USAA Pet Insurance coverage Assessment 2022


Coated RemedyAccident-Solely Accident and Sickness 
Digital vet go to
Examination charges ✓ ✓ 
Genetic situations  ✓ 
Orthopedic situations  ✓ 
Diagnostics/testing ✓ 
Surgical procedure ✓ ✓ 
Rehabilitation/different care ✓ ✓ 
Prescription remedy ✓ ✓ 
Prescription diets  ✓ 
Bloat, poisoning ✓ ✓ 
Behavioral issues  ✓ 
Non-routine dental  ✓ 

Out there Riders/Add-Ons

Along with your base coverage, you’ll be able to select so as to add preventative and wellness care by Embrace’s Wellness Rewards rider. This add-on consists of protection for:

  • Vaccinations and titers
  • Spay or neuter surgical procedure
  • Flea, tick, and heartworm remedy
  • Microchipping
  • Routine blood work
  • Grooming and coaching

Protection is obtainable as much as an annual allowance of your alternative: $250, $450, or $650.

Ready Intervals

Most pet insurance coverage insurance policies require a ready interval earlier than protection kicks in. All latest pet insurance coverage insurance policies by Embrace have a ready interval that begins the day the coverage turns into efficient; you gained’t obtain protection for the next occasions till their ready intervals are over. 

  • Accidents: 48 hours
  • Sicknesses: 14 days
  • Orthopedic situations: 6 months (an orthopedic examination and waiver course of can scale back this to 14 days)

Cancellation Coverage 

If you happen to decide to cancel your coverage inside 30 days of the beginning date, you’ll be able to obtain a full refund so long as you weren’t reimbursed for any claims throughout that point interval. Refund requests that happen after 30 days or inside 30 days of a fulfilled declare should qualify for a pro-rated refund.

To cancel your coverage, you’ll be able to name Embrace by cellphone at (800) 511-9172, or you’ll be able to electronic mail your request.

Plan Exclusions

The next points aren’t coated by Embrace’s insurance policies that USAA members can qualify for. 

  • Pre-existing situations
  • Breeding, whelping, and being pregnant
  • Harm brought about intentionally by any particular person or pet residing in the house
  • Harm or sickness ensuing from preventing, racing, cruelty, or neglect
  • Beauty procedures (e.g. tail docking, ear cropping, or dew claw removing) until medically crucial
  • DNA testing or cloning
  • Stem cell remedy not deemed medically crucial

Pre-Current Situations

Like just about all pet insurance coverage suppliers, Embrace doesn’t cowl pre-existing situations. It considers pre-existing situations to be:

  • Power situations you or your veterinarian observe previous to the top of the ready interval
  • Sicknesses or accidents that happen earlier than the top of the ready interval
  • Different situations you might have beforehand noticed however {that a} veterinarian didn’t diagnose

There may be a distinction made between curable pre-existing situations (corresponding to ear infections) and incurable pre-existing situations (like diabetes or allergy symptoms). If the difficulty is curable and the pet goes 12 months with out signs, they will obtain protection shifting ahead.

Plan Pricing

You’ll be able to obtain protection by USAA’s Embrace for as little as $1 a day. Your pet’s age, gender, breed, and the place you reside can all have an effect on your premium value. You’ll be able to get a quote on-line.

USAA members qualify for a 15% low cost off their pet insurance coverage coverage, and those that insure a number of pets or are present or former energetic responsibility navy can qualify for further financial savings, for a most low cost of 25%. 

You’ll be able to select your deductible and reimbursement quantity, which can even have an effect on the premium. Annual deductibles vary from $200 to $1,000, and the reimbursement choices are 70%, 80%, or 90%. If you happen to don’t file any claims in a 12 months, your annual deductible will drop by $50.

The annual protection restrict ranges from $5,000 to $30,000, however lifetime advantages are limitless.

Main reductions solely accessible to members of the navy and eligible relations: Whereas anybody should purchase pet insurance coverage immediately by Embrace, a few of the very best reductions are solely accessible to USAA members. Solely present and former navy members and their households are eligible for USAA membership. 


To file a declare, you’ll take the next steps. 

