| Minimum Coverage | $5,000 |
| Maximum Coverage | $30,000 |
| Eligible Ages | All ages; over age 14 eligible for accident-only insurance |
| Eligible Animals | dogs; cats |
| # of Plan Options | two |
USAA pet insurance offers two plans: accident and illness and accident-only. Under the accident and illness plan, most essential veterinary services needed to treat injuries and illnesses are covered. This includes allergy conditions, cancer treatment, congenital conditions, MRIs, CT scans, ultrasounds and X-rays. Before customers can file a claim for their pets, they must wait for two weeks for illnesses, six months for orthopedic conditions and 48 hours for accidental injuries.
There is a 90% reimbursement rate, a $100 deductible and a coverage limit of $5,000 per year with accident-only coverage. Under this plan, only injuries are covered. Injuries associated with poisoning, foreign body ingestion, bloating, cuts and lacerations fall under this plan. Any dog over the age of 14 will automatically be enrolled in this type of protection plan. USAA pet insurance for older pets does not include illnesses.
USAA also extends a Wellness Rewards plan for coverage of preventive pet care. Policyholders can choose an annual limit of $250, $450 or $650. Funds left in your account at the end of the year are not refundable.
| BBB Rating | A+ |
| AM Best Rating | A++ |
| NAIC Complaint Index | 2.35 |
| Moody’s Rating | AA1 |
| JD Power Rating | 902 |
USAA pricing totals roughly $42.77 to insure a 2-year-old labrador retriever dog or a cat with benefits of 80% coverage, a $10,000 annual limit and a $500 deductible.
pet insurance company decides which injuries and illnesses are covered under each plan or policy option. You may see certain providers offer coverage for common genetic-related health issues such as eye disorders, while others exclude these conditions. Review your plan and become familiar with common illnesses your pet might suffer before you invest in protection.
The USAA pet insurance mobile app has a 4.5-star rating for its easy use and managing insurance policies and all other USAA services. Customers who take advantage of the mobile app save time and contribute to a more eco-friendly environment.
USAA vs Competitors
Compare USAA pet insurance with some of the other providers in the space like Spot, Lemonade and Pumpkin pet insurance.
get started
securely through USAA’s website
An endless number of insurance coverage plans give you protection and peace of mind, so why should it be any different for your pets? Pet insurance helps you recover medical costs for your pet the same way you would for yourself, your automobile or your home. For the most part, plans are affordable compared to the cost of medical emergency care and range from basic emergency coverage to comprehensive preventative and wellness care.
Best For
- Pets that need prescription drugs
- People who want to manage pet care costs
- Military members and eligible family with pets
- Traumatic injury coverage
- Protection for naturally occurring illnesses.
- Preventive care plans available
- Affordable
- Easy to use and manage
- Pre-existing conditions not covered
- Breeding and pregnancy not covered
- Cosmetic procedure not covered
get started
securely through Lemonade Pet’s website
Disclosure: Lemonade is currently available in the following states: Alabama, Arizona, Arkansas, California, Colorado, Connecticut, District Of Columbia, Georgia, Illinois, Indiana, Iowa, Maryland, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, and Wisconsin,
Top rated pet insurance
Lemonade offers easy-to-understand coverage options for dogs and cats. It’s even better for those who already have Lemonade renters or homeowners insurance as you get a discount for bundling your policies.
Insurance companies keep extra dollars for profit, but Lemonade is unique in that after it pays your claims and its expenses, it gives any remaining premiums to a charity that you choose when you sign up for a policy. You can select charities like the American Red Cross, the Trevor Project, and many pet-centric causes. The downside to Lemonade pet insurance is that you can only insure dogs and cats (not exotic animals).
