USAA Pet Insurance Reviews: How It Stacks Up (2026)
USAA pet insurance offers broad coverage, generous discounts, and plenty of customization options.
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Written byLindsay Frankel
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Lindsay FrankelInsurance Writer
5+ years in auto insurance and personal finance writing
Featured in top personal finance publications
Lindsay is a widely published creator of auto insurance content. She also specializes in real estate, banking, credit cards, and other personal finance topics.
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Edited byAshley Cox
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Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Reviewed byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
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Table of contents
USAA offers comprehensive pet insurance for cats and dogs through its pet insurance partner Embrace. USAA members automatically save 15% on pet insurance premiums, and military members have the opportunity to save up to 25% with additional discounts.[1] You can also customize your pet insurance policy to fit your budget and your pet’s needs.
USAA pet insurance covers a broad variety of accidents and illnesses. You’ll also get access to 24/7 support if you need advice about your pet’s health. But USAA may not be the best choice for every pet owner. Here’s what you need to know to compare pet insurance policies and decide if USAA is right for your furry friend.
Quick Facts
USAA pet insurance offers coverage for behavior therapy and complementary treatments like chiropractic, which other pet insurance policies commonly exclude.
Some pet insurance companies offer more affordable coverage than Embrace, even when you factor in the generous 15% discount for USAA members.
USAA’s wellness plan through Embrace is flexible but offers limited savings, and some pet owners may not find the savings worth the inconvenience of filing a claim for each preventative care service.
USAA pet insurance: Our verdict
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USAA partners with Embrace to offer broad pet insurance coverage for most accidents and illnesses, including some commonly excluded conditions and treatments. Embrace offers an array of customization options that give pet owners more control over their premiums, and customers generally speak positively about the claims process and customer service.
While Embrace charges relatively high premiums, especially for cats, USAA members who qualify for the maximum 25% discount can get a good deal. But you should still compare quotes from a few other pet insurance companies, especially if you don’t need the most comprehensive coverage for your pet.
Pros
Comprehensive, customizable coverage, including an unlimited annual coverage option
Discounts of up to 25% if you’re a military member or have multiple pets
24/7 pet health advice through PawSupport helpline
Cons
Requires USAA membership, which is available only to active-duty military members, veterans, and their immediate family members
Not the most affordable coverage, particularly for cats
USAA has poor customer service reviews on third-party websites
How much does USAA pet insurance cost?
Your pet health insurance cost will vary depending on your pet’s age, species, breed, and location. You can also lower your premium by choosing a higher deductible, a lower reimbursement rate, or a lower annual limit.
Insurify pulled quotes for accident and illness policies based on a $15,000 annual limit, a $500 deductible, and an 80% reimbursement rate. Quotes include the 15% discount for USAA members.
Note that current and former active-duty military members, service dog owners, and pet owners with multiple pets are eligible for additional discounts, with a maximum discount of 25%.
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Cost of USAA dog insurance
Below are the monthly dog insurance costs for Embrace’s accident and illness plan, along with the premiums for optional add-ons. These sample quotes are based on a medium-sized 2-year-old mixed-breed male dog living in Hartford, Connecticut.
Policy Type  | Monthly Quote |
|---|---|
| Accident and illness policy | $44.57 |
| Exam fees add-on | $5.10 |
| Prescription drug coverage | $5.44 |
| Wellness Rewards up to $250 per year | $15.94 |
| Wellness Rewards up to $450 per year | $30.10 |
| Wellness Rewards up to $650 per year | $44.28 |
Cost of USAA cat insurance
The table below shows the monthly cat insurance cost of an accident and illness plan, along with the optional add-ons, for a 2-year-old female American shorthair cat living in Hartford, Connecticut.
