Chubb Pet Insurance Review 2025: The Ultimate Guide
Our expert's opinion on Chubb
Chubb’s pet insurance in the U.S. is offered through Healthy Paws and focuses on accident and illness coverage with lifetime protection and 15‑day waiting periods for accidents and illnesses.
Plans cover accidents and illnesses with customizable reimbursement rates shown on policy declarations, no annual limit (subject to lifetime limits), lifetime cover, waiting periods of 15 days, preventive and routine care excluded, and wellness budgets not part of standard cover; deductibles and exact reimbursement percentages are set on the policy declarations. Compared with main competitors, Chubb/Healthy Paws emphasizes broad accident-and-illness protection, fast app-based claims and reimbursements, and a pricing approach that varies by breed and age, often showing higher premiums for certain purebreds and younger versus older insurability cutoffs.
Best suited for owners of young pets (under 7 years at enrollment) who want comprehensive accident and illness coverage, fast claims handling, and accept breed- and age-sensitive premiums.
Healthy Paws (a Chubb company) carries a Trustpilot score of 3.7/5 from 2,668 reviews; customer feedback frequently cites fast, straightforward app-based claims and quick reimbursements, alongside recurring complaints about premium increases and occasional service or claims-review issues.
- ✅Comprehensive accident and illness coverage
- ✅Customizable reimbursement rates
- ✅No annual limit (subject to lifetime limit)
- ✅Lifetime cover available
- ✅Fast, app-based claims submission
- ✅Quick reimbursements reported
- ✅Choice of any licensed veterinarian
- ❌Preventive and routine care excluded
- ❌Many breeds not insurable once age 7 reached
- ❌Premiums can rise steeply over time
- ❌Occasional customer service or claims-review issues
- ❌Limited coverage for consultations and boarding fees
Our expert's opinion on Chubb
- ✅Comprehensive accident and illness coverage
- ✅Customizable reimbursement rates
- ✅No annual limit (subject to lifetime limit)
- ✅Lifetime cover available
- ✅Fast, app-based claims submission
- ✅Quick reimbursements reported
- ✅Choice of any licensed veterinarian
- ❌Preventive and routine care excluded
- ❌Many breeds not insurable once age 7 reached
- ❌Premiums can rise steeply over time
- ❌Occasional customer service or claims-review issues
- ❌Limited coverage for consultations and boarding fees
Score- ✅Comprehensive accident and illness coverage
- ✅Customizable reimbursement rates
- ✅No annual limit (subject to lifetime limit)
- ✅Lifetime cover available
- ✅Fast, app-based claims submission
- ✅Quick reimbursements reported
- ✅Choice of any licensed veterinarian
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The Chubb Guarantees
Chubb offers a single comprehensive Accident & Illness pet insurance product in 2025 that is positioned to cover clinical treatment for unexpected injuries and illnesses rather than routine or preventive care. The plan is underwritten and administered through established insurance channels and is structured to let policyholders access core clinical benefits such as emergency care, surgery, imaging and laboratory testing. Benefit levels (including reimbursement percentage and declarations shown to the policyholder) are configurable at the point of sale, while lifetime cover is available under the product design. Waiting periods for both accidents and illnesses are short (15 days), and euthanasia for medical necessity is recognized under the coverage.
Policy mechanics combine an initial waiting period with exclusions for conditions that predate the policy start. Annual reimbursement is effectively uncapped (reported as no annual limit, subject to a lifetime limit), and common claim categories such as consultations, boarding fees and routine preventive services are excluded by default. Age or condition-based rules apply in specific cases (for example, limits applied to certain orthopedic conditions for older pets). Alternative therapies, care abroad, cremation and several non-medical expenses are either limited or not covered.
Key strengths of the offering are the focus on clinical treatment with surgical and diagnostic coverage, availability of lifetime cover, and short waiting periods that make the policy responsive after inception. Main weaknesses are the routine-care exclusions (vaccinations, parasite prevention, routine dental cleaning), limited clarity on enrollment age bands for some profiles, and a number of administrative and activity-based exclusions that restrict cover for breeding, commercial use, or owner-caused injury. Consumers should review claims mechanics and any lifetime limits when selecting benefit levels to ensure coverage aligns with anticipated risk and financial tolerance.
