Is Chubb Pet Insurance Worth It? Review 2025
Our Expert's Review of Chubb
Chubb, through its Westchester Fire Insurance Company pet policy, offers a robust single-formula pet insurance for cats and dogs in the US, notable for allowing clients to adjust coinsurance, deductible, and a unique lifetime maximum per pet—instead of more common annual or per-incident caps. Reimbursement is for medically necessary veterinary treatment for illnesses or accidents, with waiting periods in place (15 days for most events, 12 months for hip dysplasia), and strict exclusion of pre-existing conditions, preventive/routine care, and vet exam fees. Chubb firmly positions itself as a premium insurer, as evidenced by its global presence, over $200 billion in assets, and $21 billion claims paid in 2023, rivaling US leaders like Trupanion, Embrace, and Healthy Paws. Its financial stability is a key strength, and claims are contractually to be paid within 60 days upon submission of complete documentation; however, recent Healthy Paws (Chubb-owned) customer feedback suggests both fast approvals and, in some instances, longer handling times and increased scrutiny, especially for older pets. Chubb’s pet health insurance is particularly well-suited to owners of young, healthy pets seeking extremely high, flexible lifetime coverage limits—especially those not seeking coverage for routine, dental, or preventive services. While Trustpilot does not show a direct Chubb rating for pet insurance, Healthy Paws (recently acquired by Chubb) is rated 4.1/5 with over 2,500 reviews. Chubb’s offering stands out in lifetime value for high claims, but limited formula choice and routine exclusion restrict broader appeal.
- ✅No annual or per-claim limits, lifetime max only
- ✅Customizable deductible and coinsurance
- ✅Strong global financial backing (over $200B assets)
- ✅Covers medically necessary accident and illness care
- ✅Suited for high vet bill/high needs situations
- ✅Clear exclusions and transparent terms
- ✅Contractual claim payout within 60 days
- ❌No preventive, dental (except trauma), or exam fee coverage
- ❌Strict exclusions for pre-existing and routine care
- ❌Hip dysplasia coverage limitations for older pets
- ❌No digital-first claims or instant reimbursement
- ❌Premiums/reimbursement rates not publicly benchmarked
- ✅No annual or per-claim limits, lifetime max only
- ✅Customizable deductible and coinsurance
- ✅Strong global financial backing (over $200B assets)
- ✅Covers medically necessary accident and illness care
- ✅Suited for high vet bill/high needs situations
- ✅Clear exclusions and transparent terms
- ✅Contractual claim payout within 60 days
Our Expert's Review of Chubb
Score- ✅No annual or per-claim limits, lifetime max only
- ✅Customizable deductible and coinsurance
- ✅Strong global financial backing (over $200B assets)
- ✅Covers medically necessary accident and illness care
- ✅Suited for high vet bill/high needs situations
- ✅Clear exclusions and transparent terms
- ✅Contractual claim payout within 60 days
- ❌No preventive, dental (except trauma), or exam fee coverage
- ❌Strict exclusions for pre-existing and routine care
- ❌Hip dysplasia coverage limitations for older pets
- ❌No digital-first claims or instant reimbursement
- ❌Premiums/reimbursement rates not publicly benchmarked
- ✅No annual or per-claim limits, lifetime max only
- ✅Customizable deductible and coinsurance
- ✅Strong global financial backing (over $200B assets)
- ✅Covers medically necessary accident and illness care
- ✅Suited for high vet bill/high needs situations
- ✅Clear exclusions and transparent terms
- ✅Contractual claim payout within 60 days
- Chubb Warranties
- Chubb exclusions
- Chubb Rates
- Chubb Assistance
- Customer feedback on Chubb
- How to contact Chubb?
- FAQ
Why trust HelloSafe?
At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies available in the market every year to provide you with reliable and unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of users across the US trust us each month to help them with their most important financial decisions.
Chubb Warranties
Chubb’s pet insurance, provided via Westchester Fire Insurance, features a single customizable formula covering illness and accidents, with no annual or per-claim limit—only a pet lifetime cap chosen by the policyholder.
