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Pet insurance to help protect your fur babies

Save up to 25% on coverage for dogs and cats.‍ ‍ See note 1 Get a quote online or call Embrace at 888-967-6807.

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.

Why get pet insurance?

Enjoy Personalized Coverage

Choose deductible and reimbursement options for your pet's specific needs. Plus, get up to 90% back on your bill from any vet's office.

Visit Any Vet, Anywhere

There are no networks, so you can visit any vet, even when traveling or stationed abroad.

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

  1. Visit any vet.

    Take your pet to any licensed vet, emergency clinic or rehab facility, and make sure to get an itemized invoice.

  2. Submit and track your claim.

    Log on to your Embrace account and provide the details of your visit, including the diagnosis, date and invoice amount.

  3. Get reimbursed.

    Once your covered claim is approved, Embrace can deposit your money into your bank account within 2 business days.

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.

Get the protection your best friend deserves.

Keep your furry family member happy and healthy with pet insurance from Embrace.