| Accident & Illness | |
|---|---|
| Plan positioning | Comprehensive accident & illness |
| Type of coverage (accident, illness, both, etc.) | Both (Accident & Illness) |
| Animals covered (dogs, cats, other) | Dogs, Cats |
| Reimbursement rate | Customizable (shown on declarations page) |
| Annual reimbursement limit | No annual limit (subject to lifetime limit) |
| Deductible (annual or per claim) | NC |
| Age limits for enrollment | NC / < 7 years (some profiles listed as not insurable ≥ 7 years) |
| Pre-enrollment health questionnaire | NC |
| Waiting periods (accident and illness) | Accident: 15 days; Illness: 15 days |
| Lifetime coverage | Yes |
| Consultations | No |
| Medications | NC |
| Hospitalization | NC |
| Surgery | Yes |
| Diagnostic tests | Imaging: Yes; Lab tests: Yes |
| Dental care | Dental cleaning: No |
| Preventive care | No (wellness, vaccinations, parasite prevention excluded) |
| Alternative medicine | NC |
| Travel coverage | NC |
| Civil liability | NC |
| Euthanasia | Yes (euthanasia for medical necessity covered) |
| Death & cremation coverage | Death: Yes (euthanasia only); Cremation: NC |
| Theft or loss + search expenses | NC |
| Boarding fees | No |
Exclusions and limitations: Pre-existing conditions are excluded—any illness, condition, or injury that developed or showed symptoms prior to the policy effective date is not reimbursed. Preventive and routine care (spaying/neutering, vaccinations, parasite prevention, routine dental care, grooming and similar maintenance) are excluded unless an endorsement specifically indicates otherwise. Elective or cosmetic procedures, breeding and whelping-related costs, experimental treatments and many non-medical items (food, supplements, administrative fees, transport, boarding, and after‑life services) are also excluded. Specific owner-related acts (intentional, neglectful or preventable acts) and activity-related exclusions (racing, professional guarding, organized fighting) apply.
Key operational limits to note: there are age-related constraints for certain conditions (for example, some illness cover limitations for older pets), and certain orthopedic conditions may be restricted if they occur within defined waiting periods or are pre-existing. Consultations, routine exam fees and many non-treatment fees are not covered by default, which can increase out-of-pocket spending for owners even when clinical treatment is reimbursed. Policyholders should confirm deductible structure, any lifetime limit details and enrollment eligibility for their pet prior to purchase.
Chubb Exclusions
Chubb’s pet insurance excludes standard pre-existing conditions and focuses cover on new accidents and illnesses rather than routine or preventive care.
Notable exclusions include an age-based rule that denies coverage for hip dysplasia for pets six years or older at enrollment and a specific cruciate ligament rule that excludes treatment in other legs if one leg had a pre-existing cruciate issue.
Routine preventive services, elective or cosmetic procedures, special diets and many non-medical fees (consultations, boarding, transport) are excluded, which can leave owners responsible for frequent out-of-pocket costs.
Commercial-use and catastrophic-event exclusions (e.g., war, nuclear incidents) further narrow protection compared with broader market offerings.
| Exclusions | Details |
|---|---|
| Medical exclusions | Pre-existing conditions; Experimental or investigational treatments; Vaccine-preventable diseases; Special diets and vitamins; Behavioral modification when not a covered treatment. |
| Preventive & routine care | Spaying/neutering; Vaccinations; Flea/tick/heartworm prevention; Deworming; Nail trims; Grooming; Routine dental care; Anal gland expression. |
| Financial & administrative fees | Consultation/exam fees; Referral and recheck fees; Boarding fees; Transport and ambulance fees (unless specifically covered); Administrative/service charges. |
| Age & condition-specific exclusions | No coverage for hip dysplasia for pets aged six years or older at enrollment; Cruciate ligament bilateral exclusion (if one leg had a pre-existing cruciate issue, future treatment in other legs excluded). |
| Elective & cosmetic procedures | Tail docking; Ear cropping; De-clawing; Micro-chipping (listed as elective); Cosmetic or elective surgeries. |
| Behavioral / owner-related exclusions | Injury/illness from intentional, neglectful, or preventable acts; Failure to follow preventive healthcare recommendations. |
| Activity & professional use | Conditions arising from commercial/working activities (racing, guarding, law enforcement, organized fighting). |
| Catastrophic & external events | War, rebellion, nuclear incidents, and other catastrophic events. |
| Other specific exclusions | Breeding-related conditions; Treatment costs tied to commercial activities; Any other exclusions that limit coverage for non-clinical or lifestyle-related expenses. |
Chubb Prices
Chubb’s offering sits in a mid-to-premium segment of the market, with monthly premiums for young, popular breeds that are clearly above entry-level alternatives but reflect broader protection and flexible benefit design. Customizable reimbursement rates and the absence of an annual payout cap (subject to a lifetime limit) mean policyholders can trade higher premiums for reduced out-of-pocket exposure on major treatments, which supports higher-price positioning for pets with greater veterinary needs.
