USAA's pet insurance (offered through Embrace) scores 2.3 out of 5 for cats and 2.55 for dogs in MoneyGeek's analysis. The company excels in customer experience, ranking sixth nationally. It has higher premiums, ranking 14th for cats and 12th for dogs. USAA requires a two-day waiting period for accidents and 14 days for illnesses before coverage begins.
USAA Pet Insurance Review
Updated: October 13, 2025
Advertising & Editorial Disclosure
USAA Pet Insurance Review: Key Takeaways
USAA ranks 14th for cat insurance affordability and 12th for dogs, with monthly premiums starting at $46 for cats and $73 for dogs.
Ranking sixth nationally for customer experience, USAA maintains strong ratings with an A+ BBB rating and 4.1 out of 5 stars on Trustpilot for pet insurance services.
USAA ranks tenth nationwide for coverage, offering comprehensive accident and illness insurance with an optional Wellness Rewards program for preventive care.
USAA Pet Insurance Ratings
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Pet Type:Dog
| Affordability | 2.22 | 12 |
| Coverage | 1.90 | 10 |
| Customer Experience | 3.54 | 6 |
| Overall Score | 2.55 | 13 |
WHO IS USAA PET INSURANCE BEST FOR?
USAA Pet Insurance ranks among the best pet insurance companies for owners wanting flexible deductible options and unlimited payout limits. The provider covers hereditary conditions, behavioral issues and exam fees without extra charges. Pet parents also benefit from the diminishing deductible feature that reduces costs over time. Waiting periods for accidents and illnesses may not suit those needing immediate coverage.
USAA Pet Insurance Ratings by State
USAA offers pet insurance policies nationwide. The company achieves its best overall ranking of 11th place in six states for dogs and one state for cats. While USAA does not hold top rankings in any state, it shows consistent moderate performance across the country. Its strongest category is customer experience, where it ranks sixth nationally in all 50 states for both dogs and cats.
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Category:Affordability
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Pet Type:Dog
| Alabama | 2.52 | 12 |
| Alaska | 2.42 | 12 |
| Arizona | 2.53 | 12 |
| Arkansas | 3.13 | 12 |
| California | 1.99 | 13 |
| Colorado | 1.91 | 13 |
| Delaware | 2.28 | 12 |
| Connecticut | 2.22 | 12 |
| Florida | 2.42 | 12 |
| Georgia | 2.10 | 12 |
| Hawaii | 1.85 | 12 |
| Idaho | 2.65 | 12 |
| Illinois | 3.05 | 12 |
| Indiana | 2.36 | 12 |
| Iowa | 2.21 | 13 |
| Kansas | 2.63 | 12 |
| Kentucky | 2.57 | 12 |
| Louisiana | 2.34 | 12 |
| Maine | 2.28 | 12 |
| Maryland | 2.31 | 12 |
| Massachusetts | 2.11 | 12 |
| Michigan | 2.37 | 12 |
| Minnesota | 2.23 | 12 |
| Mississippi | 2.45 | 12 |
| Missouri | 2.53 | 12 |
| Montana | 2.48 | 12 |
| Nebraska | 2.96 | 12 |
| Nevada | 2.79 | 12 |
| New Hampshire | 2.06 | 12 |
| New Jersey | 2.39 | 12 |
| New Mexico | 2.68 | 12 |
| North Carolina | 2.14 | 13 |
| New York | 2.40 | 12 |
| North Dakota | 2.80 | 12 |
| Ohio | 1.68 | 13 |
| Oklahoma | 2.66 | 12 |
| Pennsylvania | 2.49 | 12 |
| Oregon | 1.76 | 13 |
| Rhode Island | 2.37 | 12 |
| South Carolina | 2.26 | 12 |
| South Dakota | 2.17 | 12 |
| Tennessee | 2.79 | 12 |
| Utah | 1.68 | 12 |
| Texas | 2.49 | 12 |
| West Virginia | 2.48 | 12 |
| Vermont | 2.30 | 12 |
| Virginia | 2.26 | 12 |
| Washington | 2.89 | 12 |
| Wisconsin | 2.17 | 12 |
| Wyoming | 2.67 | 12 |
USAA Pet Insurance Comparison
Review how USAA performs alongside other major national pet insurance providers.
