USAA Pet Insurance:Review and Questions Asked… Are you a pet owner? in search for an insurance company for your pet. Then this article is just for you.
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 have 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 doesn’t personally administer pet insurance but instead offers 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 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
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.
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 the thousands of dollars.
Are you ready for these expenses? There’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?
USAA works with a leading pet insurance company to ensure you give your pets the medical care they need with a combination of pricing and service you’ve come to expect as a USAA member.
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:
Emergency room and specialist care
Surgery, hospitalization and nursing care
Alternative therapies and rehabilitation
Diagnostic testing and imaging
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.
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.