Policy Type | Monthly Quote |
|---|---|
| Accident and illness policy | $30.91 |
| Exam fees add-on | $3.54 |
| Prescription drug coverage | $3.77 |
| Wellness Rewards up to $250 per year | $15.94 |
| Wellness Rewards up to $450 per year | $30.10 |
| Wellness Rewards up to $650 per year | $44.28 |
USAA pet insurance plans and coverages
USAA offers an accident and illness plan and a wellness plan through Embrace pet insurance. If you get a quote directly through Embrace, the company also offers an accident-only policy for pets 15 and older.[2]
Accident and illness plan
The USAA accident and illness plan from Embrace covers most veterinary treatments for unexpected illnesses and accidents that begin after the applicable waiting period. Embrace will reimburse you for your vet bills based on the deductible, annual limit, and reimbursement rate you choose. The chart below shows examples of covered conditions and veterinary services.[3]
Covered Conditions | Covered Treatments at Any Licensed Vet |
|---|---|
|
|
Wellness Rewards
Pet parents purchasing an accident and illness plan from USAA have the option to add Embrace’s Wellness Rewards plan for an additional cost. Unlike most wellness plans, the coverage isn’t itemized, and you can use the plan to cover a variety of routine care services, including:
Activity monitors
Flea, tick, and heartworm medication
Grooming
Nutritional supplements
Training
Vaccinations
Wellness exams
Good to Know
The wellness add-on only provides limited annual savings, and you’ll need to file claims for reimbursement. Embrace offers three annual reimbursement options: $250, $450, and $650.
What USAA pet insurance doesn’t cover
Embrace’s pet insurance policies cover many vet costs, but they contain some important exclusions:
Alternative therapies, such as Reiki and massage therapy
Boarding, including medical boarding
Breeding, whelping, and pregnancy
Conditions related to abuse, neglect, fighting, or racing
Pre-existing conditions that appeared before the end of the waiting period, unless the condition is curable and your pet has been symptom-free for 12 months
Preventative care, unless you purchase the wellness plan
Preventable illnesses if your pet wasn’t vaccinated as recommended
Procedures that aren’t medically necessary, such as cosmetic procedures and DNA testing
Keep in mind that all Embrace pet insurance plans require you to pay for some out-of-pocket expenses based on your deductible and reimbursement rate.
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USAA pet insurance vs. competitors
In the table below, you can see how USAA pet insurance compares to some other top pet insurers.
 |  |  |  |  |
|---|---|---|---|---|
Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–100% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 60%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 70%–90% | Reimbursement % The percentage of costs your provider will pay for a covered event, after you’ve paid your deductible. 90% |
Payout limits The maximum amount your provider will pay for covered events. $5,000–$30,000 | Payout limits The maximum amount your provider will pay for covered events. $5,000–Unlimited | Payout limits The maximum amount your provider will pay for covered events. $5,000–$100,000 | Payout limits The maximum amount your provider will pay for covered events. $2,500–Unlimited | Payout limits The maximum amount your provider will pay for covered events. Unlimited |
Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$750 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $100–$1,000 | Deductibles The amount you must pay towards a covered event before your coverage kicks in. $0 to $950 |
Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions CoveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. | Curable pre-existing conditions Not coveredPre-existing conditions refer to conditions your pet has shown documented symptoms of before your policy’s waiting period is over. Some companies still cover these conditions if they’re deemed “curable” and haven’t shown symptoms for a specified period of time that varies by insurer. |
Data in this table has been sourced from Insurify users who received a pet insurance quote from our partner Fletch.
Is USAA pet insurance worth it?
Vet bills for emergency surgery or care for a chronic condition like cancer or diabetes can cost thousands of dollars.[4] If an unexpected expense of this magnitude would cause you financial hardship, you should consider buying a pet insurance policy. With the right coverage, you’ll never have to choose between your pet’s health and your personal finances.
If your pet is young and healthy, it might make sense to buy a comprehensive policy like the one Embrace offers, especially if you qualify for the maximum discount through USAA. But other pet insurance companies offer more affordable coverage that may be better for some pet owners.
