Chubb Pet Insurance 2025: In-Depth Review of Coverage, Plans, and Benefits
Our expert's opinion on Chubb
Chubb’s pet insurance policy, underwritten by Westchester Fire Insurance Company, offers comprehensive illness and accident coverage for dogs and cats, with a flexible financial structure centered on adjustable lifetime limits, reimbursement rates (coinsurance), and deductibles tailored to each policyholder. Unlike many competitors, Chubb does not set annual or per-claim caps—only an overall lifetime reimbursement limit—prioritizing high-value claims protection, while its pricing typically positions it between streamlined, lower-cost options and strict, premium-tier policies. This approach makes Chubb particularly well-suited for owners of young or middle-aged pets or those desiring large, flexible coverage limits and high potential reimbursements, especially for purebreds or those with known future medical needs. As part of Chubb Group—one of the world's largest insurers with over $200 billion in assets and $21 billion paid in claims in 2023—the brand boasts strong financial reliability; while no Trustpilot score is available specifically for Chubb’s pet insurance, its average claim reimbursement is processed within 60 days per policy requirements, though the experience for pet products may vary. Digital-first competitors with paperless claims may process reimbursements faster, but Chubb’s global claims infrastructure provides peace of mind for those prioritizing stability and tailored policy terms.
- ✅No annual or per-incident reimbursement caps
- ✅Customizable coinsurance, deductible, and lifetime limit
- ✅Comprehensive illness and accident protection
- ✅Strong global financial strength: $200B assets
- ✅Coverage for surgery, hospitalization, diagnostics
- ✅Applies in US and for temporary travel to Canada
- ✅Free-look cancellation within 30 days
- ❌No coverage for preventive care or exam fees
- ❌12-month hip dysplasia waiting period, more for older pets
- ❌No wellness or routine dental budget
- ❌Claims can take up to 60 days for reimbursement
- ❌No digital-only or paperless claims guarantee
- ✅No annual or per-incident reimbursement caps
- ✅Customizable coinsurance, deductible, and lifetime limit
- ✅Comprehensive illness and accident protection
- ✅Strong global financial strength: $200B assets
- ✅Coverage for surgery, hospitalization, diagnostics
- ✅Applies in US and for temporary travel to Canada
- ✅Free-look cancellation within 30 days
Our expert's opinion on Chubb
ScoreChubb’s pet insurance policy, underwritten by Westchester Fire Insurance Company, offers comprehensive illness and accident coverage for dogs and cats, with a flexible financial structure centered on adjustable lifetime limits, reimbursement rates (coinsurance), and deductibles tailored to each policyholder. Unlike many competitors, Chubb does not set annual or per-claim caps—only an overall lifetime reimbursement limit—prioritizing high-value claims protection, while its pricing typically positions it between streamlined, lower-cost options and strict, premium-tier policies. This approach makes Chubb particularly well-suited for owners of young or middle-aged pets or those desiring large, flexible coverage limits and high potential reimbursements, especially for purebreds or those with known future medical needs. As part of Chubb Group—one of the world's largest insurers with over $200 billion in assets and $21 billion paid in claims in 2023—the brand boasts strong financial reliability; while no Trustpilot score is available specifically for Chubb’s pet insurance, its average claim reimbursement is processed within 60 days per policy requirements, though the experience for pet products may vary. Digital-first competitors with paperless claims may process reimbursements faster, but Chubb’s global claims infrastructure provides peace of mind for those prioritizing stability and tailored policy terms.
- ✅No annual or per-incident reimbursement caps
- ✅Customizable coinsurance, deductible, and lifetime limit
- ✅Comprehensive illness and accident protection
- ✅Strong global financial strength: $200B assets
- ✅Coverage for surgery, hospitalization, diagnostics
- ✅Applies in US and for temporary travel to Canada
- ✅Free-look cancellation within 30 days
- ❌No coverage for preventive care or exam fees
- ❌12-month hip dysplasia waiting period, more for older pets
- ❌No wellness or routine dental budget
- ❌Claims can take up to 60 days for reimbursement
- ❌No digital-only or paperless claims guarantee
- ✅No annual or per-incident reimbursement caps
- ✅Customizable coinsurance, deductible, and lifetime limit
- ✅Comprehensive illness and accident protection
- ✅Strong global financial strength: $200B assets
- ✅Coverage for surgery, hospitalization, diagnostics
- ✅Applies in US and for temporary travel to Canada
- ✅Free-look cancellation within 30 days
- The Chubb Guarantees
- Chubb Exclusions
- Chubb Prices
- Chubb Assistance
- Customer reviews of Chubb
- Contact Chubb
- FAQ
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At HelloSafe, our pet insurance expert reviews the terms and pricing of insurance policies on the market every year to provide you with a reliable and unbiased analysis. Thanks to this rigorous approach, over one million users in the US trust us each month to guide them in their most important financial decisions.
