About
As of August 12, 2025, PetSmart offers pet insurance in partnership with Healthy Paws. If you're already a fan of PetSmart, it might be worth a look. Just make sure to also check out Healthy Paws directly and compare other insurers to see which plan really works best for you and your pet.
Coverage Offered by PetSmart
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Price: |
Compare Quotes |
Deductible: |
$100, $250, $500, $750, or $1,000* |
Reimbursement: |
50%, 60%, 70%, 80%, or 90%* |
Annual Limit: |
Unlimited |
Accident Waiting Period: |
Varies by state (0 days or 15 days)** |
Illness Waiting Period: |
15 days** |
Orthopedic Waiting Period: |
Varies by state (30 days or 12 months); not available to pets enrolling at ages 6+** |
Accidents: |
Included |
Illnesses: |
Included |
Wellness: |
Excluded |
Dental Coverage: |
Limited Coverage |
Exam Fee Coverage: |
No |
Direct Vet Pay: |
Yes, with prior approval |
Claims Expiration: |
Within any time of the coverage period of your policy |
Claims Submission App: |
Yes |
PetSmart Accident and Illness Coverage
PetSmart offers accident and illness coverage through Healthy Paws, which is backed by Chubb. They offer one easy-to-understand pet insurance policy for dogs and cats. You can configure your reimbursement rate and deductible to fit your needs. There are no maximum annual or lifetime payouts. This policy does not cover routine, preventative, or wellness, and it is not available as an add-on.
Deductible Options*
$100, $250, $500, $750, or $1,000
Reimbursement Options*
50%, 60%, 70%, 80%, or 90%
Annual Limit Options
Unlimited
What’s Covered
Accidents
Alternative Treatments (FDA-Approved)
Cancer Coverage
Chronic Conditions
Congenital Conditions
Diagnostic Treatment
Emergency Care
Hereditary Conditions
Hospitalization
Illnesses
Prescription Medications
Specialty Care
Surgery
X-rays, Blood Tests, Ultrasounds
*Reimbursement and annual deductible options will vary depending on your pet's age and breed.
PetSmart Wellness Plan
PetSmart is partnered with Banfield Pet Hospital to offer routine and preventative care at select PetSmart locations. Banfield's Optimum Wellness Plan offers savings on veterinary services such as:
Vaccinations
General Surgery
General Dentistry
Geriatric and Pediatric Care
Microchipping
Skin Care and Parasite Control
Nutrition and Behavior Consultation
Digital Radiography
In-house and Online Pharmacies
Year-round Preventive Care
Policy Exclusions
The coverage provided by PetSmart through Healthy Paws Pet Insurance will not pay for costs associated with or resulting from the following:
Pre-Existing Conditions**
Veterinary Examination and Preventative Care
Office visit fee
Veterinary examination fees
Spaying and neutering
Preventive healthcare (vaccinations, titer test)
Flea control
Heartworm medication
Deworming
Nail trim and grooming
Parasite control
Dental health care (excluding injury to teeth caused by accidents)
Bilateral Conditions
Including pre-existing cruciate ligament problems in one leg affecting the cost of future treatment for the other leg
Elective Procedures
Cosmetic procedures
Tail docking
Ear cropping
Declawing
Micro-chipping
Dew claw removal
Ear cleaning
Age-related Exclusions
For pets 6 years of age or greater on the date of enrollment, no coverage for illness related to hip dysplasia
Activity-related Conditions
Conditions arising from a specific activity if the same or a similar activity occurred prior to the pet policy effective date and displayed the propensity for the activity to recur and cause injury or illness to your pet
Preventive Healthcare Implementation
Claims arising from the lack of use and/or implementation of preventive healthcare products and/or methods when such products and/or methods would be per generally accepted veterinary standards
Routine healthcare includes vaccinations, spay and neuter, flea control, heartworm medication, deworming, dental care, ear plucking, grooming, and prudent regular care
Breeding-related Conditions
Breeding or conditions relating to breeding, whelping, and queening
**A pre-existing condition means that the condition first occurred or showed clinical symptoms before your pet’s coverage started (or during waiting periods). The Healthy Paws pet insurance plan protects you against future conditions. See a sample policy for a complete list of exclusions.
Requirements of Policy Holders
The waiting period varies by state, see a sample policy for more information
Pet must be enrolled before the age of 6 years old for hip dysplasia coverage
The minimum enrollment age is 8 weeks, maximum enrollment age is 14 years***
In some states, your pet must have undergone a complete clinical examination within a defined time period prior to or shortly after enrollment – see your state-specific policy for details
*** The maximum enrollment age may differ for some states.
Claims
You can use any licensed veterinarian in the U.S. or Canada and submit your claims directly to the Healthy Paws mobile app. Alternatively, you can fax, mail, email, or submit your claim form on the website with the invoice(s) at any time of the coverage period of your policy. Please note that medical records may be required to complete your pet’s first claim.
Direct deposit option for receiving reimbursements
Most claims are processed within 2 days
Offers direct vet pay on a claim-by-claim basis with prior approval
Customer Support
PetSmart Customer Service Hours
7 days a week: 8 am - 10 pm ET
PetSmart Customer Service Contact Information
Phone: 888-839-9638
Healthy Paws Customer Service Hours
Monday - Friday: 7 am - 5 pm PT
Saturday: 8 am - 5 pm PT
Healthy Paws Contact Information
Phone: 1-855-898-8991
Email: [email protected]
Other: 24/7 Chat
How to Cancel PetSmart Pet Insurance
To cancel a Healthy Paws Pet Insurance policy you made through PetSmart, you can submit a cancellation request with Healthy Paws via fax, mail, email, or phone.
Does PetSmart Pet Insurance Have a Money-Back Guarantee?
If you haven’t submitted a claim with Healthy Paws, you will receive a full refund when you cancel during the first 30 days of your policy.
Compare
Compare PetSmart Against Other Pet Insurance Companies
Since PetSmart offers insurance through the Healthy Paws, you can browse our Healthy Paws comparison articles. You can also get a free quote for more personalized recommendations.
Interested in learning more about the specifics of cat or dog insurance? Read our guides on pet insurance for more information:
Our PetSmart Pet Insurance Review
Enrolling in Healthy Paws through PetSmart might be a good option for PetSmart shoppers who already trust the quality of products and services. It's backed by an established insurer, offering comprehensive accident and illness protection for dogs and cats. However, there don't appear to be any special benefits or perks that come from enrolling through PetSmart. If you're not sure if it's the right option for you, though, we recommend comparing quotes from multiple insurers to see which plan is.
