PetSmart Insurance: Everything You Need to Know

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As pet owners, we love our furry friends and want to do everything in our power to keep them healthy and happy. However, unexpected accidents or illnesses can occur, and veterinary bills can quickly add up. This is where pet insurance comes in. In this article, we’ll explore PetSmart Insurance, one of the top pet insurance providers in the market.

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What is PetSmart Insurance?

PetSmart Insurance is a pet insurance policy offered by PetSmart, a leading pet retailer in the United States. The policy is underwritten by United States Fire Insurance Company and administered by Pet Partners, Inc. PetSmart Insurance offers coverage for dogs and cats and is designed to help pet owners manage the costs of unexpected veterinary expenses due to accidents or illnesses.

What Does PetSmart Insurance Cover?

PetSmart Insurance offers two types of coverage: accident-only coverage and accident and illness coverage. Accident-only coverage includes the following:

Accidental injury
X-rays, MRIs, and ultrasounds
Surgeries
Emergency care
Prescription medication
Rehabilitation and therapy

Accident and illness coverage includes all of the above plus coverage for the following illnesses:

Cancer treatment
Holistic therapies
Chronic conditions
Viral infections
Bacterial infections
Hereditary conditions

It’s important to note that pre-existing conditions are not covered by PetSmart Insurance. In addition, routine care such as vaccinations and check-ups are not covered under these policies.

How Much Does PetSmart Insurance Cost?

The cost of PetSmart Insurance varies depending on the coverage option you choose, the age of your pet, and any pre-existing conditions they may have. Here are some sample monthly premiums for accident and illness coverage:

Pet Age
Monthly Premium
3 months
$32.45
2 years
$51.51
5 years
$83.76

It’s important to note that these are sample premiums and may not reflect the exact cost of coverage for your pet.

How Are Claims Processed?

PetSmart Insurance claims are processed online through the Pet Partners website. To file a claim, you’ll need to provide the following information:

  • Your pet’s name and date of birth
  • A description of the condition or illness
  • The dates of treatment
  • Copies of the veterinary bill and any supporting documents

Once your claim is submitted, PetSmart Insurance will review it and determine if it meets the coverage criteria. If approved, you’ll receive reimbursement for the eligible expenses.

Final Thoughts

In conclusion, PetSmart Insurance is a solid choice for pet owners looking for coverage for unexpected accidents or illnesses. The policy offers comprehensive coverage and is backed by a trusted pet retailer. However, it’s important to carefully review the policy details and pricing before signing up to ensure it meets the needs of you and your furry friend.

Frequently Asked Questions

Is PetSmart Insurance worth it?

It depends on your individual needs and budget. If you’re concerned about unexpected veterinary expenses and want peace of mind, pet insurance can be a good investment. PetSmart Insurance offers comprehensive coverage options, but it’s important to carefully review the policy details and pricing before signing up.

Can I choose my own veterinarian?

Yes, you can choose any licensed veterinarian in the United States or Canada with PetSmart Insurance.

Can I get coverage for a pre-existing condition?

No, pre-existing conditions are not covered under PetSmart Insurance policies.

Do I need to have my pet examined before signing up?

No, a veterinary exam is not required to sign up for PetSmart Insurance. However, any pre-existing conditions will not be covered.

Is there a waiting period for coverage?

Yes, there is a 14-day waiting period for illness coverage and a 3-day waiting period for accident coverage with PetSmart Insurance.

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