USAA Pet Insurance (Review and Questions Asked)
USAA Pet Insurance: Are you a pet owner in search of an insurance company for your pet. Then this article is just for you. This article will give you a broad overview of USAA pet insurance and everything else you need to know about them.
About USAA Pet Insurance
USAA Pet Insurance is one of several products and services offered by the United Services Automobile Association (USAA).
The USAA is an organization that has been providing loans, insurance policies, and similar financial products to military personnel and their family since 1922.
USAA Pet Insurance is available not just to members in the U.S. but also to members on active duty and who are stationed abroad or deployed.
They don’t personally administer pet insurance but instead offer policies to members through Embrace Pet Insurance Agency, LLC.
Although USAA won’t administer your pet insurance policy directly, you can still bundle coverage with other USAA insurance policies, including auto insurance, renters and homeowners coverage, personal property insurance, flood insurance, small business insurance, and more.
Benefits of USAA Pet Insurance
There are many advantages of getting your pet insurance through USAA, including:
- Discounted coverage for military members
- Flexibility in coverage options
- Easy claims filing
- Option to add wellness rewards
- Bundle homeowners, banking, and pet insurance – 15% discount
- Wellness plans available
- Choose up to 90% reimbursement
- Hereditary and Congenital conditions offered
- Up to $650 allowance for dental care
Downsides of USAA Pet Insurance
The biggest downside of USAA pet insurance is that you can’t access coverage unless you’re a USAA member. Since membership is limited to military members and their families, only a limited number of people will be eligible.
USAA also doesn’t offer unlimited coverage as an option, so you’ll always be subject to annual caps on reimbursement.
Some other companies do provide unlimited coverage, which can be important if your pet needs expensive treatments. Further, USAA does not offer coverage for pre-existing conditions.
The single most-filed claim with USAA pet insurance is for allergies and dermatological issues, but your policy can cover much more serious conditions.
You’ll have the flexibility of choosing the kind of coverage you want with this pet insurance company, as well as your deductible and reimbursement options.
However, there is a 14-day waiting period before illnesses are covered, as well as a waiting period ranging from 48 hours to 14 days for accidents depending on where you live.
There’s also a six-month waiting period applicable to insurance coverage for orthopedic problems in dogs and cats, although this can be reduced to 14 days if you follow a waiver process and get an orthopedic exam for your pet.
What Does USAA Pet Insurance Cover?
USAA promises to “help protect your furriest friends from head to tail.” To that end, you have the option to secure a very comprehensive plan. Medical coverage for pets includes:
- Coverage for breed-specific conditions
- Treatment for both chronic and congenital conditions
- Cancer treatment
- Diagnostic testing and imaging
- Specialist care
- ER visits and emergency room care
- Surgery and hospitalization
- Nursing care
- Behavioral therapy
- Prescription drugs
- Alternative therapy and rehabilitation
What is the Cost of USSA Pet Insurance?
USAA pet insurance costs vary depending on the policy. Accident-only policies cost less than more comprehensive coverage that reimburses pet owners for both accidents and injuries. The age of your pet, whether your pet is a cat or dog, and your pet’s breed can also affect premium prices.
Monthly premiums vary, but available discounts include:
- Automatic 15% discount for USAA members
- 5% discount for insuring multiple pets
- 5% discount for active-duty military
This means you could save up to 25% on your coverage when you buy through USAA.
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Where Is USAA Pet Insurance Available?
USAA Pet Insurance is available to USAA members throughout the United States. As well as to members who are active-duty military and stationed abroad.
Why get insurance for your dog or cat?
In a few words: Veterinary care can be expensive. Let’s look at the average vet bill for Max or Daisy.
- If Max or Daisy ingests some poison, expect to shell out around $450.
- Treatment for heat stroke can cost you more than $900.
- For nearly $800, you can get your vet to remove that toy your furry family member swallowed.
- Surgery can run into thousands of dollars.
Are you ready for these expenses? They’re here to help keep you and your dog or cat smiling when you leave the vet.
Why choose USAA Insurance Agency to help to Protect your Pet?
- Coverage Plans: Choose deductible and reimbursement options to fit your needs, and get up to 90% back on your bill from any vet’s office.
- Accepted Everywhere: Get comprehensive plans that can help protect your dog or cat even when you’re deployed overseas.
- How It Works: Pay for the vet visit, submit a claim, and get reimbursed within five days of submitting the required documents.
Medical Coverage for Dogs and Cats Includes:
- Breed-specific conditions
- Emergency room and specialist care
- Cancer treatment
- Surgery, hospitalization, and nursing care
- Chronic conditions
- Alternative therapies and rehabilitation
- Congenital conditions
- Prescription drugs
- Diagnostic testing and imaging
- Behavioral therapy
Claims
According to the USAA’s website, claims are completed quickly, with claims being reimbursed 72 hours after submission of all necessary claims.
However, some customers have occasionally complained that claim processing was slower than they would have liked and that it required additional documentation.
USAA Customer Service
One of the things about USAA Pet Insurance that customers really like is their excellent customer service and availability to customers.
USAA members contemplating getting USAA pet insurance can log into their accounts online and get free quotes on different policies within minutes.
If they have any questions, they can log into the site, contact USAA by phone or connect with them through Twitter.
Point Centered
If you’re eligible for USAA pet insurance because you’re a USAA member, this insurance coverage is a great option. It’s affordable and you have flexibility in customizing a policy to suit your needs.
Just be aware there’s no option for unlimited coverage, so if you want to ensure your pet’s care will be paid for even if it’s extremely expensive, you may need to look elsewhere.