Take your pet to any licensed vet, emergency clinic or rehab facility, and make sure to get an itemized invoice.
What’s pet insurance?
Pet insurance is a policy that helps give peace of mind to pet owners. If your furry family member needs an exam, procedure or medication because they’re sick or accidentally injured, these policies can reimburse you for a portion of the veterinary costs. You can get it for your dog or cat.
The USAA Insurance Agency works with Embrace® to offer you different types of plans. That way, you can focus less on the financial burden and more on getting your pet the care they need.
What’s covered and what’s not?
Get reimbursed for most accidents and unexpected illnesses with coverage for your pet.
Covered See note 2
Congenital, genetic and breed-specific conditions
Chronic conditions
Cancer treatment
Emergency room and specialist care
Surgery, hospitalization and nursing care
Complementary therapies and rehabilitations See note 3
Diagnostic testing and imaging
Not Covered
Routine and preventative care
Preexisting conditions
Breeding, whelping and pregnancy
Deliberate injury caused by any person or pet residing in your home
Injury or illness resulting from fighting, racing, cruelty or neglect
Cosmetic procedures, unless medically necessary
DNA testing or cloning
Stem cell therapy not deemed medically necessary
Add coverage for routine care.
For your pet’s everyday veterinary, training and grooming needs, add Wellness Rewards See note 4 from Embrace.
You’ll get reimbursed for vaccinations; spay or neuter surgery; flea, tick and heartworm treatment; blood work; and more.
Plus, you’ll earn rewards each year for being proactive with your pet’s care.
Get 24/7 access to pet health advice.
Have a pet insurance question and need answers fast? Log on to your Embrace account to access PawSupport at no additional cost. See note 5
Pet Pros can guide you through your pet's health situation and help you decide if and how soon you should see a vet.
How much is pet insurance?
Several factors affect your premium, including what kind of pet you have, their gender, breed, age and where you live.
You can customize a policy to fit your needs and your budget.
How You Can Save
Take advantage of pet insurance discounts. If you buy a policy through the USAA Insurance Agency, you'll get up to 15% off.
Military members and members with service dogs or multiple pets can get an extra 10% off, for a maximum discount of 25%.
How Embrace pet insurance works
Steps to complete How Embrace pet insurance works
Is pet insurance worth it?
Vet bills can add up quickly. With pet insurance, you could save thousands of dollars over the life of your pet.
Let’s see how much it could cost you to take care of Max or Daisy if you didn't have pet insurance. See note 6
- If Max or Daisy eats something poisonous, like chocolate or grapes, you could spend more than $676.
- Treatment for heat stroke can cost you more than $1,625.
- For nearly $1,844, your vet can remove that toy your furry family member swallowed.
- Cruciate ligament tears cost an average of $1,325 per claim.
Need more than pet insurance? Save with USAA Perks®.
Use MemberShop® See note 7 to stock up on everything your pet needs and earn rewards on every purchase.
Explore more than 950 stores including PETCO®, BarkBox and Walmart.
Pet insurance FAQ
Embrace insures dogs and cats of any age. If the pet is older than 14, they’re eligible for an accident-only policy. Restrictions may apply in some states.
Once you’re signed up, coverage locks in for life. If your pet is eligible for full accident and illness coverage when enrolling, that will continue for as long as your pet remains insured.
Embrace will never drop your pet or reduce their coverage based on age, health status or claims.
No, we don't currently offer life insurance for service dogs, but you can get accident and illness insurance. We hope to offer more coverage in the future.
It’s a health problem your pet has before your new insurance coverage starts.
Generally, your policy won’t cover preexisting conditions.
But it may cover certain curable preexisting conditions. Some examples include ear infections and undiagnosed vomiting or diarrhea. Since these issues are curable, they may be covered if your pet goes a year without symptoms.
You can request a medical history review. It's free and available to anyone with a policy. During a review, a claims adjuster will look at your pet's medical records to let you know what conditions are considered preexisting.
Our agency has long-standing relationships with many insurance providers, and we monitor those relationships to make sure they meet our standards of customer service and financial stability.
We’ve worked closely with Embrace since 2014. You can get help from specially trained representatives who'll serve you at the level you expect.
Get the protection your best friend deserves.
Keep your furry family member happy and healthy with pet insurance from Embrace.
Have more questions?
Representatives from Embrace are ready to help. Give them a call, or email USAA@embracepetinsurance.com Opens in a New Window.
Call 888-967-6807.
For TTY devices, dial 711
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