customers
  • Use any vet


  • No unlimited coverage
  • Claims take a while
  • Must be a USAA member to benefit

USAA app

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Important Features

Embrace Pet Insurance

USAA policies are provided by Embrace Pet Insurance, which is a well-respected and recognized insurance company. However, because USAA acts as a third party, it does mean that some administrative processes can take longer than going direct, but going direct means that you miss out on the extensive benefits offered to USAA members.

USAA Membership

The USAA aims to provide better deals to active and former members of the military. In this case, you can get up to a 15% discount on Embrace Pet Insurance policies, administered via the USAA, and total discounts, including multi-pet concessions, of as much as 25% off. These discounts are generous, and while Embrace prices are considered higher than most, they are difficult to beat when they include a quarter off.

Healthy Pet Deductible

The deductible is the amount that you have to pay toward treatment before your insurance policy kicks in and the insurance company starts to pay the rest. Although your annual deductible with USAA starts at $300 per annum, it is reduced by $50 every year that you do not have to make a claim. This healthy pet deductible is the best in the industry, and it will keep being applied until your deductible reaches $0.

No Unlimited Coverage

There are several benefits to USAA pet insurance policies, but the biggest drawback is the fact that there is no unlimited annual coverage. Annual coverage is the maximum amount that a policy will cover in a year. If treatment and other costs go above this total, you will have to pay the remainder out of your own pocket. Unlimited policies mean that no matter how high the costs get, you are covered. USAA does not offer unlimited policies, although it has increased its annual maximum to a generous $30,000.

What Does USAA Pet Insurance Cover?

USAA_routine care


  • Examinations
  • Initial and ongoing procedures
  • Medication
  • Genetic conditions
  • Breed-specific conditions
  • Dental
  • Specialist treatment
  • Boarding

Not Covered

  • Pre-existing conditions
  • Cosmetic procedures
  • Breeding and whelping
  • DNA testing and cloning

Customer Service

Because insurance policies are provided by Embrace, customers need to contact Embrace directly regarding policy administration and to make any claims. The company is available 6 days a week by phone and email, and it has a new phone service that provides advice and support on pet health issues. This service is available 24/7 and is becoming increasingly common with pet insurance providers.

Pre-existing Conditions

No pet insurance company offers protection for pre-existing conditions, and this is true of USAA insurance too. It is also worth noting that if your pet suffers a condition on one side and they are likely to suffer the same condition on the other, then this condition will not be covered in either case.

However, while some pet insurance companies have a blanket exclusion for pre-existing conditions, USAA is not as restrictive. It does not cover incurable pre-existing complaints, but if your pet suffered a curable condition and was cured more than 12 months before suffering the condition again, it may be covered by your policy.

Waiting Periods

The waiting period of a policy is how long after you take out the policy before you can make a particular type of claim. USAA policies have a 14-day waiting period for illnesses and a 2-day waiting period for accidents.

USAA_get a quote

It also has a 6-month waiting period for orthopedic claims, although this can be reduced to 14 days with an appropriate orthopedic report card.

This report card essentially assesses the orthopedic condition of your dog before the commencement of the insurance policy. If your dog is clear, it means that the insurance company can protect this type of condition from day 1.

Pricing Quotes

RetrieverMixed Breed Cat
Male or FemaleMaleMale
Age2 Years2 Years
LocationIowa (50125)Ohio (44108)
Reimbursement Level80%80%
Annual Deductible$200$200
Annual Maximum$10,000$10,000
Price Per Month$41.00$19.37

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What Is the Age Limit for Pets?

USAA will insure pets of any age, but new policies for cats and dogs aged over 14 are only available as accident-only policies. This means that you cannot insure a 15-year-old and protect against illnesses that they might develop. Some insurers do offer this type of coverage for new policyholders, but it is rare.

Does USAA Offer Accident-Only Policies?

An accident-only policy is cheaper than a policy to cover accident and illness, but it doesn’t cover as many instances that would require you to pay for vet and emergency treatment. USAA, through Embrace Pet Insurance, does offer accident-only policies.


Does It Cover Examination Fees?

Some insurers do not include examination fees in their coverage, even though all accidents and illnesses will require an examination. USAA does include examination fees in its coverage.

Does It Offer Routine Care Coverage?

Routine care coverage, also referred to as wellness coverage, is not usually included as part of a standard policy, but with USAA, you can pay for a Wellness Rewards package. With this package, you pay a monthly fee and receive money from treatments, like flea and tick treatments.

What the Users Say

USAA is considered a good =0quality pet insurer because it offers access to Embrace Pet Insurance at greatly reduced rates. However, its lack of unlimited coverage and the long claim-processing periods are highlighted as potential downfalls with this insurer.