Reimbursement rates (coinsurance) and deductibles are flexible and set per pet on the declaration page, but the plan strictly excludes preventive care (including vaccinations, dental care unless accidental trauma, and spay/neuter) as well as exam/consultation fees, making it less comprehensive on wellness than some US competitors.
The standout strength is in broad, uncapped medical coverage for unexpected illness/accidents and inclusion of advanced care (medication, surgery, imaging, hospitalization), with absence of annual or per-claim caps—however, no option exists for routine/preventive package add-ons or rehabilitation/alternative medicine.
Key limitations include mandatory recent clinical examination at signup, pre-existing condition exclusions (including behavior and chronic issues), waiting periods, and the exclusion of vet exam fees from coverage.
Chubb is thus highly competitive for major medical risks but less appealing for those seeking wellness/prevention and dental, and buyers must carefully review exclusions and understand all claims must relate to medically necessary treatment as defined by the policy.
| Guarantee | Standard Formula (Customizable) |
|---|---|
| Positioning of formula | Single core formula, no tier options |
| Type of coverage | Accidents & Illness |
| Covered animals | Cats and dogs (for companionship/help only) |
| Reimbursement rate (%) | Customizable, see declaration (coinsurance) |
| Annual reimbursement limit | No annual/per-claim limit, only lifetime max |
| Deductible (annual/per claim) | Customizable per term, see declaration page |
| Min & max pet age to enroll | - Cats: NC - Dogs: NC |
| - <6 years: exam in last 12 months or 15 days after start - ≥6 years: exam in last 30 days or 15 days after start | |
| Health questionnaire required? | Recent clinical exam required for all pets |
| Waiting period for illness | 15 days |
| Waiting period for accident | 15 days |
| Lifetime coverage if insured? | Only up to lifetime limit, as long as premium paid |
| Routine vet consultations | ❌ (exam/consult fee not covered) |
| Medications | ✅ if prescribed and medically necessary |
| Hospitalization | ✅ (medically necessary) |
| Ambulance fees | NC |
| Surgery/anesthesia | ✅ (medically necessary) |
| Scans (MRI/CT/ultrasound) | ✅ (if required for covered condition) |
| Laboratory testing | ✅ for covered conditions |
| Radiotherapy | ✅ for covered conditions |
| Dental (illness/cleanings) | ❌ unless tooth injury from accident |
| Dental scaling/detartrage | ❌ |
| Wellness/preventive package | ❌ No option for preventive care |
| Alternative medicine | ❌ |
| Therapeutic diets | ❌ |
| Geographical coverage | U.S. + temporary in Canada |
| Death/cremation benefits | ❌ |
| Euthanasia | ✅ (if medically necessary) |
| Theft/loss/search costs | ❌ |
| Boarding/grooming/kennel | ❌ |
- Dogs: NC
- ≥6 years: exam in last 30 days or 15 days after start
Good to know
- Pets must have a vet exam before or shortly after signup; missing this voids coverage.
- Hip dysplasia excluded if pet ≥6 years at enrollment or during the first 12 months.
- All claim reimbursements require complete documentation; all eligible fees must relate to medically necessary treatments only (excluding any exam/consultation charges).
- No coverage for working, breeding, or commercial use animals, and no coverage for any preventive or elective care.
Compare multiple US pet insurance policies to secure the best coverage and lowest price for your pet’s health needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Chubb exclusions
Chubb’s pet health insurance, underwritten by Westchester Fire Insurance Company, has several notable exclusions, particularly the systematic exclusion of veterinary examination fees regardless of the treatment in question—a significant differentiator versus many U.S. competitors.
Coverage for any illness, accident, or hip dysplasia is excluded during initial waiting periods (15 days for accident/illness, 12 months for hip dysplasia), and hip dysplasia is never covered for pets enrolled from age six and older.
As is standard, any pre-existing condition, including those only apparent by veterinary exam before coverage, is categorically excluded—this extends to recurring predisposed conditions and future leg injuries where cruciate ligament disease predates coverage.
