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Pet Insurance underwritten and provided by Healthy Paws, a Chubb Company and certain licensed Chubb underwriting company affiliates.
What matters most, protected
They depend on you, so choose the pet insurance plan that half a million pet parents already trust for coverage.
Healthy Paws includes unlimited, 24/7 virtual vet visits through Airvet with every accident & illness policy–so expert help is always just a tap away.
Healthy Paws can also arrange to direct-pay your vet your reimbursable benefit before services are performed–so you can say yes to life-saving treatment when funds are tight.
What’s covered?
Any licensed vet
Visit any licensed vet, specialist or emergency clinic in the U.S. (or Canada if you are temporarily traveling there). No networks, no restrictions.
Airvet virtual vet care
When you enroll with Healthy Paws, you’ll get unlimited 24/7 access to virtual vet care through the Airvet app.
Accidents & sudden illnesses
Swallowed something? Limping? Not themselves? We cover the unexpected, so you don’t have to guess.*
Surgeries & hospital stays
Bills pile up fast. That's why we help with the big stuff, like surgeries, emergency care and overnight stays.
Chronic conditions
We’re here when care becomes part of everyday life, from allergies and diabetes to everything in between.
Diagnostic, labs & meds
We also cover tests, scans and x-rays and prescription medications, so you don't have to fret the small stuff.
Breed-specific issues
From hip dysplasia to heart disease and kidney trouble, we cover conditions common to your pet’s breed.
Holistic & alternative care
From acupuncture to rehab and physical therapy, we support every path to feeling better.
Airvet virtual vet care - included with your policy
When you enroll with Healthy Paws, you’ll get unlimited 24/7 access to virtual vet care through the Airvet app. Connect with licensed vets anytime, anywhere — for anything from late-night worries to everyday questions. Skip the stress (and cost) of unnecessary clinic visits and enjoy peace of mind knowing expert help is always just a tap away.
Sit, stay-we'll do the rest. Get a quick pet insurance quote.
Now offering two ways to reimburse your pet’s claims
File your claim right from the Healthy Paws App on your phone, or from our Customer Center. Just snap submit and get paid – most claims are processed and paid within two days.
When funds are critical, the Healthy Paws Direct Pay team can also arrange to pay your reimbursable benefit directly to your vet, making it easier to say yes to life-saving treatments.
Frequently Asked Questions
If all this talk about coverage and claims has your head tilting to the side, don’t worry. We’ve rounded up answers to our customers’ most commonly-asked questions.
Pet insurance can be beneficial in many situations. It can help pet parents avoid the heartbreaking decision of choosing between what they can afford and lifesaving treatment for their pet. Medical emergencies and injuries can happen to a pet at any age; getting pet insurance while your pet is young and healthy can help ensure that future ailments can be covered rather than risking being excluded as pre-existing conditions, subject to the policy’s terms and conditions.
Reimbursements are based on your actual veterinary bills and the policy options you selected, including your reimbursement rate, annual deductible, and annual coverage limit.
For example:
Say you have a policy with a $250 annual deductible, an 80% reimbursement rate, and a $5,000 annual limit:
- You get a vet bill for $1,200 in covered treatments
- 80% of 1,200 = $960
- $960 minus your $250 annual deductible = $710
- You are reimbursed $710 for that bill, and have $4,290 left on your annual coverage limit
For your next bill, you would be reimbursed a full 80% for covered treatments, up to the $4,290 that remains on your annual limit. (Your pet's deductible is annual, meaning it must be satisfied only once per policy term and resets on the anniversary of your pet's enrollment.)
If a claim is approved, any reimbursement due will be issued on average within 2 business days – by mailed check or direct deposit (enroll in the Customer Center). You can also contact Healthy Paws to arrange to have your reimbursement paid directly to your vet before services are performed.
You may use any licensed veterinarian in the United States or while traveling in Canada. This includes emergency vets and veterinary specialists.
* Healthy Paws pet insurance covers treatment for new accidents or illnesses except pre-existing conditions. Other exclusions may apply.
** The claim scenarios described here are intended to show the types of situations that may result in claims. These scenarios should not be compared to any other claim. Whether or to what extent a particular loss is covered depends on the facts and circumstances of the loss, the terms and conditions of the policy as issued, and applicable law. Insureds providing testimonials have not received compensation for their statements.
*** Discounts apply to new policies only. Discount eligibility varies by policyholder’s state. The 10% discount is not available in California, New York, Tennessee, and Washington. “New policies” refers to new Healthy Paws accounts quoted and enrolled through PetSmart’s Treats Rewards unique URL link only.
PetSmart is not an insurance provider. Pet Insurance underwritten and provided by Healthy Paws, a Chubb Company and certain licensed Chubb underwriting company affiliates.
If you choose to click on the link provided to buy insurance, PetSmart may receive compensation relating to product visibility. PetSmart is not a licensed insurance agent and does not receive compensation or commission from the sale of insurance. For questions related to whether this insurance is right for you, please contact Healthy Paws.