Deductible levels and chosen reimbursement percentages materially influence competitiveness: a lower deductible and higher reimbursement reduce short‑term costs but raise the premium, while the insurer’s lifetime cover feature and coverage of major services such as surgery and imaging provide value that many traditional players limit through annual caps. Eligibility rules that restrict enrollment for older pets (under 7 years for new registrations) also affect price comparisons, and these structural choices help explain why Chubb’s premiums sit above basic market offerings without positioning it at the extreme premium tier.
To help you find the best match between your needs and budget, compare the monthly estimated prices by profile below.
| Profile of the animal | Accident & Illness |
|---|---|
| Dog Labrador 1 year | $119.54 |
| Dog Labrador 3 years | $135.83 |
| Dog Labrador 7 years | Not insurable |
| Dog Australian Shepherd 1 year | $73.25 |
| Dog Australian Shepherd 3 years | $83.22 |
| Dog Australian Shepherd 7 years | Not insurable |
| Dog French Bulldog 1 year | $160.58 |
| Dog French Bulldog 3 years | $182.45 |
| Dog French Bulldog 7 years | Not insurable |
| Cat European Shorthair 1 year | $45.98 |
| Cat European Shorthair 3 years | $52.24 |
| Cat European Shorthair 7 years | Not insurable |
| Cat Maine Coon 1 year | $67.91 |
| Cat Maine Coon 3 years | $77.16 |
| Cat Maine Coon 7 years | Not insurable |
| Cat British Shorthair 1 year | $45.98 |
| Cat British Shorthair 3 years | $52.24 |
| Cat British Shorthair 7 years | Not insurable |
Chubb Promo Codes
| Chubb Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
What is the reimbursement amount with Chubb?
✅ Example 1: TPLO surgery (cruciate ligament repair)
Total veterinary cost: $4,500 (surgery, anesthesia, implants, medications)
Deductible amount to subtract: $200 (annual deductible)
Amount reimbursable after deductible with the highest-tier plan: $4,500 – $200 = $4,300
90% of that amount reimbursed: $4,300 × 90% = $3,870
👉 You receive a reimbursement of $3,870.
ℹ️ *The deductible applies once per policy year; remaining out-of-pocket includes the deductible plus any non-covered fees or excluded items.*
✅ Example 2: MRI and advanced diagnostics for neurological signs
Total veterinary cost: $2,200 (MRI, anesthesia, labwork, specialist fees)
Deductible amount to subtract: $0 (deductible already met earlier in the policy year)
Amount reimbursable after deductible with the highest-tier plan: $2,200 – $0 = $2,200
90% of that amount reimbursed: $2,200 × 90% = $1,980
👉 You receive a reimbursement of $1,980.
ℹ️ *Reimbursements apply only to eligible charges and will reduce any applicable lifetime coverage available under the policy.*
✅ Example 3: Wound repair and medications (minor surgery)
Total veterinary cost: $350 (wound repair, sutures, pain meds, follow-up supplies)
Deductible amount to subtract: $200 (annual deductible)
Amount reimbursable after deductible with the highest-tier plan: $350 – $200 = $150
90% of that amount reimbursed: $150 × 90% = $135
👉 You receive a reimbursement of $135.
ℹ️ *If a single invoice is lower than the deductible, you pay it in full; reimbursements begin once the annual deductible threshold is reached.*
Chubb Assistance
Chubb’s pet insurance emphasizes fast, digital claims handling and a dedicated mobile app, delivering quick reimbursements and convenient account access for U.S. policyholders.
Policyholders can visit any licensed U.S. veterinarian rather than being tied to a partner network, preserving choice for emergencies and specialist care.
There is no dedicated 24/7 veterinary teleconsultation line included, so owners should plan for in‑clinic emergency visits with subsequent digital claim submission.