Preventive care (vaccinations, flea/tick/heartworm, spay/neuter, dental unless trauma-related), elective/cosmetic procedures, behavioral care, boarding/transport, and all injury/illness related to working pets, racing, breeding, or commercial use remain non-covered.
Finally, strict compliance with pre-enrollment clinical examination rules is enforced; non-compliance results in full policy nullification rather than suspension, making this an especially strict contractual requirement.
| Exclusions | Details |
|---|---|
| Pre-existing & Predisposed Conditions | - Any illness/injury/complication that occurred or recurred before policy start - Conditions evident via vet exam prior to policy - Recurring conditions with known predisposition - Future cruciate ligament injuries if any pre-existing history |
| Waiting Periods & Age-Based Limits | - Any accident/illness within first 15 days excluded - Hip dysplasia during first 12 months excluded - Hip dysplasia never covered if pet was ≥6 years at enrollment |
| Preventive, Elective & Routine Care | - Spaying, neutering - Vaccines, titer tests, heartworm/flea/tick prevention, deworming - Anal gland expression - Routine, cosmetic, or elective procedures (tail docking, ear cropping, microchipping, declawing, etc.) - Dental care (unless injury-related) - Grooming, nail trims |
| Medical Care Exclusions | - Veterinary examination or consultation fees (even if treatment is covered) - Charges exceeding standard vet rates - Diagnosis/tests for conditions specifically excluded - Experimental treatments, special diets/shampoos/vitamins |
| Behavioral & Related Services | - Training, therapy, or behavioral modification - Feeding/food costs except for hospitalization |
| Breeding & Working Activity | - Injuries/illnesses from or related to racing, breeding, working, law enforcement, guarding, commercial use - Breeding, whelping, queening expenses |
| Non-Medical/Administrative | - Boarding, non-essential transportation - Shipping/mailing (except for covered medication/tests) - Cancellation transfers (cannot transfer to other pet) - Claims paid only in excess of any other insurance |
| Compliance & Legal | - Non-compliance with mandatory clinical examination timing nullifies contract - Fraud, misrepresentation, non-payment of premium - Damage/loss from war, nuclear/radiological events |
| Geographic Limitations | - Coverage outside U.S. and temporary Canada not covered |
- Conditions evident via vet exam prior to policy
- Recurring conditions with known predisposition
- Future cruciate ligament injuries if any pre-existing history
- Hip dysplasia during first 12 months excluded
- Hip dysplasia never covered if pet was ≥6 years at enrollment
- Vaccines, titer tests, heartworm/flea/tick prevention, deworming
- Anal gland expression
- Routine, cosmetic, or elective procedures (tail docking, ear cropping, microchipping, declawing, etc.)
- Dental care (unless injury-related)
- Grooming, nail trims
- Charges exceeding standard vet rates
- Diagnosis/tests for conditions specifically excluded
- Experimental treatments, special diets/shampoos/vitamins
- Feeding/food costs except for hospitalization
- Breeding, whelping, queening expenses
- Shipping/mailing (except for covered medication/tests)
- Cancellation transfers (cannot transfer to other pet)
- Claims paid only in excess of any other insurance
- Fraud, misrepresentation, non-payment of premium
- Damage/loss from war, nuclear/radiological events
Chubb Rates
Chubb’s pet insurance (via Westchester/Healthy Paws) holds a median-to-slightly-high price positioning within the US market due to its unlimited lifetime reimbursements and generally low deductibles, but with limited scope (no preventive or routine care, no exam fees, some hip dysplasia and dental exceptions).
Its core formula is straightforward and digital-first—which aids in cost control—but is less granular than tiered competitors, so pet owners cannot choose more budget or comprehensive modules.
While claims service is recognized as fast for young pets, sharp premium increases are common as animals age, especially large breeds or seniors, making it potentially less competitive for older pets.
Overall, Chubb is best viewed as median on cost: offering good financial coverage for accidents and illnesses (especially for healthy, younger pets), with fewer add-on benefits and some volatility in pricing over time.
