USAA Pet Insurance Review 2020

If you’re looking for pet insurance, you may be surprised to find that you can get pet insurance through USAA, or so it seems on the website. However, USAA pet insurance is another one of those interesting cases in which USAA only operates in an agency capacity. It actually offers plans that are administered by Embrace Pet Insurance. Read on to learn more about the situation and if there are any benefits to getting a pet insurance policy through the USAA.

About USAA Pet Insurance:

USAA is a financial institution that specifically serves people who are in the military or connected to the military. That includes active duty, guard or reserve, veterans, cadets and midshipmen and eligible family of those who have served in the U.S. military. USAA offers auto, home and renters insurance, free checking, discounts and credit card services, as a few examples. 

USAA also has a page stating that the organization offers pet insurance. The page itself details what conditions are covered and that you can get up to 90 percent back on vet bills.  

However, at the bottom of the page, fine print states the pet insurance plans themselves are administered by Embrace Pet Insurance, which is underwritten by American Modern Insurance Group. To be clear, USAA pet insurance is Embrace policies that USAA sells in an agency capacity. If you’d like to know more about Embrace plans, you can see our review here.  

What also makes the process a little confusing is that you need to be a member of the USAA to be eligible for Embrace Pet Insurance this way. When you select the “get a free quote” option on the page, it sends you into a process of providing personal information to see if you’re eligible for USAA membership, including your address, phone number, connection to the military and social security number that are all required as part of the process.   

>>MORE: Top Companies for Cheap Pet Insurance for 2020

The Benefit of Getting USAA Pet Insurance:

You may be wondering what the point of getting USAA pet insurance even is if you have to go through the hassle of getting a USAA membership. There is one main benefit: it states right on the website that USAA members get an automatic 15 percent discount on pet insurance. You also get an additional 5 percent for insuring multiple pets or if you are active-duty military. So you can get up to 25 percent in savings on an Embrace Pet Insurance policy through USAA.  

That’s also before you take into account the other benefits of being a USAA member, like the additional financial services mentioned above. So if you are connected to the military, and either have a USAA membership or are thinking of getting one, this may be an option for pet insurance.  

However, if you’re not connected to the military, you have to just go through Embrace directly. 

>>MORE: The Best Pet Insurance Companies for 2020


  • USAA offers Embrace Pet Insurance as an agent. As such, you must have a USAA membership to get USAA pet insurance, which means you also must be connected to the military.
  • The benefits of getting USAA pet insurance are the discounts: 15 percent with your USAA membership and 5 percent for both insuring multiple pets and being active-duty military, coming to a total of a 25 percent discount.
  • However, if you are not connected to the military or do not want a USAA membership, this option is something you will have to bypass.

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