Because routine preventive services are generally excluded, owners should confirm deductible, reimbursement rate, and any available payment or financing arrangements before major procedures.
| Assistance Chubb | Available? | Details |
|---|---|---|
| Advance payment | N.C. | N.C. |
| Payment facilities | N.C. | N.C. |
| Mobile app | ✅ | Mobile app available for claims submission and account management. Users report fast, straightforward claims processing via the app. |
| Paperless claims process | ✅ | Claims accepted and processed online or via the mobile app. Reimbursements are often issued quickly according to user feedback. |
| Emergency vet service | N.C. | N.C. |
| Vet/clinic partner network | ❌ | No exclusive partner clinic network; policyholders may use any licensed U.S. veterinarian. |
| Coverage abroad | N.C. | N.C. |
Users report fast, straightforward claims processing via the app.
Reimbursements are often issued quickly according to user feedback.
Chubb Customer Reviews
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 3.7/5 (2,668 reviews) |
Customers frequently praise Chubb’s pet insurance (operated via Healthy Paws) for a simple, digital claims process and rapid reimbursements, and many reviewers highlight the flexibility of using any licensed veterinarian and helpful follow‑ups after major procedures. At the same time, common concerns center on steep premium increases as pets age, intermittent customer service frustrations, and occasional claim denials or extended review periods that some owners found stressful.
Here are some examples of customer reviews:
- R.F. — 21/08/2025 — I’ve had Healthy Paws insurance for my dog for the past 12–13 years… the claims process [is] simple and reimbursement is quick.
- J.C. — 20/08/2025 — We’ve been with Healthy Paws since 2017… multiple health challenges… [Healthy Paws] has been fantastic in supporting us… resolving claims very quickly and with no hassle.
- K.S. — 24/08/2025 — We have had Healthy Paws pet insurance for our last two dogs… claims processed fairly and efficiently… no lifetime limits and transparent claims processing.
Contact Chubb
| Chubb Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. You can also visit Chubb’s pet insurance page or the Healthy Paws customer site to review plan options and begin an online subscription. |
| To request and track a reimbursement | Process: Submit your claim using the Healthy Paws app or the insurer’s online customer portal; after submission, monitor claim status in the portal or by contacting customer service. Required documents: N.C. Deadlines for submission and time limits for filing: N.C. Reimbursement method (check, ACH, etc.): N.C. |
| To obtain a certificate of insurance | Request method: N.C. Available channels to request a certificate (portal, email, phone, mail): N.C. Information commonly required to issue a certificate (policy number, insured name, pet details): N.C. |
| To contact assistance | Customer portal / mobile app: Healthy Paws app / online portal for account management and claims (app-based claim submission reported by customers). Phone: N.C. Email: N.C. Postal mail / written notices: Written correspondence is accepted (regular mail, fax, or email) for formal communications. Online contact form / company site: Chubb pet insurance page provides product and contact information. |
| To cancel my policy | Cancellation method: Must be submitted in writing; acceptable formats include regular mail, fax, or email. Information required to process cancellation: N.C. Deadlines, notice periods, and refund/credit conditions: N.C. How to initiate: Send a written cancellation request using one of the accepted channels or follow cancellation instructions available in your customer portal or policy documents. |
Required documents: N.C.
Deadlines for submission and time limits for filing: N.C.
Reimbursement method (check, ACH, etc.): N.C.
Available channels to request a certificate (portal, email, phone, mail): N.C.
Information commonly required to issue a certificate (policy number, insured name, pet details): N.C.
Phone: N.C.
Email: N.C.
Postal mail / written notices: Written correspondence is accepted (regular mail, fax, or email) for formal communications.
Online contact form / company site: Chubb pet insurance page provides product and contact information.
Information required to process cancellation: N.C.
Deadlines, notice periods, and refund/credit conditions: N.C.
How to initiate: Send a written cancellation request using one of the accepted channels or follow cancellation instructions available in your customer portal or policy documents.
FAQ
Do I have to pay upfront for veterinary fees with Chubb?
The availability of an advance payment or third‑party vet billing option is N.C.
Confirm with your veterinary clinic and Chubb/Healthy Paws whether direct billing or third‑party payment is supported for your provider.
If direct billing is not available, you will pay the clinic and submit a claim for reimbursement.
Keep itemized invoices and proof of payment to speed claim processing and avoid delays.
How do I cancel my pet insurance policy with Chubb?