USAA vs. AKC | • Dogs: 2.55 vs. 4.30 • Cats: 2.30 vs. 3.85 | AKC is stronger across all categories, especially coverage. USAA trails in affordability and overall scores. |
USAA vs. ASPCA | • Dogs: 2.55 vs. 3.85 • Cats: 2.30 vs. 3.35 | ASPCA offers better affordability and overall scores. USAA ranks lower in every category. |
USAA vs. Fetch | • Dogs: 2.55 vs. 2.70 • Cats: 2.30 vs. 2.95 | Fetch scores higher than USAA on coverage, while USAA has a slight advantage on affordability. Both rank low on customer experience. |
USAA vs. Figo | • Dogs: 2.55 vs. 3.60 • Cats: 2.30 vs. 3.80 | Figo scores higher than USAA in affordability, coverage and overall scores. |
USAA vs. Hartville | • Dogs: 2.55 vs. 3.50 • Cats: 2.30 vs. 3.90 | Hartville offers better affordability and coverage. USAA ranks lower across most categories. |
USAA vs. Lemonade | • Dogs: 2.55 vs. 4.50 • Cats: 2.30 vs. 4.25 | Lemonade costs less and scores higher overall. USAA is weaker in coverage and affordability. |
USAA vs. Liberty Mutual | • Dogs: 2.55 vs. 2.65 • Cats: 2.30 vs. 2.30 | Both have low scores. Liberty Mutual has a slight affordability advantage, while USAA performs slightly better on customer service. |
USAA vs. MetLife | • Dogs: 2.55 vs. 3.05 • Cats: 2.30 vs. 2.40 | MetLife leads in affordability, but USAA ranks higher in customer experience. Coverage scores are weak for both. |
USAA vs. Nationwide | • Dogs: 2.55 vs. 2.50 • Cats: 2.30 vs. 2.65 | Nationwide ranks lower on affordability but offers better coverage. USAA has a slight advantage on dog scores. |
USAA vs. Pets Best | • Dogs: 2.55 vs. 4.05 • Cats: 2.30 vs. 3.80 | Pets Best delivers stronger affordability and coverage, ranking higher than USAA in most categories. |
USAA vs. Pumpkin | • Dogs: 2.55 vs. 3.70 • Cats: 2.30 vs. 4.15 | Pumpkin scores much higher on affordability and overall performance. USAA ranks lower across all areas. |
USAA vs. Rainwalk | • Dogs: 2.55 vs. 4.05 • Cats: 2.30 vs. 3.95 | Rainwalk excels in customer service and affordability. USAA ranks lower in most categories. |
USAA vs. Spot | • Dogs: 2.55 vs. 3.75 • Cats: 2.30 vs. 4.15 | Spot is stronger in affordability, coverage and customer service. USAA ranks lower overall. |
How Much Does USAA Pet Insurance Cost?
USAA's pet insurance costs an average of $73 monthly ($874 annually) for dogs and $46 monthly ($547 annually) for cats. Your premium depends on several factors, including your location and pet breed.
| Dog | $73 | $60 | $874 | $723 | 21% |
| Cat | $46 | $32 | $547 | $379 | 44% |
USAA Pet Insurance Rates by State
USAA premiums vary by state based on veterinary costs and local claim patterns. USAA offers the cheapest pet insurance for cats in Arkansas at $29 monthly and the most expensive coverage in Maine at $61. For dogs, USAA provides the lowest monthly rate in Arkansas at $46 and the highest in Maine at $97.
