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The USAA (United Services Automobile Association) offers military members and their families insurance and banking products. Among its offerings are pet insurance policies administered by Embrace, a prominent company with more than two decades of experience in the pet insurance marketplace. So, is USAA pet insurance good or is it better to sign up with Embrace directly? Below is a snapshot of USAA’s pet insurance policies, but you can learn more in our Embrace review.
Table of Contents
USAA Pet Insurance Review
Summary
As a USAA customer, you can bundle your pet insurance policy through them. However, if you aren’t a USAA customer and think their policies look good, we recommend insuring directly through Embrace since it administers USAA policies.
Overall Score
Pros
- Save up to $25 as a USAA member
- No per-incident limits on their claims as they use an annual deductible
- No lifetime limit
- Offers optional Wellness Rewards (not available in RI; must purchase in conjunction with pet insurance)
- Pays claims within 5 days on average
- Covers your pet if they travel outside the U.S. with you
- 30-day money-back guarantee
- Up to a 10% max discount for multiple pets (5% in NY)
Cons
- $1.00 transaction fee (waived if you pay annually) and $25 enrollment fee
- If one leg has a CCL (ACL) injury prior to enrollment, the other leg will not be covered even if there are no prior issues; it’s considered a pre-existing condition
- Only covers enrolled pets age 14 and younger for accidents and illnesses (accident only may be available for ages 15+)
Purchasing A Policy Through USAA vs Embrace
One advantage of purchasing your Embrace policy through USAA is that you may qualify for up to a 25% discount on your USAA pet insurance cost. However, if you aren’t a current USAA member, purchasing your policy through Embrace may be a better route. Other than selling Embrace policies, USAA is not involved in any other way. You will speak with Embrace directly if you need to contact customer service or have a claim.
Consider All Your Pet Insurance Options
Embrace is well-known for its comprehensive coverage, which includes behavioral therapy, complementary therapy, and curable pre-existing conditions (after a year without treatment or symptoms). Additionally, every year you do not receive a claim payment, your deductible automatically drops by $50. However, Embrace has upper-age enrollment caps for plans covering illnesses.
Embrace’s premiums can vary significantly, as with any insurer, so it’s crucial to compare quotes from several providers. After evaluating over two dozen businesses, we have selected the top pet insurance providers based on a variety of factors, including coverage, reputation for customer service, claims handling, policy cost, plan customizations, and more. You can obtain several quotes for free by using the tool below.
Why Trust Canine Journal?
Canine Journal has been researching and reviewing pet insurance since 2012. This comparison was written by Kimberly Alt, Canine Journal’s lead pet insurance author and a licensed insurance producer with more than a decade of experience analyzing pet insurance providers, policy terms, and coverage options.
For this review, Kimberly spent more than 100 hours researching, reviewing policy documents, gathering quotes, and speaking with company representatives. She also consulted with Michelle Schenker, Canine Journal’s co-founder and a licensed insurance agent, to ensure accuracy and provide additional industry expertise.
