What pet insurance does vca accept

• Breed-specific conditions
• Emergency room and specialist care
• Cancer treatment
• Surgery, hospitalization and nursing care
• Chronic conditions
• Complementary therapies and rehabilitation4
• Congenital conditions
• Prescription drugs
• Diagnostic testing and imaging
• Behavioral therapy

• Pre-existing conditions
• Breeding, whelping and pregnancy
• Injury caused deliberately by you or any other person or pet residing in your home
• Injury or illness resulting from fighting, racing, cruelty or neglect
• Cosmetic procedures, such as tail docking, ear cropping and dew claw removal, unless medically necessary
• DNA testing or cloning
• Stem cell therapy not deemed medically necessary

• Breed-specific conditions
• Emergency room and specialist care
• Cancer treatment
• Surgery, hospitalization and nursing care
• Chronic conditions
• Complementary therapies and rehabilitation4
• Congenital conditions
• Prescription drugs
• Diagnostic testing and imaging
• Behavioral therapy

• Pre-existing conditions
• Breeding, whelping and pregnancy
• Injury caused deliberately by you or any other person or pet residing in your home
• Injury or illness resulting from fighting, racing, cruelty or neglect
• Cosmetic procedures, such as tail docking, ear cropping and dew claw removal, unless medically necessary
• DNA testing or cloning
• Stem cell therapy not deemed medically necessary

Embrace's Wellness Rewards5 provides a flexible preventive care plan that helps with your pet's routine care costs. Add it to any insurance policy and get reimbursed for:

• Vaccinations and titers
• Spay or neuter surgery
• Flea, tick and heartworm treatment
• Microchipping
• Routine blood work
• Grooming and training

1. Whether you're at home or traveling, you can take your pet to any licensed vet, emergency room or rehab facility.

2. Ask your vet for an itemized invoice with the total amount you pay for each pet, including discounts and taxes.

3. Provide the details of your visit, including diagnosis, date and total invoice amount. You can apply online or send the form found in your MyEmbrace account via fax or mail.

4. Log on to your MyEmbrace account to track your claim online. An adjuster will review your claim and contact you if they need more information.

5. After your claim is approved, Embrace can deposit the money into your U.S. bank account within two business days. It can take up to 10 business days to get a check in the mail.

Whether you're on your computer or on the go, log on to your MyEmbrace account or download the free Embrace app for iOS and Android to manage your pet's policy.

Update Coverage

Need to change your pet's coverage or add a pet? No problem. Update your policy and view or download documents at your convenience.

Get PawSupport6

Pet emergencies don't wait for normal vet hours. With your Embrace coverage, Pet Pros are available around the clock to guide you through your pet's health situation and help you decide if and how soon you should see a vet.

Submit Claims 24/7

Submitting your claim online is the easiest and fastest way to get reimbursed for your vet bills.

Get the MyEmbrace App

Use MemberShop®7 to stock up on everything your pet needs and earn rewards on every purchase. Explore more than 950 stores including PETCO®, BarkBox and Walmart.

Is there an age limit on insurance for dogs or cats?

Embrace insures dogs and cats of any age. If the pet is older than 14, they're eligible for an accident-only policy.

Once you're signed up, coverage locks in for life. If your pet is eligible for full accident and illness coverage when enrolling, that will continue for as long as your pet remains insured. Embrace will never drop your pet or reduce their coverage based on age, health status or claims.

Is there a waiting period after I get a pet insurance policy?

All new policies require waiting periods to prevent fraud. They start on the date your pet's policy becomes effective. The policy doesn't cover accidents and illnesses either occurring or diagnosed during the following waiting periods:

• Illnesses — 14 days

• Accidents — 48 hours

• Orthopedic conditions — Six months (Applies only to dogs. An orthopedic exam and waiver process can shorten it to 14 days.)

What's a pre-existing condition?

Pre-existing conditions can be:

• Chronic conditions you or your veterinarian observe prior to the end of your waiting period.
• Illnesses or injuries that occur before the end of your waiting period.
• Other conditions you may have previously observed but didn't have a veterinarian diagnose.

Pre-existing conditions aren't covered.

If you'd like, you can request a medical history review. A claims adjuster can look at your pet's medical records to let you know what conditions — if any — are considered pre-existing. It's important to note that Embrace doesn't automatically perform a review. You must request one. However, it's free and available to anyone with a policy.

Embrace does distinguish between curable and incurable pre-existing conditions. Examples of incurable pre-existing conditions include diabetes and allergies. Curable pre-existing conditions include ear infections and undiagnosed vomiting or diarrhea. Since these issues are curable, they could be covered moving forward if the pet goes 12 months without symptoms.

Why send me to another website for pet insurance?

We want the best for you, even if that means referring you to another insurance company. We've worked with Embrace since 2014 and their dedicated teams are ready to help make sure USAA members get a great mix of pricing and service.

Representatives are ready to help. Call the Embrace Customer Care Team at 800-660-2386 or email .