USAA Pet Insurance Review

The USAA, also known as the United Services Automobile Association, provides insurance policies for a wide variety of purposes. Thanks to a partnership with Embrace Pet Insurance Agency, one of the most highly respected pet insurers in the States, USAA now offers a range of flexible pet insurance policies – but you’ll have to be a member of the USAA to access the discounts that are on offer.

USAA Pet Insurance Review
Cats & Dogs Best for
3 /5
$ 25 /mo
Starting Price
Table of Contents

    What Does USAA Pet Insurance Cover?

    Pet owners can choose from an accident-only policy or an accident & illness policy, both of which can be customized with different reimbursement and deductible amounts.

    Whether you’re a dog owner or a cat owner, you’ll be protected against any costs arising from breed-specific conditions, 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. 


    • 15% discount on the full cost of coverage
    • Stackable discount options up to a maximum amount of 25%
    • Provided through Embrace Pet Insurance


    • Six-month waiting period for orthodontic issues (although this can be shortened)

    USAA Pet Insurance Reimbursement and Deductibles 

    If you want to reduce the cost of your monthly payments, you can customize your insurance plan with a range of reimbursement and deductible amounts.

    Deductibles are available in $100 increments from $100 to $1,000. You can also choose between 70%, 80%, and 90% reimbursement amounts. 

    USAA Pet Insurance Waiting Period

    All pet insurers have a waiting period to prevent fraud, and USAA is no different.

    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.

    Orthopedic issues such as hip dysplasia have a six-month waiting period, although this can be reduced if you’re willing to put your dog or cat through an orthopedic examination and follow USAA’s waiver process. 

    How Much Does USAA Pet Insurance Cost? 

    Accident-only policies are much cheaper than accident & illness policies, but there are lots of other factors that will determine how much you pay for your policy, such as the condition and age of your pet, as well as the deductible and reimbursement amounts you choose.

    If you take advantage of the discounts that are available to multi-pet owners, active-duty military members, and neutered pets and stack this up to 25%, you can save a lot in comparison to other providers. 

    Customer Service and Satisfaction 

    USAA is already well-known for its high-quality customer service and as its pet insurance policies are provided through Embrace Pet Insurance, you can expect the same.

    If you have any questions about your policy, 24/7 support is available and you can contact a member of the team via email or cell phone. 

    Our Rating – How Pawsome is USAA Pet Insurance?

    With a maximum discount of up to 25% available on its policies, you could stand to save a lot of money on your pet insurance with USAA.

    Unfortunately, the level of coverage it offers in comparison to other providers isn’t great.

    For comprehensive coverage that protects your pet against the vast majority of accidents and illnesses, you should check out the total coverage plan provided by PetPremium.

    If you’re looking for coverage against hereditary and congenital conditions, you should check out Healthy Paws, while taking out a policy with PetAssure could save you an additional 15% on any medications ordered through its partner.