The Chubb Guarantees
To find the best value for your pet, compare plan features and costs before purchasing pet insurance.
Chubb offers a single standard pet insurance plan in the US, focusing on reimbursement for veterinary expenses related to accidents and illnesses, with flexible reimbursement rate and deductible options specified by the policyholder.
Coverage extends to both dogs and cats—not for working, breeding, or commercial purposes—and there is no annual or per-claim limit, only a lifetime maximum selected at enrollment.
Chubb stands out for not capping annual payouts and for offering broad medical coverage for surgery, diagnostics, and hospitalization, but it does not reimburse regular exam or consultation fees, preventive care, or most dental treatments except after accidental trauma.
A notable weakness is that there is no wellness/preventive care package, and certain exclusions are extensive: spaying/neutering, elective procedures, dental not related to trauma, and chronic conditions evident before coverage are all excluded.
Coverage is limited to the United States with short-term coverage in Canada, and a detailed veterinary exam is compulsory shortly before or after policy start for all pets.
| Name of coverage | Chubb Pet Health Insurance |
|---|---|
| Plan positioning | Standard customizable |
| Type of coverage (accident, illness, both, etc.) | Accident and illness (after waiting) |
| Animals covered (dogs, cats, other) | Dogs, cats (no commercial use) |
| Reimbursement rate (%) | Customizable (refer to policy) |
| Annual reimbursement limit | No annual/per-claim limit |
| Deductible (annual or per claim) | Customizable (refer to policy) |
| Age limits for enrollment (for dogs and cats) | None stated, but extra limits >6 yrs |
| Pre-enrollment health questionnaire | Clinical exam required |
| Waiting period (illness) | 15 days |
| Waiting period (accident) | 15 days |
| Lifetime coverage once subscribed | Yes, pending compliance |
| Vet consultations (regular + emergency) | ❌ Not covered (fees excluded) |
| Medications | ✅ For covered conditions |
| Hospitalization | ✅ For covered events |
| Surgery (including anesthesia) | ✅ For covered accidents/illnesses |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅ For covered events |
| Dental care (includes scaling and procedures) | ❌ Only post-accidental trauma, not routine |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | ❌ Not covered |
| Alternative medicine (osteopathy, acupuncture, etc.) | ❌ Not covered |
| Travel coverage (countries included, duration) | United States, temporary in Canada |
| Civil liability | ❌ Not covered |
| Euthanasia | ✅ Medical necessity, covered event |
| Death & cremation coverage | ❌ Not covered |
| Theft or loss of pet + search expenses | ❌ Not covered |
| Boarding fees (if owner is hospitalized) | ❌ Not covered |
Age-Related Conditions and Requirements
For pets aged 6 or older at enrollment, hip dysplasia-related illness is always excluded.
A clinical veterinary exam within 12 months (pets under 6) or 30 days (pets 6 or older) pre-policy—or within 15 days after start—is mandatory.
Chubb Exclusions
Chubb pet insurance, underwritten by Westchester Fire Insurance Company and including Healthy Paws, has notable exclusions such as no reimbursement for veterinary examination fees, preventive care, or dental care except in cases of accident-related trauma.
There are specific waiting periods: 15 days for illness or accident, and 12 months for hip dysplasia (with age-related restrictions).
Pre-existing conditions, elective or cosmetic procedures, breeding-related care, and injuries to working pets (like racing or law enforcement dogs) are not covered.
Additional exclusions include complications from lack of preventive care, certain recurring or breed-predisposed conditions, and losses from war or nuclear incidents.
Eligibility requires a recent veterinary exam; failure to meet this condition or to comply with preventive requirements can void the policy.
| Exclusions | Details |
|---|---|
| Medical exclusions |
|
| Claims and provider exclusions |
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| Behavioral and activity exclusions |
|
| Geographic exclusions |
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| Identification exclusions |
|
- Pre-existing conditions and complications
- Illness/injury within first 15 days
- Hip dysplasia illnesses in first 12 months (and for pets ≥6 years at sign-up)Preventive care (vaccinations, deworming, etc.)