  1. After visiting a vet, ask for an itemized bill: This bill ought to embody how a lot you paid for remedy and will be aware any reductions or taxes. 
  2. Full the declare type: Fill out a declare type on your pet, together with the prognosis, date of the vet go to, and complete bill quantity. Embrace emails you this manner if you first enroll in a plan, however you too can obtain it immediately out of your MyEmbrace account.
  3. Submit and observe declare: You’ll be able to log in to your MyEmbrace account from the cell app or web site to submit and observe your declare. You can even submit your declare by electronic mail, mail, or fax. If the adjuster who evaluations your declare wants extra info, they’ll contact you to request it. 
  4. Get reimbursed: After a declare is authorized, Embrace will deposit the cash immediately into your checking account inside two enterprise days. If you happen to favor to be paid by examine, you’ll need to attend as much as 10 enterprise days to obtain one within the mail.

Buyer Service

You could have a number of choices for pursuing buyer help on your USAA pet insurance coverage coverage. You’ll be able to both contact USAA or Embrace, the insurance coverage supplier that they refer their prospects to. Your greatest guess is to start out with Embrace because it’s managing USAA buyer insurance policies. 


  • Shortcut cell quantity: #USAA (8722)
  • Foremost cellphone quantity: (210) 531-USAA (8722) or (800) 531-USAA (8722) 


Embrace’s buyer help hours are Monday to Friday, from 9 a.m. to eight p.m. ET

Third-Celebration Rankings

Embrace (USAA’s accomplice, which offers pet insurance coverage) doesn’t have any Shopper Monetary Safety Bureau complaints. The excellent news retains on coming. When Investopedia requested present prospects why they selected to resume their coverage, they reported that they did so as a result of…

  • “As a result of they met my wants thoroughly.”
  • “As a result of their providers are nice.”

Embrace’s pet insurance coverage is underwritten by American Fashionable Insurance coverage Group, Inc.; this firm was given A+ (Superior) score for monetary power by AM Greatest, an insurance coverage score firm. That is near the very best attainable grade (which is A++), and it implies that American Fashionable Insurance coverage Group is a secure firm that should not have any downside paying out claims to prospects.

Various Decisions

When buying round for a pet insurance coverage coverage, there are a number of essential questions you’ll wish to reply. Doing so will assist you to achieve a greater thought of which supplier and coverage are best for you. Ask your self the next questions earlier than selecting a pet insurance coverage firm to work with. 

  • What are their protection limits?
  • Have they got numerous deductible choices?
  • What are their reimbursement percentages and limits?
  • What therapies are coated and which of them are excluded?
  • Are you able to add wellness protection?
  • Have they got any minimal or most cutoff ages?


 USAATrusted Buddies Prudent Pet 
Annual Deductible Choices$200–$1,000$0, $100, $250, $500, $750$100, $250, $500, $1,000 
Reimbursement Share 70%, 80%, 90% 70%, 80%, 90%, 100% 70%, 80%, 90%
Common Declare Turnaround Time 2–5 days10 days 3–30 days 
Sickness Ready Interval 14 days14 days 14 days 
Harm Ready Interval 2 days14 days5 days 
Examination Protection Sure Sure Add-On 
Dental Sickness Protection Sure Sure Sure 
Max Enrollment Age Restrict NoneNone None 

Remaining Verdict

If you happen to’re a present or former navy member and also you’re hoping to avoid wasting on pet insurance coverage, you might discover that USAA’s choices can meet your wants for lower than different pet insurance firms. Members qualify for reductions by USAA’s partnership with Embrace, so that they can save and shield their pets at the identical time. There’s loads of flexibility with pricing right here, as annual deductibles vary from $200 to $1,000 and the reimbursement choices are 70%, 80%, or 90%.

Get a Quote

Our Methodology: How We Assessment Pet Insurance coverage Carriers

Investopedia is devoted to offering customers with unbiased, complete evaluations of pet insurance firms. We rated 25 suppliers and picked up over 2,000 knowledge factors, together with details about plan choices, firm options, and charges and limits, to be certain that our evaluations assist customers make knowledgeable choices for his or her pet insurance coverage wants.

Our full pet insurance coverage methodology, together with our knowledge assortment course of and weighted knowledge factors, is obtainable for evaluation.