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Pet Type:Dog
| Alabama | $55 | $665 |
| Alaska | $69 | $831 |
| Arizona | $84 | $1,008 |
| Arkansas | $46 | $551 |
| California | $94 | $1,133 |
| Colorado | $95 | $1,143 |
| Connecticut | $83 | $991 |
| Delaware | $72 | $865 |
| Florida | $80 | $955 |
| Georgia | $66 | $798 |
| Hawaii | $77 | $929 |
| Idaho | $69 | $825 |
| Illinois | $79 | $943 |
| Indiana | $66 | $787 |
| Iowa | $65 | $779 |
| Kansas | $64 | $769 |
| Kentucky | $61 | $737 |
| Louisiana | $60 | $718 |
| Maine | $97 | $1,167 |
| Maryland | $84 | $1,003 |
| Massachusetts | $95 | $1,138 |
| Michigan | $71 | $852 |
| Minnesota | $75 | $900 |
| Mississippi | $63 | $752 |
| Missouri | $59 | $709 |
| Montana | $61 | $729 |
| Nebraska | $60 | $724 |
| Nevada | $69 | $825 |
| New Hampshire | $86 | $1,031 |
| New Jersey | $80 | $956 |
| New Mexico | $64 | $763 |
| New York | $77 | $921 |
| North Carolina | $69 | $828 |
| North Dakota | $53 | $641 |
| Ohio | $72 | $861 |
| Oklahoma | $60 | $717 |
| Oregon | $96 | $1,154 |
| Pennsylvania | $82 | $980 |
| Rhode Island | $65 | $778 |
| South Carolina | $70 | $844 |
| South Dakota | $67 | $807 |
| Tennessee | $63 | $752 |
| Texas | $74 | $882 |
| Utah | $75 | $895 |
| Vermont | $68 | $815 |
| Virginia | $86 | $1,036 |
| Washington | $88 | $1,053 |
| West Virginia | $62 | $747 |
| Wisconsin | $78 | $939 |
| Wyoming | $66 | $797 |
USAA Pet Insurance Rates by Breed
USAA's pet insurance premiums change based on your pet's breed. Dog owners pay around $30 monthly for small mixed breeds under 20 pounds, while Bullmastiffs cost $141 per month. Cat premiums range from $40 for Domestic Shorthairs to $56 for Exotic Shorthairs. These price differences reflect each breed's health risks and veterinary needs.
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Pet Type:Dog
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Breed:Affenpinscher
| Affenpinscher | $60 | $720 |
Is USAA Pet Insurance Expensive?
USAA ranks 14th in affordability for cats and 12th for dogs, making it a moderate-cost option rather than the most affordable choice. Use the filterable table below to see how costs change based on your pet's age and preferred deductible, annual limit and reimbursement rate.
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Pet Type:Dog
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Pet Age Group:Middle Aged
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Deductible:$1,000
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Annual Limit:$10,000
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Reimbursement %:70%
| $52 | $628 | 29% |
USAA Pet Insurance Discounts
USAA provides pet insurance discounts to help reduce premium costs. The company offers savings for military members and a multi-pet discount when you insure multiple animals under one policy. These discounts can provide meaningful savings on your monthly premiums, making coverage more affordable for qualifying pet owners.
Multiple pet discount | 10% | Automatically applied if you insure two or more pets under the same policy |
Military discount | 5% | Available to active or former U.S. military service members (not available in NY or TN) |
USAA Pet Insurance Customer Service Reviews and Ratings
USAA ranks sixth nationally for customer service with both dogs and cats. The company maintains a strong Better Business Bureau rating and receives solid feedback on Trustpilot. Reddit users share mixed experiences with USAA's support team. Some customers praise the helpfulness of service representatives and quick response times. More users report frustrations with claim denials, slow processing times and difficulty resolving disputed claims.
USAA Trustpilot Reviews
USAA earns a 4.1 out of 5 rating on Trustpilot from verified customers who rate its service and claims handling. Most policyholders report positive experiences with USAA's coverage and support team. Trustpilot collects verified reviews to give consumers honest feedback about companies.
USAA Better Business Bureau Rating
USAA holds an A+ rating from the Better Business Bureau and maintains BBB Accredited Business status. The A+ grade is BBB's top rating, showing USAA meets its standards for trust and resolves customer complaints well. BBB accreditation requires companies to address customer issues and follow ethical business practices.
USAA Pet Insurance Reddit Sentiment
Reddit feedback for USAA shows mixed results. Our analysis of 21 comments found 29% were positive, with six favorable responses against 15 negative ones. Users who liked USAA praised quick customer service and clear policy language. Critics complained about claim denials and coverage gaps. These varied experiences highlight how different customers navigate USAA's claims process.
USAA Pet Insurance Coverage
USAA offers pet insurance coverage for dogs and cats. Pet owners can customize policies through various coverage levels and optional add-ons, allowing them to create plans that fit their budget and their pet's specific health requirements.
Deductibles | Annual deductible options from $200 to $1,000, depending on state |
Annual limits | Annual maximums available from $5,000 up to $30,000; no lifetime caps |
Reimbursement rates | 70%, 80%, or 90% reimbursement after deductible |
Accident-only plan | Fixed $100 deductible, 90% reimbursement, $5,000 annual max |
Accident & illness plan | Includes injuries, illnesses, diagnostics, surgery, prescriptions, hereditary and congenital conditions, behavioral treatments and alternative therapies |
Pre-existing conditions | Not covered; curable conditions may be considered after a waiting period if symptom-free |
Bilateral conditions | If one side is pre-existing, the opposite side may be excluded |
Waiting periods | 2 days for accidents, 14 days for illnesses, 6 months for orthopedic conditions (with option for reduction via vet exam) |
Enrollment restrictions | Full coverage available for pets 6 weeks to 14 years old; at 15+, only accident coverage is available; no breed exclusions |
*Coverage varies by state and policy terms. Always review your specific policy documents and consult your insurance provider to understand exact coverage terms, exclusions, limitations and waiting periods before enrollment.