Investopedia said, Military members probably won’t find better pricing than what the USAA offers,” but The Balance points out that “non-military families will want to look for a different policy.”

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Our Verdict

USAA offers competitive prices for current and former military members, and the policies are underwritten and maintained by Embrace Pet Insurance. While they aren’t perfect, these policies are of good quality and offer decent coverage, and the competitive discounted pricing certainly helps. However, USAA coverage is only available to military members, so you will have to look elsewhere for insurance if you are not a current or former military member.

Related Reads:



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

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.


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.


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.


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.


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Usaa comprehensive health insurance cost

usaa comprehensive health insurance cost What Costs Does Medicare Supplement Plan G from USAA Life Cover? Medigap Plan G is nearly the same as a Plan F policy. Find a. Company. Usaa Health Insurance Review Affordable Health Insurance Health Insurance Health Insurance Companies . You and your friends. All of the above makes USAA among the cheapest car insurance companies, and possibly THE cheapest car insurance company, among all car insurance companies . USAA health insurance for 2020 is a choice that anyone should consider when they need different coverage or coverage for the first time. Ad Reliable And Easy Access To Quality Healthcare Around The World. health Insurance. Jul 24, 2020 · USAA additionally offers medical coverage designs that are guaranteed by Anthem, Cigna, and Golden Rule usaa health insurance Companies. 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The carrier offers homeowners insurance, auto insurance, flood insurance, and more. USAA offers bundles with its other insurance options and financial programs that can decrease your cost. Over 35 percent of people currently receiving long term care services are between 18 and 64. USAA Insurance is known for its service to the military community and their families. Read the reviews, then decide […] Jul 27, 2021 · USAA carries three tiers of health insurance: a comprehensive plan provides broad health cover over a long period of time, a short plan bridges the gap between comprehensive plans if you’ve lost coverage and fixed health benefit can supplement a more comprehensive plan. And it’s not only seniors that need long term care. Average premiums range from $13-$50. USAA also offers Medicare Advantage Nov 29, 2021 · USAA Insurance is known for its service to the military community and their families. USAAs short-term plans do not cover preventive care or pre-existing conditions. Ready to share new things that are useful. However, the exact amount your insurance will increase depends on several factors, including what state you live in, the age of the teen being Sep 09, 2021 · Vehicle storage discount: Get a discount of up to 60% when you get car insurance for a car in storage. . Oct 02, 2021 · Health insurance health insurance best health insurance companies health insurance basics health insurance advisor open enrollment mobile app 10. 0 out of 5. Find out what USAA insurance reviews from customers have to say about the company. This comes in just below the U. USAA gap insurance cost is $269 flat fee and is solely sold for vehicles that are up to 7 years old and loan amount of up to $5,000. Like with whole life insurance, your cash value grows over time. Oct 10, 2020 · USAA is a good insurance company that is rated 3. Jul 08, 2021 · Complicated life insurance policy costs USAA $ 90 million settlement. Jul 12, 2021 · USAA takes the No. The USAA Take Care of Your Health program is a comprehensive, multi-discipline, and integrated health & productivity management program. It offers plans to residents in all 50 states and the Aug 24, 2021 · USAA pet insurance costs vary depending on the policy. com Oct 21, 2021 · USAA auto insurance reviews are overwhelmingly positive and in our research into the best car insurance on the market, USAA was the only insurance company that we rated 5. These rates are for 12 months of coverage. Cheapest home insurance providers by average rate. Aug 25, 2021 · Usaa medicare insurance plans usaa is a leading provider of benefit plans that help insure you against those unmet costs associated with your medicare benefits. Whether you’re active or former military, an eligible family member, a cadet or midshipman, USAA is available to serve you in all 50 states and the District of Columbia. As life changes, so should your health insurance. 89 a month for a 20-year best-class policy. Overall, great health care benefits provided by the company. 0 stars. Customer support is available Monday through Friday from 8:30 am to 8:00 pm and on Saturday from 9:00 am to 1:00 pm ET. Get the information you need to help you feel confident in the coverage you choose. Nationally, the average cost for 3 years of long term care is $306,600 ($102,200 per year) at 2019 rates. M. Employees have options to choose from. Whether you're active or former military, an eligible family member, a cadet or Usaa Health Insurance Cost By amount Of Agents This ratings guide listing recipe evaluates the insurer by the sheer amount of insurance agents & brokers currently licensed and under contract. We rated USAA 5. In contrast, USAA offers more traditional plans to its members. USAA health insurance is designed for military personnel and their eligible family members. It is not outcome that the real about Health Insurance Cost. This makes USAA the second-cheapest home insurance company in the country. 