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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 coverage 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 1

  • 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 2

  • 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 3 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.

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 4

  • 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 5 to stock up on everything your pet needs and earn rewards on every purchase.

Explore more than 950 stores including PETCO®, BarkBox® and Walmart®.‍ ‍ See note 6

Shop now for Pet Insurance (Opens new window)

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.

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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

Hours

Monday to Friday
8:00 a.m. to 7 p.m. CT
Saturday
9:00 a.m. to 3 p.m. CT
Sunday
Closed

Related footnotes:

  1. The above coverage descriptions are intended to provide general information and are not an insurance contract. All coverages are subject to the terms, exclusions and conditions of the insurance policy. Read the insurance policy for complete details. Product, coverage and coverage limits options may vary by insurance company and location. Applications for insurance are subject to underwriting by the insurance company.

  2. Complementary Therapies covered by the policy are Chiropractic, laser, hydrotherapy, and physiotherapy following a covered injury or illness and performed by a vet or under direct supervision of a vet. Complementary therapies were previously called alternative therapies. Other nontraditional or alternative therapies are not covered. In some states, there is no time limit. Please see your state's terms and conditions.

  3. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. Wellness Rewards is a reimbursement plan designed to be paid in full over a 12-month policy term. If there is a remaining balance in your Wellness Rewards allowance at the end of the year, it does not rollover and is non-refundable. Not available in Rhode Island.

  4. Average claims cost based on 2025 Embrace claims data.

  5. Depending on the merchant, members receive between 0.5% and 20% of the retail purchase price in rewards on their purchases.

  6. Merchants subject to change.

Related footnotes:

  1. Use of the term "member" or "membership" refers to membership in USAA Membership Services and does not convey any legal or ownership rights in USAA. Restrictions apply and are subject to change.

  2. The USAA Perks program is provided through USAA Alliance Services LLC, a wholly owned subsidiary of USAA. USAA Alliance Services contracts with companies not affiliated with USAA to offer their products and services to members and customers. USAA Alliance Services receives compensation from these companies based on the sale of these products or services. When you purchase a product or service from one of these companies, that company is responsible for protecting your data and its processes and procedures may differ from those of USAA. These companies have sole financial responsibility for their products and services.

  3. Pet Health Insurance is administered by Embrace Pet Insurance Agency, LLC (Lic. No 0G89328) and underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8) and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Discounts may vary and are subject to change. For full terms and conditions, visit https://www.embracepetinsurance.com/coverage/embrace-terms.

    Premiums are based on the current age of your pet. Premium may increase due to the age of your pet at renewal. Initial premiums may be impacted by the species or breed of your pet. Premium may change based on your home address.

    Wellness Rewards is marketed and administered by Embrace Pet Insurance Agency, LLC. It is NOT INSURANCE and is not a regulated benefit. It is offered as an optional wellness membership plan. Your use of Wellness Rewards is based on an annual maximum. Your use of Wellness Rewards may result in liability for outstanding fees if you terminate your membership before the expiration of the 12-month membership period. Wellness Rewards is not available in RI. For full terms, visit https://www.embracepetinsurance.com/wellness-rewards-terms-of-service (c) 2025 American Modern Insurance Group, Inc.

  4. The trademarks, logos and names of other companies, products and services are the property of their respective owners.

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