USAA Pet Insurance Review
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USAA Pet Insurance Review: Best for Military Families

Overall Rating : 3 / 5

  • Name of Insurance Provider USAA Pet Insurance
  • Year of Establishment 1922
  • Key FeaturesA+ rating from BBB, Hassle-free claims
  • Coverage Limits $30,000
  • Waiting Period 14 days
  • Website
  • Phone Number 800-660-2386



All You Need to Know


  • Conditional coverage for pre-existing conditions
  • Anywhere between 15-25% discounts
  • Flexible plans


  • Age limit of 14 years applicable
  • No coverage for vaccinations
  • Only for former or current US military member

USAA Pet Insurance offers a plethora of customizable plans that covers pre-existing conditions as well. However, it is limited to current and ex military personnel only.

Founded in 1922, USAA was established as an insurance fund for vehicles by a group of 25 army officers. Eventually, USAA collaborated with Embrace Pet Insurance to introduce pet policies and plans for military pet owners.

Only current and former members of the US military and eligible family members can avail of USAA Pet Insurance. 


What Does USAA Pet Insurance Cover?

A USAA Pet Insurance plan covers the following:

  • Cancer treatments
  • Hospitalizations
  • Prescribed medications
  • Behavioral therapy
  • Nursing
  • Chronic conditions


Available Plans

USAA Pet Insurance offers a primary accident and illness plan. The price of the plan is dependent on factors like the age, breed, and location of the pet. But, most of the basic veterinary services are included in this plan.

In addition to this, a wellness reward plan is also available. You can add coverage for vaccinations, preventive care, and more.


  • Plan NameAnnual Limit
  • Cost Conscious Plan $2,000
  • Most Popular Plan $5,000
  • Additional Coverage Plan $10,000


Plan Pricing

How Much Does USAA Pet Insurance cost? The cost of the plans offered by USAA is determined by its partnered company, Embrace Pet Insurance. However, the plans offered are extremely affordable and can be customized as per your budget.

A primary accident and illness plan for a dog starts at $13. And, for a cat, the initial plan costs $8. The price is determined by factors such as the breed of the pet, age, gender, and location.

As a USAA Pet Insurance member, you can also avail yourself of a discount of up to 15%. Policyholders with multiple pets or active duty military members can avail of discounts up to 25%.


  • TreatmentIncluded in Plan?
  • Exam FeesYes
  • Diagnostic FeesYes
  • SurgeriesYes
  • HospitalizationYes
  • Pre-existing ConditionsNo
  • VaccinationNo
  • Prescriptive MedicationYes
  • Prescription Dog FoodNo
  • Dental CareNo
  • Hip DysplasiaYes
  • Behavioral TherapiesYes
  • Allergy TreatmentsYes
  • Cosmetic ProceduresNo
  • BreedingNo


What’s Included?

Does USAA pet insurance cover dental cleaning? Does USAA Pet Insurance cover prescriptions? Here is a list of conditions that are included within a USAA Pet Insurance policy.

  • Accident and illness costs
  • Hospitalization
  • Lab treatments
  • Examination fees
  • Dental treatments
  • Behavioral treatment


What’s Not Included?

As with any other pet insurance company, USAA Pet Insurance comes with certain restrictions and exclusions. The following are not included under USAA policies.

  • Cost of breeding and pregnancy treatments
  • Injuries due to racing, negligence, or cruelty
  • Deliberately caused injuries
  • Cosmetic procedures
  • Pre-existing conditions that have not been asymptomatic for 12 months


Pre Existing Conditions

Medical conditions that exist before a policy is commenced or during the waiting period are known as pre-existing conditions. They can be of two types — curable and incurable.

Incurable conditions are not covered by USAA Pet. However, if a pet suffers from a curable condition, the symptoms of which do not occur for 12 months, the condition can be covered by the USAA Pet policies.



Coverage Limits

USAA Pet Insurance does not offer unlimited coverage options. The limit starts from $5,000 and goes up to $30,000. 



Claiming a USAA Pet Insurance policy is quite easy. All claims need to be filed with Embrace Pet Insurance. 

After you receive an invoice from your vet, complete the claim form, and submit it online. You can also fax or mail the claim directly to Embrace’s office.

Once the claim is approved, your money will be reimbursed within 2-3 business days.


waiting period

Waiting Period

For illnesses, a waiting period of 14 days is applicable. A waiting period of 48 hours is applicable for accidents.

A 6 month waiting period is applicable for orthopedic conditions in dogs. This can be reduced to 14 days after giving an orthopedic exam and fulfilling a waiver process.



Our USAA Pet Insurance review reveals that USAA Pet Insurance delivers what it promises. Given the budget-friendly pricing, it is probably the best option for military pet owners.

With USAA Pet, there are no complicated plans for you to decipher. You can customize your program per your budget, and decide if it is worth your money or not.


Frequently Asked Questions

What’s Not Covered by USAA Pet Insurance?

Does USAA Pet Insurance cover medications? It does. However, it comes with certain exclusions.

  • Certain Pre-existing conditions
  • DNA testing costs
  • Cosmetic procedures
  • Pregnancy treatment and related costs
  • Breeding costs

Does USAA Pet Insurance Cover Vaccines?

The wellness reward plan offered by USAA Pet Insurance covers vaccines. You have to purchase it separately.

Also Read: Dog Vaccine Guide

Can I Use USAA Pet Insurance at Every Vet’s Office?

You might be wondering if USAA Pet Insurance is accepted everywhere. As long as a licensed vet is treating your pet, yes it is.

What is The PetFirst Cancellation Policy?

Wondering How do I cancel PetFirst. The cancellation policy of PetFirst is a hassle-free, seamless process. The cancellation must be sent in writing via the cancel form. You can further reach out to the team at 866-937-7387, click option 4, and let them guide you through the cancellation process.


Meet Paul, a devoted dog dad to the delightful French Bulldog, Cofi. With a flair for humor and a deep understanding of Frenchie quirks, Paul brings a lighthearted touch to his writings. His relatable stories and practical insights are a blend of laughter and valuable advice and resonate with fellow dog owners.

Through his words, Paul aims to celebrate the joys and challenges of being a dedicated pet parent, reminding you that life is simply better with a four-legged, snorting sidekick by your side.