Compare multiple quotes before choosing your pet’s insurance to make sure you’re getting the lowest available rate for your pet’s age and breed.
| Chubb (Single Formula) | |
|---|---|
| Young cat (2-4 yrs) | $25/mo |
| Senior cat (7-8 yrs) | $48/mo |
| Small dog | $33/mo |
| Small dog (2-4 yrs) | $34/mo |
| Large dog (2-4 yrs) | $55/mo |
| Senior dog (7-8 yrs) | $96/mo |
Chubb promo codes
| Chubb Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
How much will I be reimbursed with Chubb?
The way Chubb pet insurance works is simple: after you pay your annual deductible, Chubb reimburses you for a set percentage of covered veterinary expenses (such as surgery, medication, or hospitalization), up to the policy’s lifetime maximum for your pet, so your out-of-pocket costs are much lower.
Example 1: Emergency surgery for a swallowed toy
Total veterinary cost: $2,500 (x-ray, surgery, hospitalization, medication)
Annual deductible remaining: $250 (first claim of the year)
Eligible amount after deductible: $2,500 – $250 = $2,250
Reimbursement rate: 90% (as selected with “highest” option on your policy)
Chubb reimbursements: $2,250 × 90% = $2,025
👉 You get $2,025 back from Chubb.
Out-of-pocket cost with Chubb: $250 (deductible) + $225 (your 10% share) = $475
Out-of-pocket with no insurance: $2,500
ℹ️ The deductible only applies once per year—next claims are reimbursed immediately up to your pet's lifetime max.
Example 2: Broken leg from a fall
Total veterinary cost: $3,800 (exam* + x-rays, surgery, overnight care, pain medication)
Annual deductible remaining: $0 (already met with prior claim)
Eligible amount (excluding exam fees*): $3,500 (since exam fees are not covered)
Reimbursement rate: 90%
Chubb reimbursements: $3,500 × 90% = $3,150
👉 You’re reimbursed $3,150.
Out-of-pocket cost with Chubb: $350 (your 10% share) + $300 (exam fees not covered) = $650
Out-of-pocket with no insurance: $3,800
ℹ️ Veterinary exam or consultation fees are not reimbursed by the policy.
Example 3: Hospitalization for pancreatitis
Total veterinary cost: $1,500 (IV fluids, overnight hospitalization, bloodwork, medication)
Annual deductible remaining: $0 (already used on previous claims)
Reimbursement rate: 90%
Chubb reimbursements: $1,500 × 90% = $1,350
👉 You get $1,350 back from Chubb.
Out-of-pocket cost with Chubb: $150 (your 10% share)
Out-of-pocket with no insurance: $1,500
ℹ️ Most acute illnesses and injuries are covered—preventive care costs and routine checkups are not.
Note: Preventive care (vaccinations, flea medication, routine wellness visits, spay/neuter, dental cleanings) are not included in the policy coverage outlined above. The examples show the high value of pet health insurance for unexpected illness or emergencies.
Chubb Assistance
Chubb’s pet insurance assistance is limited compared to leading US providers, as it does not offer fee advance systems such as CareCredit or Payvet and does not facilitate direct payment to clinics; claims are reimbursed post-payment by the policyholder.
There are no structured options for flexible or installment premium payments: premiums are due monthly by direct debit or credit card, and no split or deferred payment plans are mentioned.
Chubb does not propose a dedicated mobile app or digital customer portal for claims management, so all claims and policy service must be handled via traditional paperwork and email, which limits convenience and responsiveness.
No tele-veterinary service, 24/7 vet hotline or emergency triage is included, nor does Chubb offer access to any vet or clinic partner network, which risks slower response during medical crises.