Best For
- Those who want to bundle with their home policy
- Pet owners who prefer to buy and manage their policies online
- Pet owners who want to customize their pet’s policy
- Super customizable so you get everything your pet needs without paying for stuff you won’t use
- Discount for having Lemonade home or renters insurance
- Very high cap on annual limits
- Only offers coverage for dogs and cats
- Not available in all states
get started
securely through Spot Pet Insurance’s website
Prescription food and supplements
Spot Pet Insurance’s innovative approach provides user-friendly access to customizable coverage. Your dog or cat is covered without completing a medical exam. The policies cover veterinary bills, either partially or in full, when your pet goes in for a check-up or routine vaccination or needs care for injury, chronic illness or prescription coverage. Spot also covers implanting a microchip in your pet. You’ll also get 10% off of each additional pet you insure.
Best For
- Cats and dogs of all breeds, sizes and ages
- Insuring multiple pets
- Customizing an insurance plan
- Prescription food and supplements
- Multiple pet discount
- Covers prescription food and supplements
- No upper age limit for coverage enrollment
- 30-day money-back guarantee*
- More reimbursement options: 70%, 80% and 90%
- Doesn’t cover exotic pets
get a quote
securely through Pumpkin Pet Insurance’s website
Families with multiple pets
Pumpkin Pet Insurance offers traditional pet insurance as well as optional preventive care coverage at an additional cost. While Pumpkin does offer a wide range of coverage options, you’ll notice some limits to be aware of. All Pumpkin Pet Insurance plans have an annual coverage limit and all of its policies come with a high reimbursement rate.
Best For
- Families with pets who don’t expect their bills to go higher than Pumpkin’s coverage limits
- Families with multiple pets who can benefit from their discount for each additional pet’s policy
- No upper age limit
- Multiple pet discount
- An extensive list of covered procedures
- Plans only cover cats and dogs — no other pet types
Pet Insurance protects you from high veterinary bills incurred if your pet becomes sick or is injured. Certain types of pet insurance will also include protection for routine wellness checkups.
You might wonder how pet insurance works. Benzinga is here to explain. When you purchase pet insurance, review your terms of coverage, which details what is covered and what isn’t as well as coverage limitations. If your pet becomes sick or injured, you can take them to receive the care they need. You will be asked to pay your veterinary bill when your pet receives attention.
After you pay your bill, you can submit a claim with your insurance provider showing how much you spent on care costs. pet insurance company will review the bill and your coverage to determine whether you are eligible for benefits. If your claim falls within the boundaries of your policy, the pet insurance company will reimburse you accordingly.
In most cases, pet insurance has no network limitations so you can use it at any provider and get reimbursed, which is beneficial if you travel with your pet and need care when away from home. If you are traveling internationally, you may want to look into an international health certificate. Your pet insurance can offer savings on expenses for getting your pet vaccinated and records up to date.
Overall, USAA pet insurance is an excellent selection. Its partnership with Embrace is cost-effective even before the USAA discounts and is easily customizable. USAA goes above and beyond competitors in all coverage options. USAA’s insurance receives a 4 stars out of a possible 5-star rating.
Frequently Asked Questions
Is there an age limit on insurance for dogs or cats?
1
Is there an age limit on insurance for dogs or cats?
asked
Jim Vassallo
1
With the collaboration between USAA pet insurance and Embrace, dogs and cats of any age can be insured. Pets older than 14 are eligible for an accident-only policies. Once your pet is enrolled, coverage locks in for life. If your pet qualifies for complete accident and illness coverage at the time of enrollment, it will continue for as long as your pet remains insured. Your pet will never be dropped from coverage with Embrace because of its age, health status or claims.
Answer Link
answered
Benzinga
What is a pre-existing condition for pets?
1
What is a pre-existing condition for pets?
asked
Jim Vassallo
1
Pre-existing conditions can include chronic conditions that you or your vet observe before the end of your waiting period, illnesses or injuries that occur before the end of your waiting period and any other conditions you may have observed previously but didn’t have a vet diagnosis.
Answer Link
answered
Benzinga