About
Do you currently have car, renters, or home insurance with USAA? Enrolling in pet insurance with Embrace through USAA might be a good fit. Members can access discounts and manage all insurance policies in one place. Embrace offers customizable and comprehensive pet insurance. Want help covering preventative care costs? You can add optional wellness coverage for extra peace of mind. See if enrolling in Embrace Pet Insurance through USAA is a good fit for you.
Coverage Offered by USAA
 |
|
|---|---|
Price: |
Get a Free Quote |
Deductible: |
$100 to $1,000 |
Reimbursement: |
70%, 80%, or 90% |
Annual Limit: |
$2,000 to Unlimited |
Accident Waiting Period: |
0 days |
Illness Waiting Period: |
14 days |
Wellness Waiting Period: |
0 days |
Orthopedic Waiting Period: |
Varies by state |
Accidents: |
Included |
Illnesses: |
Included |
Wellness: |
Optional |
Dental Coverage: |
Included |
Exam Fee Coverage: |
Available |
Direct Vet Pay: |
Available |
Claims Expiration: |
Within 60 days of renewal to the next term |
Claims Submission App: |
Yes |
USAA Pet Insurance Coverage
When you enroll in Embrace through USAA for accident and illness coverage for dogs and cats, you can customize this coverage to fit your needs and budget.
Deductible Options
$100, $250, $500, $750, or $1,000
Reimbursement Options
70%, 80%, or 90%
Annual Limit Options
$2,000, $5,000, $10,000, $15,000, $30,000 or Unlimited Annual Limit
What's Covered
Accidents
Breed-specific conditions
Congenital conditions
Chronic conditions
Dental illnesses*
Diagnostics
Emergency care
Genetic conditions
Hospitalization
Illnesses
Orthopedic conditions
Prescription medication
Surgery
Specialist care
X-rays
Optional Wellness Rewards
Embrace also offers a non-insurance, optional add-on benefit called Wellness Rewards. Pet parents are reimbursed 100% up to the selected annual allowance. There are three annual allowances: $300, $500, and $700. You can use this wellness allowance for any of the eligible items, including:
Routine exams and vaccinations
Flea, tick, and heartworm medications
Preventative surgery such as spaying, neutering, and gastropexy
Prescription diet food
Grooming and training
Policy Exclusions
Embrace's policy exclusions include, but are not limited to:
Pre-Existing Conditions
Routine and Preventative Care (unless you've added wellness coverage).
Breeding and Pregnancy
Elective Procedures
Check your policy through USAA or visit Embrace's site for more details.
Requirements of Policy Holders
There is a $25 enrollment fee
The maximum age for enrollment in full accident and illness coverage is 14 years
Pets older than 15 are eligible for an accident-only policy
The minimum age for enrollment is six weeks
Pets must have been examined by a licensed veterinarian in the 12 months before the policy start date
If there is no noted exam prior to the policy start date, an exam is required within the first 14 days of the policy
Pet parents can cancel policies immediately over the phone with no penalty
Claims must be submitted within the policy year plus 60 days
Other Provisions
There is a defined appeal process for claims
Reimbursement method: direct deposit or check
Prescription medication coverage is available for all accident and illness policies
There is a two-week illness waiting period, which begins on your policies’ effective date
Orthopedic conditions have additional waiting or exclusion periods that vary by state
Claims
With Embrace through USAA, you can use Embrace's website or app to submit your claims directly. Alternatively, you can also fax, mail, or email your claim form with the invoice(s) within 60 days of renewal to the next term.
Direct deposit option for receiving reimbursements
Trackable claim status using the app
Claims are processed in 10-15 business days
View an Embrace Pet Insurance sample policy.
Customer Support
With Embrace Pet Insurance through USAA, you can manage your policy with Embrace.
Embrace Customer Service Hours
Monday - Friday: 9 am – 8 pm ET
Saturday: 10 am – 2 pm ET
Embrace Contact Information
Phone: (855) 540-2104
Email: [email protected]
Other: Online Chat, 24/7 Vet Chat
How to Cancel Embrace Pet Insurance
To cancel an Embrace Pet Insurance policy, you can contact customer service via phone or email. You can also submit a cancellation request online.
Does Embrace Pet Insurance Have a Money-Back Guarantee?
If you cancel your policy within 30 days of your start date and haven't submitted any claims, you will receive a full refund.
Compare
Compare USAA Against Other Pet Insurance Companies
We're working to bring you a comprehensive list of USAA compared to other pet insurance providers. Please check back again. In the meantime, you can compare pet insurance companies from our existing list. Or, get a free quote for more personalized recommendations. Since USAA offers insurance through Embrace, you can browse our Embrace comparison articles.
Interested in learning more about the specifics of cat or dog insurance? Read our guides on pet insurance for more information:
Our USAA Pet Insurance Review
Enrolling in Embrace through USAA might be a convenient option for USAA members. It's backed by an established insurer, offering comprehensive accident and illness protection. Plus, you can add wellness coverage to your plan for more coverage. Signing up with USAA also gives pet parents added savings like military discounts.