International coverage is strictly limited to temporary medical care in Canada for US residents, with no support for travel beyond this or expatriation scenarios.
| Assistance Chubb | Available? | Details |
|---|---|---|
| Advance of fees | ❌ | No advance payment or instant clinic settlement (e.g., CareCredit, Payvet). The policy only reimburses after owner pays and submits paperwork. |
| Payment facilities | ❌ | No facilitation for split or deferred premium payment. Monthly payment by credit/debit card only; no interest-free installment or custom plans disclosed. |
| Mobile App | ❌ | No dedicated mobile application or digital self-service platform exists for pet insurance management or claim submission. |
| Digital claim management | ❌ | Claim process is paper/email-based only, with up to 60 days allowed for payout after complete documentation. No digital uploads or tracking tools. |
| Veterinary emergency | ❌ | No 24/7 veterinary advice line, triage service, or telehealth/teleconsultation support included with coverage. |
| Partner clinic/vet network | ❌ | No preferred or direct payment network of veterinary partners; policyholder may visit any licensed vet, but no network advantages or agreements provided. |
| International coverage | ✅ | Policy valid throughout the US and temporarily in Canada only. No wider international coverage or expatriation support; Canada coverage is strictly short-term. |
Customer feedback on Chubb
| Review Site | Rating and Number of Reviews |
|---|---|
| Trustpilot | 4.1/5 ("Great"), 2,551 reviews |
We have analyzed the reviews from the site listed above. On the positive side, policyholders who insured their pets through Chubb (Healthy Paws) often mention:
- Fast claims approval and reimbursement: most clients highlight prompt claim handling, sometimes processed within a day or two.
- Quick and user-friendly process: the online portal and app are considered easy to use for submitting claims and tracking progress.
- Coverage appreciated during expensive treatments: insured pet owners especially value the absence of annual or lifetime payout caps and support during costly emergencies or chronic pet health issues.
- Supportive and compassionate customer service: messages of care from representatives and consistent claim updates are praised, particularly for younger and healthier pets.
On the negative side:
- Significant premium increases for aging pets: many customers note rapid and steep premium hikes as their pets grow older, sometimes from $110 to over $800 monthly.
- Claim denials related to pre-existing conditions or waiting periods: there are frequent complaints about claims being refused on the grounds of pre-existing issues or technicalities, which sometimes surprise or frustrate customers.
- Longer processing times and communication delays: some report that claims handling can take several weeks or even months, with additional requests for documentation and difficulty reaching claims representatives.
- Declining customer service post-acquisition: some users perceive a drop in service quality, citing fewer US-based staff, reduced responsiveness, and sudden policy cancellations since Chubb’s acquisition.
- Distrust and perception of unfair practices: there are allegations of unfair claim denials, excessive demands for evidence, and skepticism regarding the company’s intentions or review authenticity.
How to contact Chubb?
| Service client Chubb | Détails |
|---|---|
| To get a quote or subscribe online | You can use HelloSafe’s pet insurance comparison tool, select the plan that suits you and click to get a quote. |
| To request and track a reimbursement | Report your claim by sending a loss notification to Chubb. - Attach all detailed invoices, prescriptions, complete veterinary files and proof of payment. - Allow access to your pet’s full medical records. - Return any additional documents requested. - Reimbursements are usually carried out within 60 days after receiving the complete file (often faster if all documents are provided quickly). - Payment is made by bank transfer or cheque, according to the payment method stated during your claim. - Claims contact: • Email: [email protected] • Phone: 1-800-682-4822 • Mailing address: Chubb Group of Insurance Companies, P.O. Box 1600, Whitehouse Station, NJ 08889-1600, USA |
| To get an insurance certificate | Make a request to Chubb customer service with your contact details and contract number. Contact: • Email: [email protected] • Phone: 1-800-682-4822 |
| To contact support | Call Chubb customer service for any information, assistance or emergency request related to your insurance: • Phone: 1-800-682-4822 Or send your request to [email protected] |
| To cancel my contract | You may cancel at any time by sending a written request (by email, mail or fax) at least 14 days before the next due date: - Specify your intention to cancel, the contract number, your contact details and desired cancellation date. - No justification required outside the ‘free look’ period (30 days without claims for a full refund). - Documents to attach: signed cancellation request, proof of ID and bank details if premium refund. Cancellation contact: • Email: [email protected] • Mailing address: Chubb Group of Insurance Companies, P.O. Box 1600, Whitehouse Station, NJ 08889-1600, USA |
- Attach all detailed invoices, prescriptions, complete veterinary files and proof of payment.
- Allow access to your pet’s full medical records.
- Return any additional documents requested.