For example, if your pet already shows signs of dental illness, it’s probably not worth buying a more expensive policy that includes dental illness coverage since pet insurance generally doesn’t cover pre-existing conditions. You may also decide it’s not worth getting a wellness plan that only offers about $25 in annual savings since filing claims takes time.
Ultimately, getting a pet insurance policy is a personal decision. You should compare your options before choosing a pet insurance company so you don’t end up paying more for coverage you don’t need.
USAA pet insurance FAQs
If you’re shopping for a pet insurance policy, this additional information may help as you research your options.
No. USAA membership is open to active-duty military members, veterans, pre-commissioned officers, and military spouses and children. If you have a spouse or parent who is a USAA member, you’re likely also eligible.
Most home insurance companies, including USAA, include coverage for dog bite liability claims in a standard homeowners insurance policy. In some states, policies may exclude coverage for dog bites in general or exclude coverage for certain high-risk breeds. Home insurance doesn’t cover veterinary treatment for dogs, so many pet owners also purchase pet insurance.
USAA’s pet insurance partner, Embrace, says it pays 90% of claims within 10 days.
It depends. Embrace’s accident and illness plan covers dental illnesses, such as extractions and periodontal disease, up to $1,000 per year. But it doesn’t cover routine dental cleanings. You’d need to purchase an add-on wellness plan for this coverage.
No. Embrace pet insurance doesn’t cover routine veterinary care, such as exam fees. But its wellness add-on helps cover veterinary exam fees.
All Embrace pet insurance policies have a two-week waiting period for illnesses. Other waiting periods vary by state, so it’s important to review your policy to see which apply in your area.
To cancel a USAA pet insurance policy, contact Embrace by phone at 1 (800) 643-7578.
You can access many service options, including billing and claims, through your online account at My.EmbracePetInsurance.com or with the Embrace mobile app.
If you still need help, you can reach a customer service representative at 1 (800) 643-7578. Representatives are available from 9 a.m. to 8 p.m. Eastern, Monday through Friday, and from 10 a.m. to 2 p.m. Eastern on Saturday.
Methodology
Insurify data scientists analyzed more than 250,000 pet insurance quotes from our proprietary database — sourced by Fletch Insurance Services LLC (“Fletch”) — to determine the premium prices displayed on this page. These quotes come directly from Insurify’s 10+ partner insurance companies across all 50 states and Washington, D.C., reflecting monthly pet insurance costs for both dogs and cats.
Unless otherwise specified, premium prices represent one-year rolling medians to account for market volatility driven by factors such as rising veterinary care costs and increased pet ownership.
Breed-level prices incorporate both mixed and purebred pets. To ensure reliability, a minimum of eight quotes is required for dogs and four quotes for cats. Breeds with significant price deviations from the average are noted explicitly; other breeds are estimated based on average costs for all purebred pets.
Pets are grouped into three age brackets:
- Young: under 12 months
- Adult: 12 months to 7 years
- Senior: over 7 years
Coverage Limits
Dog premium averages reflect policies with annual coverage limits of $2,500, $5,000, $10,000, or unlimited.
Cat premium averages reflect policies with annual coverage limits of $2,500, $5,000, $7,000, $10,000, or unlimited.
For both dogs and cats, monthly premiums are segmented by:
- Deductible options: $250, $500, $1,000
- Reimbursement options: 70%, 80%, 90%
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Sources
- USAA. "Pet insurance to help protect your fur babies."
- Embrace. "What Is Embrace's Accident-Only Pet Insurance Plan?."
- Embrace. "What Does Embrace Cover on an Accident and Illness Plan?."
- CareCredit. "Average Veterinary Pricing by Procedure."
)
Lindsay FrankelInsurance Writer
5+ years in auto insurance and personal finance writing
Featured in top personal finance publications
Lindsay is a widely published creator of auto insurance content. She also specializes in real estate, banking, credit cards, and other personal finance topics.
Featured in
Lindsay is a widely published creator of auto insurance content. She also specializes in real estate, banking, credit cards, and other personal finance topics.
Ashley CoxSenior Managing Editor
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
