USAA Pet Insurance : Secure Your Furry Friend’s Future

Welcome to the ultimate guide on USAA pet insurance, where we delve into everything you need to know to safeguard your furry friend’s health and happiness. As pet parents, ensuring the best care for our four-legged companions is paramount. With USAA pet insurance, you can enjoy peace of mind knowing that your pet’s medical expenses are covered, allowing you to focus on creating cherished memories together. Let’s explore the comprehensive coverage, benefits, and FAQs surrounding USAA pet insurance.

USAA offers pet insurance coverage for dogs and cats through their partnership with Embrace. Here are some key points about USAA pet insurance:

USAA Pet Insurance
USAA Pet Insurance
  1. What is Pet Insurance?
    • Pet insurance is a policy that helps cover the costs of medical care for your furry family members (dogs or cats) if they get sick or injured.
    • USAA works with Embrace to provide pet insurance policies that fit your budget.

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  1. Coverage:
    • You can get coverage for most accidents and unexpected illnesses, regardless of your pet’s breed.
    • Covered items include congenital, genetic, and breed-specific conditions, chronic conditions, cancer treatment, emergency room and specialist care, surgery, hospitalization, nursing care, complementary therapies, and rehabilitation.
    • Diagnostic testing and imaging are also covered.
  2. Exclusions:
    • Pre-existing conditions, breeding, whelping, and pregnancy are not covered.
    • Deliberate injuries caused by any person or pet residing in your home, injuries from fighting, racing, cruelty, or neglect, cosmetic procedures (unless medically necessary), DNA testing, and cloning are also excluded.
  3. Routine Care:
    • For everyday veterinary, training, and grooming needs, consider pairing your policy with Wellness Rewards from Embrace. This covers vaccinations, spaying or neutering surgery, flea, tick, heartworm treatment, blood work, and more.
    • You’ll earn rewards each year for being proactive with your pet’s care.
  4. Benefits:
    • Personalized Coverage: Choose deductible and reimbursement options tailored to your pet’s specific needs. You can get up to 90% back on your vet bills from any vet’s office.
    • Visit Any Vet, Anywhere: Since there are no networks, you can visit any veterinarian, even if you’re stationed overseas or on vacation.
  5. Cost:
    • Pet health insurance starts at as little as $1 per day. It’s a small investment that can help protect your finances after vet visits.

If you’re interested in getting a quote for pet insurance, you can call Embrace at 888-967-6807 or visit the USAA Pet Insurance page. Remember to provide details about your pet to get a personalized quote.

What are the typical costs for pet insurance?

The cost of pet insurance can vary based on several factors, including your pet’s species, breed, age, and the level of coverage you choose. Here’s an overview of the average costs for pet insurance:

  1. Dogs:
    • The average pet insurance cost for dogs is $576 per year for a policy with $5,000 of annual coverage, a $250 deductible, and an 80% reimbursement level.
    • For a policy with unlimited annual coverage, a $250 deductible, and an 80% reimbursement level, the average cost is $816 per year.
    • On a monthly basis, this translates to approximately $48 per month for $5,000 of annual coverage and $68 per month for unlimited coverage.
  2. Cats:
    • The average pet insurance cost for cats is $336 per year for a policy with $5,000 of annual coverage, a $250 deductible, and an 80% reimbursement level.
    • For a policy with unlimited annual coverage, a $250 deductible, and an 80% reimbursement level, the average cost is $480 per year.
    • On a monthly basis, this is approximately $28 per month for $5,000 of annual coverage and $40 per month for unlimited coverage.
  3. Factors Affecting Cost:
    • Your pet’s age, breed, and location play a significant role in determining the cost.
    • Different insurance companies offer varying rates, so it’s essential to compare quotes from different providers.

Remember that pet insurance can help offset unexpected veterinary costs, especially for accidents and illnesses. If you’re considering getting pet insurance, I recommend reaching out to providers like Embrace, Fetch, Figo, Healthy Paws, or Lemonade to get personalized quotes based on your specific needs and your pet’s details.

How can I pick the best policy for pet insurance?

Choosing the right pet insurance plan is essential to ensure your furry friend’s well-being while also managing costs. The following actions will help you make an informed choice.

  1. Assess Your Pet’s Needs:
    • Consider your pet’s age, breed, and any pre-existing conditions. Different pets have varying health risks, so tailor your choice accordingly.
  2. Research Different Types of Coverage:
    • Understand what each policy covers and doesn’t cover. To find out the details, read the fine print.
    • Look into coverage for accidents, illnesses, preventive care, and wellness visits.
  3. Analyze Your Budget:
    • Determine how much you can comfortably allocate for pet insurance premiums.
    • Balance the cost of premiums with the potential benefits and coverage.
  4. Read Reviews and Seek Recommendations:
    • Check customer reviews, ratings, and complaints about different insurance providers.
    • Recommendations from other pet owners can provide valuable insights.
  5. Compare Plans and Policies:
    • Acquire quotations from many insurance providers and juxtapose them side by side.
    • Customize your plan based on your pet’s needs and your budget.

Remember that pet insurance can be a safety net for unexpected veterinary expenses. By following these steps, you’ll be better equipped to choose a plan that suits your pet’s unique requirements.

What are the common exclusions in pet insurance?

