The exclusive connection USAA has formed with Embrace enables the company to provide its members with a discount of 15% on a pet insurance policy. In 1922, a group of 25 Army officers began insuring each other's automobiles, which led to the establishment of USAA. This organization presently provides services to millions of members of the armed forces community. Although USAA does not provide pet insurance on its own, the company has been collaborating with Embrace since 2014 to provide its members with coverage for their dogs and cats at a reduced cost. To be eligible for membership in USAA, one must be a current or former member of the United States armed forces, a pre-commissioned officer, or the spouse or child of a current or former member of the armed forces.

Although Embrace was established in 2003 (when it was announced that Embrace had won the 2003 Wharton Business Plan Competition), the company didn't publish its first insurance policy until 2006. The Embrace program makes it possible for USAA members and non-members alike to submit an application for pet insurance in each of the 50 states in the United States.

Pros

• You may use a computer or a mobile device, such as a smartphone, to access your MyEmbrace account and manage the policy for your pet online. It is simple to make changes to your coverage, get assistance in an emergency, and file claims.
• Members of USAA are eligible for a discount of 15% off their pet insurance policy; individuals who insure several dogs or are either now serving or have previously served in active duty military are eligible for additional savings of 10% for a maximum discount of 25% off.
• Embrace, in conjunction with USAA, like all other pet insurance providers, does not cover pre-existing illnesses.

Cons

• If you want to be sure that the pre-existing problems of your pet are correctly recognized, you will need to seek a free medical evaluation. However, it is completely voluntary and open to anybody.
• The fact that USAA does not actually serve its own pet insurance policies may surprise some of its members. Instead, USAA's partner Embrace manages the pet insurance plans.
• Unfortunately, this insurance coverage does not cover specialized diets or supplements, which may be rather costly on their own.

Available Plans

You can purchase either an accident-only plan or a plan that covers accidents and illnesses, thanks to USAA's agreement with Embrace. Accident-only coverage is available for canines and felines older than 14, but they are not eligible for the accident and sickness plan.

Waiting Periods

Before beginning to provide coverage, most pet insurance plans need a waiting period. Waiting periods are included in all of Embrace's brand-new pet insurance plans, and these waiting periods start from the moment the policy goes into effect.

Cancellation Policy

Suppose you cancel your policy within the first thirty days after it was effective. In that case, you are eligible for a full refund, provided that you did not submit any claims or receive any payments for them during that period. Requests for refunds made after 30 days or within 30 days after a claim is paid out in full may still be eligible for a proportionally less return.

Exceptions to the Plan

The following concerns are not addressed by the insurance products provided by Embrace that USAA members may be eligible for.

• Conditiones préexistentes
• Incubation of young, breeding, and pregnancy
• Injuries that were intentionally caused by a member of the household, whether human or animal;
• There is insufficient evidence to support the need for DNA testing, cloning, or stem cell treatment.

The Pricing Plan

You may get insurance via the Embrace program offered by USAA for as low as one dollar per day. Your monthly premium. You may obtain a quotation online. Members of USAA are eligible for a discount of 15% off their pet insurance coverage. Members who insure several dogs or are either now serving or have previously served in active duty military are eligible for additional savings, up to a maximum discount of 25%.

You can choose both your deductible and your reimbursement amount, both of which have the potential to influence the premium. The annual deductibles may vary from $200 to $1,000, and reimbursement can be made at 70%, 80%, or 90% of the original cost. If you go a whole year without making a claim, your yearly deductible will go down by $50. The yearly coverage limit is between $5,000 and $30,000, but the maximum lifetime benefits are not capped.