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 only difference is that Plan G makes you pay the Medicare Part B deductible out-of-pocket. USAA is a leading provider of benefit plans that help insure you against those unmet costs associated with your Medicare benefits. Oct 08, 2021 · Costs are similar to whole life insurance, starting at $73. Embrace is in charge of administering the USAA’s pet insurance plans. Plan. Nov 18, 2020 · Founded in 1922, USAA insurance company provides many coverage solutions for military members and their families. 2 spot in our Best Homeowners Insurance Companies of 2021 ratings. USAA Pet Insurance has excellent customer support. Oct 07, 2010 · USAA Medicare Insurance Plans. call us at 855-386-2350. The leave policies are also good as well. Vision and dental Our USAA auto insurance review covers customer service, cost, coverage and more. Nov 29, 2021 · USAA Insurance is known for its service to the military community and their families. The average annual cost for minimum coverage is $384 and $1,225 for full coverage. 3/5 by WalletHub’s editors, based on customer reviews, insurance quotes, and ratings from third party organizations. But the growth potential is influenced by your allocation of premiums. average home insurance rate of $1,735. Military installation discount: Save up to 15% on comprehensive coverage when you garage your vehicle on base. Accident-only policies cost less than more comprehensive coverage that reimburses pet owners for both accidents and injuries. Nov 09, 2021 · USAA also offers Collision Insurance, Comprehensive Coverage Insurance, Towing & Labor Costs, Rental Car Reimbursement, and Emergency Road Service. USAA reviews from consumers often praise the company's low prices, but there are reports of poor customer service and a slow claims process, too. It has been in business for more than 90 years, helping customers find the solutions that help them meet their health care needs. The age of your pet, whether your pet is a cat or dog, and your pet’s breed can also affect premium prices. USAA has been highly rated by A. These plans include comprehensive, short term, and fixed health benefit plans. agreed to pay $ 90 million in a class action settlement alleging that some policyholders were routinely overcharged. What I said. The average cost of USAA's commercial insurance policies ranges from $22 to over $129 per month, and is mainly based on your business's: Industry, Location, Gross Sales, Employees and/or Payroll, Policy Limits, Endorsements, Deductibles, Experience & Claims History. Nov 11, 2021 · Our Take On USAA Auto Insurance: 5. See full list on bestcompany. 80 per month for both of us (we didn’t have our baby back then!). How much is USAA health insurance a month? Cost: Our cost for this plan was just $193. Family discount: Continue the USAA auto insurance tradition that your parents started and you could save up to 10% on your own policy. C. Health insurance solutions provided through usaa life general agency inc. Nov 10, 2021 · Per its name plans in this category offer comprehensive health insurance. Our review explores the carrier's history and size and some pros and cons. Nov 12, 2021 · The average rate for a USAA home insurance policy is $1,728 a year, or $144 a month. You read this article for information about an individual need to know is Health Insurance Cost . Users can call USAA customer support on 1-210-531-USAA, send emails, or connect via Twitter at @USAA_Help. Best and the BBB. Other plans, like its Medicare Part A, Part B, and plan for retirees, may have some costs for enrollees. Anyone who owns or has owned a particular type of USAA life insurance policy in recent years could receive $ 50 – or even more. Vision and dental Nov 29, 2021 · USAA Insurance is known for its service to the military community and their families. Usaa offers three kinds of health plans. That cost of care is projected to be $553,755 ($184,585 per year) in 2039. USAA insurance review 2021. Jun 10, 2021 · USAA Pet Insurance cost is competitive with the other top pet insurance providers. 0 stars and named it the Best for Military in 2021. S. However usaa does offer medicare advantage plans. 2. Aug 24, 2021 · USAA pet insurance costs vary depending on the policy. Its comprehensive car insurance coverage, nationwide availability Many of TRICARE’s plans come at no cost to its members. USAA Life Insurance Co. Or to talk about our additional options, call us at 855-386-2350. Lower your out-of-pocket Medicare costs with Aetna. Oct 16, 2021 · Below is a chart that shows average premiums for USAA based on policies with minimal and full coverage written in all 50 states and Washington D. 0 Stars. Our USAA auto insurance review covers customer service, cost, coverage and more. Health Insurance Cost! Again, for I know. USAA typically charges less than the average auto insurance company to add a teenage driver to a parent’s car insurance policy. Bodily Injury Protection – If you or a family member is injured in an accident, this part of your policy will pay medical expenses and lost wages. You can also drill down into the various USAA health insurance plans to understand their coverage & cost. These plans include customary medical coverage plans, momentary plans, fixed advantage plans, Medicare Advantage, Part D, and Medigap (Medicare Supplement) protection. This page is designed to provide all the resources you need to understand USAA health insurance, including your eligibility. usaa comprehensive health insurance cost


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