How PetSmart and Healthy Paws Are Helping Make Pet Insurance More Affordable

Vet bills have climbed steadily in recent years. The average monthly premium is about $62 for dogs and $32 for cats, which means coverage can be a significant line item in a household budget. To make it a bit more affordable, PetSmart has expanded its partnership with Healthy Paws, an accident-and-illness pet insurer backed by Chubb, to offer PetSmart Treats Rewards members a 10% discount on new eligible Healthy Paws policies in 44 states.

The Healthy Paws Discount

The new offer is designed forPetSmart Treats Rewards members who are interested in pet insurance but hesitant about the cost. In 44 states*, members can receive 10% off eligible new policies for dogs and cats. The process is simple: Just log in, click PetSmart’s Healthy Paws link, choose your coverage, and enroll. (Your discount is built in.) Availability depends on your state, so it’s important to check eligibility and the specific terms before you buy.

What Healthy Paws Covers (and What It Doesn’t)

Healthy Paws covers eligible accidents and illnesses, including hereditary and chronic conditions, cancer care, and emergency or specialty treatment, with coverage terms that may not include annual or lifetime payout caps. Policyholders could submit claims through a mobile app by snapping a photo of their vet bill and uploading it.

Healthy Paws also offers 24/7 virtual veterinary support through partners like Airvet, which can help with those anxiety-inducing questions that spring up in the middle of the night. As with most pet insurers, pre-existing conditions and routine wellness care are excluded, so this coverage is primarily designed to protect against unexpected medical events.

How This Fits Into the Bigger Pet Insurance Picture

Pet insurance is not a one-size-fits-all decision. Some owners prefer to self-fund future vet care with a dedicated savings account, while others want the predictability of monthly premiums in exchange for help covering high-cost emergencies or serious illnesses. Industry data shows more pet owners are choosing insurance as vet care grows more sophisticated and expensive, especially for advanced diagnostics and treatments.

Healthy Paws sits in the accident-and-illness category, which tends to cost more than accident-only plans, but usually offers broader protection. The added 10% discount for eligible PetSmart Treats Rewards members doesn’t change the underlying math of whether insurance is right for your household, but it can make a policy more competitive if you were already considering this type of coverage.

Is This PetSmart–Healthy Paws Offer Worth a Look?

If you’re comparing pet insurance options, the PetSmart–Healthy Paws partnership is most appealing if you want straightforward accident-and-illness coverage with fewer payout limitations and you’re already a Treats Rewards member in a participating state. Healthy Paws’ focus on comprehensive medical events (rather than wellness add-ons), its backing by Chubb, and features like mobile claims and 24/7 virtual veterinary support stand out if you’re primarily worried about large, unexpected vet bills. For many pet parents, it could be a useful way to lower the cost of coverage.

 

Sponsored by Healthy Paws

Healthy Paws Disclaimers:

PetSmart is a trademark of PetSmart, Inc. Airvet is a trademark of Airvet, Inc. Any third-party trademarks mentioned on this page are the property of their respective owners.

*Discount not available in CA, FL, MN, NY, TN, or WA.

Plan coverage varies based on the age of the pet at enrollment and the deductible and reimbursement levels chosen at enrollment. Exclusions and restrictions apply. All descriptions or highlights of the insurance being provided are for general information purposes only, do not address state-specific notice or other requirements and do not amend, alter or modify the actual terms or conditions of an insurance policy. Please refer to the terms and conditions of the policy, which set forth the scope of insurance being provided and address relevant state requirements.

Healthy Paws, a Chubb Company, is the marketing name used to refer to the pet insurance products underwritten and provided by ACE American Insurance Company, Westchester Fire Insurance Company, Indemnity Insurance Company of North America, ACE Property and Casualty Insurance Company and Atlantic Employers Insurance Company and one or more of their U.S. based Chubb underwriting company affiliates. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit their website at www.chubb.com. This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. These pet insurance products are offered through Chubb Insurance Solutions Agency, Inc. (CISA) (California license no. 0D12120). Surplus lines insurance sold only through licensed surplus lines producers. Chubb, 202 Hall's Mill Road, Whitehouse Station, NJ 08889-1600.

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