Home > Insurance

USAA Pet Insurance Review

Last modified: Sep 29, 2022

Overall Raiting: 8.8
Get a Deal
Financial Strength: A++
BBB Rating: A+
Coverages: 5/5
Discounts: 5/5
Support: Phone, email, website
User Ratings: Trustpilot Rating: 3.7
Pricing: Affordable
Availability: USAA Pet Insurance offers coverage through the US.

USAA is a well-known name in the world of insurance. They have a proven track record when it comes to home and car insurance - but what about pet insurance? According to numerous USAA Pet Insurance Reviews online, this insurance provider offers a lot of unique coverages, attractive discounts, and more. To help you understand their offer better, we analyzed their reviews, compared them with competitors, and explored all coverages in detail.

Intro - About USAA Pet Insurance 

The USAA Pet Insurance company offers pet owners the chance to ensure their pet is always protected and supported. The USAA company is a leading insurance provider offering different types of insurances, including pet insurance. USAA Pet Insurance reviews show that they have helped thousands of pet owners keep up with their pets' medical bills. You can find more about them by calling the USAA Insurance phone number 210-531-USAA (8722). 

How We Reviewed 

Our USAA Pet Insurance review method is designed to make sure that you know everything you need to decide about buying the policy. Here is our method of reviewing: 

  1. Types of bills and incidents that are covered or not covered 
  2. Restrictions involved
  3. Reimbursement percentages
  4. Pricing and discounts

Where Is It Available

USAA Pet Insurance offers coverage through the US. You get special coverage if you are on active duty in the military and stationed abroad. With 12.8 million users and 34,000 employees working worldwide, you can be assured that you will get great service. The headquarters of the company is in San Antonio. 

Pet Insurance Review

Types of Coverage 

USAA Pet Insurance offers a comprehensive plan for coverage. You can choose through many reimbursement and deductible options according to your needs. You may get 90% of your costs back after visiting any vet in the country or wherever else USAA Pet Insurance is available. USAA Pet Insurance coverage is primarily for cats and dogs, with no other pets accounted for. USAA dog breed restrictions do not exist, so you can sign up with any breed! 

What's Covered and Not Covered

What does USAA Pet Insurance cover? Well, they have a comprehensive plan that can keep your pets safe and healthy. Here is everything that is covered under the plan:

There are some exclusions in their policy plan, like with most insurance companies. They don't offer coverage for: 

USAA Pet Insurance waiting period exists to prevent fraud. All waiting periods for procedures start when your policy comes into effect. The following conditions have waiting periods:

USAA Pet Insurance Pricing 

The USAA Pet Insurance rates for the basic plan can cost as low as $16 a month for dogs and $9 a month for cats. The cost is dependent on the reimbursement and deductible options you select. You may be able to reduce your cost further if you get one of the many discounts offered by the company. How much is USAA Pet Insurance pay? Unlike some pet companies, they don't have unlimited coverage, so you should keep that in mind when you make your decision. 

USAA Pet Insurance Discounts and Features

If you are a member of the USAA, you can take advantage of the 15% discount for full pet coverage. You can even get an additional 5% discount for the following: 

  1. Military Discount For Pet Insurance
  2. Discount Pet On Spaying/Neutering
  3. Multiple-Pet Discount
  4. Predictive Testing 
  5. Paying The Annual Premium In Full 

That's right; if you are eligible for all the five factors above, you can get an additional 25% discount plus the 15% for being a member of the USAA. This makes this policy one of the cheapest ones in the market. 

Customer Satisfaction and Financial Strength Review

USAA definitely has a great reputation in the market. USAA Insurance reviews on BBB are actively responded to despite not be accredited by the Better Business Bureau. All USAA insurance complaints on the website have been addressed promptly with ready solutions to ease the customers. The USAA insurance rating AM best is A++ and is known for its financial strength with millions of users signed up for their different insurance plans. 

Here are some reviews and ratings: 

Ease of Buying 

The purchasing process is quite straightforward. You can make an account on the website, log in, find a financial representative, and they will guide you through the process. You should know that USAA Pet Insurance does not have any third-party affiliates or sellers, so make sure not to buy the insurance from anywhere but through the company. 


To file for a USAA insurance claim, you need to log into your online account and then select the option for the claim at the top of the screen. You have fill out the USAA Pet Insurance claim form with all the required details . After submitting, a representative will contact you and give you a USAA insurance claim number. You can use that to keep track of the USAA insurance claim status

The USAA insurance claim payout is based on the reimbursement methods. You visit the vet and payout of your pocket. Then you login to your account to submit your claim, and the company pays you back for your visit to any vet, emergency hospital, or specialist of your choosing. The average turnaround time for claims is five days. 

Customer Support 

You can reach out to customer representatives through the phone, chat with a virtual agent on their website, or send a message after logging into your online account. Our USAA Pet Insurance review found their customer service team to be quite responsive. All review websites have positive reviews of their quick response times and active solutions to any complaints by customers. 

USAA insurance customer service team can help you with many functions to ensure you get the most out of your policy plan. They can help you with online billing, filling claims, filling forms, changing coverage options, and much more. All representatives are quite patient and courteous, according to many user reviews. 

The USSA insurance customer service number is 800-531-USAA (8722) and 210-531-USAA (8722). Feel free to call them up at any time. 

Comparison with Competitors

Here are some quick comparisons with USAA biggest competitors: 

  1. Usaa Pet Insurance vs Healthy Paws Pet Insurance: Healthy Paws does not have coverage for vet exam fees while USAA does. 
  2. Usaa Pet Insurance vs Figo Pet Insurance: Figo does not cover accidents, while USAA has a comprehensive plan for accident coverage even though it comes with a 14 day waiting period. 
  3. Usaa Pet Insurance vs Aspca Pet Insurance: Both don't have unlimited coverage, but Aspca is known for bad customer service, while USAA is renowned for its customer service team.
  4. Usaa Pet Insurance vs Nationwide Pet Insurance: Nationwide can be quite expensive while USAA Pet Insurance offers extensive discounts and packages


  • You can go to any licensed vet, specialist, or emergency hospital
  • Choose from accident and illness, accident-only, and wellness coverage
  • Plenty of discount packages available
  • Flexible policy for pre-existing conditions
  • Only available to members of the USAA
  • Doesn't offer unlimited coverage

USAA Pet Insurance can help you keep your pet healthy and safe from harm. According to USAA pet insurance reviews, this provider indeed offers decent coverage for your fur babies, complemented with affordable pricing. The only ''downside'' is that you need to be a USAA member in order to enroll to buy pet insurance.


Does insurance cover allergies?

No, it does not.

Does insurance cover medications?

Yes, they do have a coverage plan for medications.

How to cancel pet insurance?

You can call customer service numbers or login to your online account to cancel the policy.

Are there any breed restrictions?

No, there are no breed restrictions. 

Is cancer treatment covered?

Yes, if the cancer is diagnosed after the policy goes into effect.

Policy Advice is a website devoted to helping everyday people make, save, and grow money. While our team is comprised of personal finance pros with various areas of expertise, nothing can replace professional financial, tax, or legal advice.

Policy Advice is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com.Policy Advice is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to Amazon.com

Stay In Touch


About Website

© Copyright 2022 PolicyAdvice.net. All rights reserved.