MONEYGEEK EXPERT TIP
USAA reimburses actual veterinary costs rather than using benefit schedules or UCR limits (usual, customary and reasonable fees). You pay your vet upfront, then submit claims for reimbursement. Premiums can increase based on your pet's age, inflation or location. Increasing coverage levels may restart waiting periods, so adjust your policy carefully.
USAA Pet Insurance Coverage Add-Ons
USAA provides wellness add-ons that cover routine preventive care for pet owners seeking comprehensive coverage. These plans include services like dental cleanings, vaccinations and wellness exams. The wellness plans start immediately upon enrollment; no deductibles or waiting periods are required.
Wellness Rewards | Reimburses preventive and routine care such as exams, vaccinations, dental cleanings, grooming, behavior training, prescription diets and microchipping |
Allowance levels | Choose from $300, $450 or $650 per year, with an extra $25 credit added by USAA |
Plan changes | Can be added or increased midterm through the member portal, but back payments are required for previous months |
No per-item limits | Annual reimbursement is capped by allowance only, with no per-item restrictions |
Is USAA Pet Insurance Good: Bottom Line
USAA charges $73 monthly for dog coverage and $46 for cats on average. The company ranks sixth nationally for customer experience and maintains moderate ratings from third-party review platforms. Pet owners can select from accident-only plans, comprehensive accident and illness coverage, plus optional wellness add-ons for routine care expenses.
USAA Pet Insurance Review: FAQ
Find answers to common questions about USAA pet insurance coverage and policies below.
Is USAA pet insurance worth it in 2025?
USAA pet insurance provides decent value in 2025, excelling in customer experience where it ranks sixth nationally. The company also offers solid coverage options, ranking 10th for coverage quality. With average premiums of $73 monthly for dogs and $46 for cats, USAA presents a reasonable middle-ground option for pet owners seeking reliable service.
What do Reddit users really think about USAA pet insurance?
Reddit users show limited enthusiasm for USAA pet insurance. Only 29% of comments were positive, with six favorable reviews versus 15 negative ones. Users praise USAA's customer service responsiveness and helpful representatives. Common complaints focus on claim denials and lengthy reimbursement processes that frustrate policyholders seeking a quick resolution.
Does USAA cover pre-existing conditions for pets?
USAA excludes pre-existing conditions from coverage. The company makes an exception for curable conditions that remain symptom-free and treatment-free for 180 days before coverage begins. Chronic conditions and orthopedic issues like ligament or knee problems are permanently excluded from coverage.
Can I get a discount for insuring multiple pets with USAA?
Yes, USAA provides a 10% multiple pet discount when you insure two or more pets on the same policy. The company also offers additional savings through AAA membership, workplace benefit programs and military discounts for qualifying pet owners.
Is USAA pet insurance available in my state?
Yes, USAA pet insurance operates in all 50 states. Premium costs vary by location. Cat coverage starts at $29 monthly in Arkansas and reaches $61 in Maine. Dog insurance ranges from $46 per month in Arkansas to $97 in Maine, making location a key factor in your premium costs.
How We Rated USAA Pet Insurance
Pet insurance shopping feels overwhelming with so many options available. We analyzed how USAA performs across the following key areas:
Affordability (50% of score): We gathered premium data from various pet breeds, ages and plan options, incorporating available discounts to reflect actual costs pet owners pay.
Customer Experience (30% of score): This score draws from customer ratings and reviews posted on platforms like Trustpilot and Reddit to gauge real user satisfaction.
Coverage Options (20% of score): We assessed policy benefits, available add-ons and the breadth of protection offered to pet owners.
All quote comparisons used standardized parameters for a 6-year-old Labrador Retriever and 7-year-old Ragdoll with $500 deductible, $5,000 annual limit and 80% reimbursement rate.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Better Business Bureau. "Embrace Pet Insurance." Accessed October 15, 2025.
- Trustpilot. "Embrace Pet Insurance." Accessed October 15, 2025.