- Reimbursements are usually carried out within 60 days after receiving the complete file (often faster if all documents are provided quickly).
- Payment is made by bank transfer or cheque, according to the payment method stated during your claim.
- Claims contact:
• Email: [email protected]
• Phone: 1-800-682-4822
• Mailing address: Chubb Group of Insurance Companies, P.O. Box 1600, Whitehouse Station, NJ 08889-1600, USA
Contact:
• Email: [email protected]
• Phone: 1-800-682-4822
• Phone: 1-800-682-4822
Or send your request to [email protected]
- Specify your intention to cancel, the contract number, your contact details and desired cancellation date.
- No justification required outside the ‘free look’ period (30 days without claims for a full refund).
- Documents to attach: signed cancellation request, proof of ID and bank details if premium refund.
Cancellation contact:
• Email: [email protected]
• Mailing address: Chubb Group of Insurance Companies, P.O. Box 1600, Whitehouse Station, NJ 08889-1600, USA
FAQ
Do I have to pay the vet bill up front with Chubb pet insurance?
Chubb pet insurance operates on a reimbursement basis. This means you pay your veterinarian directly for all services upfront, then file a claim with Chubb to be partially reimbursed according to your policy’s coinsurance and deductible. There is no direct payment or Payvet-style "pay at clinic" option available.
How do I cancel my Chubb pet insurance policy?
To cancel your Chubb pet insurance, you must send a written notice (by regular mail, fax, or email) at least 14 days before your next premium is due. Include your policy number and your signature. No additional documents are generally needed unless Chubb specifically requests them.
What does Chubb pet insurance cover and not cover?
Chubb’s policy covers medically necessary veterinary treatments for new illnesses and accidents, but excludes pre-existing conditions, preventive care (like vaccinations and flea meds), routine exams, spaying/neutering, dental care (unless due to accident), behavioral therapy, and elective procedures. Check exclusions carefully to see if your needs match the coverage offered.
When does Chubb pet insurance coverage actually begin?
Coverage starts on the effective date listed in your declarations, but there’s a 15-day waiting period before illness and accident benefits apply. For hip dysplasia, there's a 12-month waiting period (and it's not covered for pets enrolled at age 6 or older). Any conditions developing within waiting periods or before coverage are excluded.
Are there annual or lifetime caps with Chubb pet insurance?
There is no annual or per-incident limit on payouts; instead, a single lifetime cap applies to each pet, as noted on your policy documents. Once this lifetime maximum is reached, no further benefits are payable for that pet under the policy. Review your declarations page for your specific limit.
Do I have to pay the vet bill up front with Chubb pet insurance?
Chubb pet insurance operates on a reimbursement basis. This means you pay your veterinarian directly for all services upfront, then file a claim with Chubb to be partially reimbursed according to your policy’s coinsurance and deductible. There is no direct payment or Payvet-style "pay at clinic" option available.
How do I cancel my Chubb pet insurance policy?
To cancel your Chubb pet insurance, you must send a written notice (by regular mail, fax, or email) at least 14 days before your next premium is due. Include your policy number and your signature. No additional documents are generally needed unless Chubb specifically requests them.
What does Chubb pet insurance cover and not cover?
Chubb’s policy covers medically necessary veterinary treatments for new illnesses and accidents, but excludes pre-existing conditions, preventive care (like vaccinations and flea meds), routine exams, spaying/neutering, dental care (unless due to accident), behavioral therapy, and elective procedures. Check exclusions carefully to see if your needs match the coverage offered.
When does Chubb pet insurance coverage actually begin?
Coverage starts on the effective date listed in your declarations, but there’s a 15-day waiting period before illness and accident benefits apply. For hip dysplasia, there's a 12-month waiting period (and it's not covered for pets enrolled at age 6 or older). Any conditions developing within waiting periods or before coverage are excluded.
Are there annual or lifetime caps with Chubb pet insurance?
There is no annual or per-incident limit on payouts; instead, a single lifetime cap applies to each pet, as noted on your policy documents. Once this lifetime maximum is reached, no further benefits are payable for that pet under the policy. Review your declarations page for your specific limit.
