PetSmart dog insurance
Looking at PetSmart dog insurance? It helps to know that PetSmart doesn't write its own policy: it sells Healthy Paws's, with a discount for PetSmart customers. So the cover you'd get is exactly what Healthy Paws's policy says, and that's what we've summarised below, from Healthy Paws's own documents.
What does PetSmart pet insurance cover?
These are the main terms of Healthy Paws's policy, which is the one PetSmart sells. Where an insurance term needs explaining, there's a short note.
- Deductible you pay firstThe amount you pay towards vet bills before your insurer starts paying.
- Annual: applies once per 12-month coverage term
- Share of each vet bill it pays backAfter your deductible, the percentage of each vet bill your insurer pays back.
- Coinsurance shown on the declarations page
- Most it will pay out
- A lifetime limit shown on the declarations page; no limits per claim or per year below it
- Wait before illness is coveredThe time after you buy a policy before you can claim for an illness.
- 15 days
- Wait before accidents are covered
- 15 days
- Cover for pre-existing conditionsAnything your dog had, or showed signs of, before the policy started.
- Not covered: any illness or injury that started before the policy effective date
- Vet exam fees
- Not covered
- Dental cover
- Only injury to teeth from an accident; dental health care excluded
Everything Healthy Paws's policy covers, with where we found each point
Your questions answered
Who provides PetSmart pet insurance?
Healthy Paws. PetSmart offers the Healthy Paws pet insurance plan. So the cover is Healthy Paws's policy, and everything on this page comes from Healthy Paws's own documents.
Does PetSmart give a discount on pet insurance?
Yes. PetSmart's pet insurance page says: treats Rewards members save 10%.
How long is the Healthy Paws waiting period?
15 days
Does Healthy Paws cover pre-existing conditions?
Not covered: anything that started before your policy is excluded.
Does Healthy Paws cover vet exam fees?
Not covered
Does Healthy Paws cover behavioural training or a behaviourist?
Not covered: training, therapy and behaviour medication are all excluded.
Who provides the cover and the discount are from PetSmart's own website; the policy terms are from Healthy Paws's own documents, read in October 2026. Terms can differ by plan and state, so check the policy before you buy.
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