To cancel, submit a written cancellation request by mail, fax, or email as instructed in your policy documents or customer portal.
Include your full name, policy number, pet’s name, and the desired cancellation effective date in the request.
Request written confirmation of the cancellation and any pro‑rata refund or final billing details.
If you need clarity on notice periods or refund calculations, contact customer service for a final statement.
What are the waiting periods for accident and illness coverage?
Chubb applies a 15‑day waiting period for both accidents and illnesses before coverage for new conditions begins.
Claims for conditions that arise during the waiting period are typically excluded from coverage.
Verify the exact waiting‑period start date and any state‑specific rules on your declarations page.
For planned procedures, check coverage timing with customer service before treatment.
How do reimbursement rates, deductibles, and limits work?
Reimbursement rates and deductible options are customizable and shown on your policy declarations page.
Your chosen reimbursement percentage determines the portion of eligible costs reimbursed after the deductible is met.
Chubb indicates no annual limit, though coverage may be subject to a lifetime limit—confirm the exact figures on your policy documents.
Contact customer service for an example calculation on a specific anticipated claim.
Which conditions and expenses are commonly excluded from Chubb pet insurance?
Pre‑existing conditions are excluded, as are many preventive and routine services such as vaccinations, spaying/neutering, and standard dental cleanings.
Elective or cosmetic procedures, treatments related to breeding, and injuries from intentional or neglectful acts are not covered.
Age‑related limitations and specific condition exclusions (e.g., certain cruciate ligament rules) may apply depending on enrollment age.
Always review the exclusions section of your policy to determine coverage for a particular condition.
How do I submit and track a claim with Chubb/Healthy Paws?
Submit claims via the Healthy Paws mobile app or the insurer’s online customer portal, where supported, and attach itemized invoices and clinical records.
You can track claim status through the portal or by contacting customer service for updates.
Ask the claims representative for expected processing times and the preferred reimbursement method for your account.
Retain all documentation and follow up promptly if additional information is requested to avoid processing delays.
Do I have to pay upfront for veterinary fees with Chubb?
The availability of an advance payment or third‑party vet billing option is N.C.
Confirm with your veterinary clinic and Chubb/Healthy Paws whether direct billing or third‑party payment is supported for your provider.
If direct billing is not available, you will pay the clinic and submit a claim for reimbursement.
Keep itemized invoices and proof of payment to speed claim processing and avoid delays.
How do I cancel my pet insurance policy with Chubb?
To cancel, submit a written cancellation request by mail, fax, or email as instructed in your policy documents or customer portal.
Include your full name, policy number, pet’s name, and the desired cancellation effective date in the request.
Request written confirmation of the cancellation and any pro‑rata refund or final billing details.
If you need clarity on notice periods or refund calculations, contact customer service for a final statement.
What are the waiting periods for accident and illness coverage?
Chubb applies a 15‑day waiting period for both accidents and illnesses before coverage for new conditions begins.
Claims for conditions that arise during the waiting period are typically excluded from coverage.
Verify the exact waiting‑period start date and any state‑specific rules on your declarations page.
For planned procedures, check coverage timing with customer service before treatment.
How do reimbursement rates, deductibles, and limits work?
Reimbursement rates and deductible options are customizable and shown on your policy declarations page.
Your chosen reimbursement percentage determines the portion of eligible costs reimbursed after the deductible is met.
Chubb indicates no annual limit, though coverage may be subject to a lifetime limit—confirm the exact figures on your policy documents.
Contact customer service for an example calculation on a specific anticipated claim.
Which conditions and expenses are commonly excluded from Chubb pet insurance?
Pre‑existing conditions are excluded, as are many preventive and routine services such as vaccinations, spaying/neutering, and standard dental cleanings.
Elective or cosmetic procedures, treatments related to breeding, and injuries from intentional or neglectful acts are not covered.
Age‑related limitations and specific condition exclusions (e.g., certain cruciate ligament rules) may apply depending on enrollment age.
Always review the exclusions section of your policy to determine coverage for a particular condition.
How do I submit and track a claim with Chubb/Healthy Paws?
Submit claims via the Healthy Paws mobile app or the insurer’s online customer portal, where supported, and attach itemized invoices and clinical records.
You can track claim status through the portal or by contacting customer service for updates.
Ask the claims representative for expected processing times and the preferred reimbursement method for your account.
Retain all documentation and follow up promptly if additional information is requested to avoid processing delays.
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