USAA rating: 4.4 out of 5 stars USAA has been offering pet insurance through Embrace since 2014. USAA’s pet insurance rates are well below the average of all the insurers for which we collected cost data. The company also offers generous discounts, such as 15% off for current USAA customers and savings for military members, as well as for members with service dogs or multiple pets. Learn more: The best pet insurance companies USAA pet insurance pros and cons Pros Unlimited annual coverage option ...