Certainly! When it comes to pet insurance, there are certain exclusions you should be aware of. These exclusions can vary depending on the specific provider and policy.Let’s look at some of the more prevalent ones:

  1. Pre-existing Conditions:
    • Pet insurance companies usually do not cover pre-existing conditions.These are injuries or illnesses that occurred before your coverage started or during a waiting period11.
    • It’s essential to understand whether your pet has any pre-existing conditions before enrolling in a policy.
  2. Routine Procedures:
    • Most pet insurance plans do not cover the cost of routine procedures such as vaccinations, spaying/neutering, or dental cleanings.
    • These are considered part of regular preventive care and are usually not included in insurance coverage.
  3. Office Visits and Exam Fees:
    • While some policies cover diagnostic tests and treatments, they may exclude office visit fees or exam fees charged by the veterinarian.
    • Be aware of whether these fees are covered or not.
  4. Age Limits:
    • Some insurers have age limits for enrolling pets in new policies. Older pets may have limitations or higher premiums.
    • Check the policy details to understand any age-related restrictions.

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  1. Deliberate Injuries:
    • If your pet is injured due to an evident malicious act or negligence (such as abuse), the insurer may not pay out claims.
    • Deliberate injuries are often excluded from coverage.
  2. Treatments Not Approved by the Vet:
    • Pet insurance typically covers treatments recommended by a veterinarian. However, treatments that haven’t been approved by the vet may be excluded.
    • Always consult your vet before pursuing any non-standard treatments.
  3. Prescriptive Food:
    • While some policies cover prescription medications, they may not include the cost of specialized prescription food.
    • If your pet requires a specific diet, check whether it’s covered.
  4. Boarding Costs:
    • If you need to board your pet due to travel or other reasons, pet insurance may not cover the associated costs.
    • Consider separate coverage for boarding or pet sitting.

Remember to carefully review the exclusions section of your pet insurance policy to understand precisely what is covered and what isn’t. Each provider may have slightly different terms, so being informed will help you make the right choice for your furry friend.

Why Choose USAA Pet Insurance?

In a world where unexpected accidents and illnesses can occur, having reliable pet insurance is essential. USAA pet insurance stands out for its commitment to providing comprehensive coverage tailored to meet the diverse needs of pet owners. Whether your furry friend is a playful pup, a curious kitten, or a seasoned senior, USAA offers customizable plans to suit every stage of your pet’s life.

Comprehensive Coverage Options

USAA pet insurance offers a range of coverage options, including accident coverage, illness coverage, and wellness plans. Accident coverage ensures your pet is protected in the event of unexpected mishaps, such as injuries from car accidents or accidental ingestion of foreign objects. Illness coverage provides financial support for treating various illnesses, from common ailments to chronic conditions. Additionally, wellness plans cover routine care, including vaccinations, annual check-ups, and preventive treatments, promoting your pet’s overall well-being.

Flexible Policy Options

With USAA pet insurance, flexibility is key. Pet owners can choose from different deductible and reimbursement options to create a policy that fits their budget and preferences. Whether you prefer a lower monthly premium with a higher deductible or vice versa, USAA allows you to customize your policy to suit your financial needs.

Fast and Easy Claims Process

Filing a claim with USAA pet insurance is quick and hassle-free. Simply submit your claim online or via the mobile app, and track its progress in real-time. USAA’s dedicated claims team works efficiently to process claims promptly, ensuring you receive reimbursement for eligible expenses without delay.

Understanding USAA Pet Insurance Plans

To provide optimal coverage for your pet, it’s essential to understand the different insurance plans offered by USAA.

Accident-Only Coverage

Ideal for pet owners seeking basic coverage for unexpected accidents, such as fractures, lacerations, and poisonings.

USAA Pet Insurance
USAA Pet Insurance

Accident and Illness Coverage

Comprehensive coverage that includes protection against accidents, illnesses, and related medical expenses, ensuring your pet receives the care they need, when they need it most.

Wellness Plans

Optional add-on plans designed to cover routine care expenses, including vaccinations, flea and tick prevention, and annual exams, promoting your pet’s long-term health and wellness.

USAA Pet Insurance FAQs

  • What types of pets are eligible for USAA pet insurance?
    • Dogs and cats of all breeds and ages are eligible for coverage under USAA pet insurance.
  • Are pre-existing conditions covered?
    • No, pre-existing conditions are not covered under USAA pet insurance policies.
  • Can I visit any veterinarian with USAA pet insurance?
    • Yes, you can choose any licensed veterinarian or specialist for your pet’s medical care.
  • How soon does coverage start after enrolling?
    • Coverage typically begins within a few days of enrolling your pet, ensuring they’re protected from unforeseen accidents and illnesses.
  • Are there any waiting periods for coverage?
    • Yes, there may be waiting periods for certain conditions, so it’s essential to review your policy details carefully.
  • Can I customize my coverage options?
    • Yes, USAA offers flexible policy options, allowing you to tailor your coverage to meet your pet’s specific needs.


In conclusion, USAA pet insurance offers peace of mind and financial security for pet owners, ensuring your furry friend receives the best possible care without breaking the bank. With customizable coverage options, fast claims processing, and exceptional customer service, USAA is a trusted partner in safeguarding your pet’s health and happiness for years to come.

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