- Dental care (except for accident trauma)
- Amounts exceeding standard vet charges
- Anal gland expression, special diets, vitamins, grooming
- Veterinary examination/consultation fees
- Elective/cosmetic procedures (declawing, tail docking, etc.)
- Boarding, shipping (outside medication/testing)
- Diagnosis/tests for excluded conditions
- Treatment/consultation by owner or family member
- Training, therapy, or behavioral modification expenses
- Injury/illness from intentional neglect, illegal activities
- Injuries to working, breeding, racing, or commercial pets
- Coverage valid in US and temporary in Canada
- War, nuclear/radiological events not covered
- Recent comprehensive veterinary exam required (timing depends on pet age), failure results in policy voidance
Chubb Prices
Chubb occupies an upper-mid price tier in the pet insurance market, with premiums reflecting broad illness and accident coverage, high lifetime limits, and options for low coinsurance and deductibles.
Its policy is especially comprehensive for injuries, illnesses, hospitalization, surgery, and advanced diagnostics, but does not include office visit fees, wellness, dental (except for accidents), or preventive care, which positions it as less expensive than all-inclusive premium plans.
The absence of annual or per-claim limits paired with strong claims service supports higher premiums compared to budget or limited-coverage providers.
Digital claims processes and simplified product structure enhance efficiency, but do not produce the deep price cuts seen with pure digital-first competitors.
Overall, Chubb is best characterized as mid-range to expensive but comprehensive, targeting pet owners seeking strong protection for major veterinary events.
| Chubb Standard Plan | |
|---|---|
| Young cat (2–4 years) | $27/month |
| Senior cat (7–8 years) | $39/month |
| Small breed dog | $32/month |
| Small breed dog (2–4 years) | $32/month |
| Large breed dog (2–4 years) | $48/month |
| Senior dog (7–8 years) | $74/month |
Compare Chubb plans now to find the most suitable and cost-effective pet insurance for your pet.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!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.
Chubb Reimbursement
With Chubb’s premium pet insurance, you pay your annual deductible once, then typically receive 80% or more back on eligible veterinary expenses for covered illnesses and accidents, up to your plan’s lifetime limit.
✅ Example 1: Treatment for acute pancreatitis
Total vet costs: $1,800 (consultation, diagnostics, hospitalization, medication)
Deductible amount to subtract: $250 (first claim of the year)
Amount eligible after deductible: $1,800 – $250 = $1,550
Reimbursement at 80%: $1,550 × 80% = $1,240
👉 You receive a reimbursement of $1,240.
ℹ️ After your deductible is met, only your share of coinsurance applies to future claims for the rest of the year.
✅ Example 2: Surgery for torn cruciate ligament
Total vet costs: $2,700 (surgery, anesthesia, post-op care)
Deductible already used earlier in the same policy year
Reimbursement at 80%: $2,700 × 80% = $2,160
👉 You receive $2,160.
Remaining out-of-pocket for this procedure: $540, with no annual or per-claim cap on lifetime plan coverage.
✅ Example 3: Emergency care after ingesting foreign object
Total vet costs: $1,100 (x-rays, endoscopy, overnight observation)
Deductible already met
Reimbursement at 80%: $1,100 × 80% = $880
👉 You receive $880.
ℹ️ Preventive care and routine expenses are not covered under this plan, but emergency treatments are reimbursed as outlined above.
Chubb Assistance
| Assistance Chubb | Available? | Details |
|---|---|---|
| Advance payment | ❌ | N.C. Advance payment service such as CareCredit or Payvet is not referenced. Reimbursement requires owner to pay vet first and then submit a claim. |
| Payment facilities | ❌ | N.C. No information on interest-free payment installments or monthly payment spreading for large vet bills. |
| Mobile app | ❌ | N.C. No dedicated pet insurance mobile app is mentioned for claims, claims tracking, or policy management. |
| Paperless claims process | ❌ | N.C. Claims are filed by submitting required paperwork but no mention is made of an online portal or digital upload process for pet insurance. |
| Emergency vet service | ❌ | N.C. No dedicated 24/7 helpline or veterinary teleconsultation service for urgent questions or triage is noted in policy. |
| Vet/clinic partner network | ❌ | N.C. No reference to a preferred or partner veterinary network; care is valid with any licensed US vet per contract, but without negotiated clinic agreements. |
| Coverage abroad | ✅ | Coverage is valid in the US and for short-term travel in Canada. No cover is available elsewhere or for long-term foreign stays. |
Customer reviews of Chubb
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.1 out of 5 (2,551 reviews) |
We analyzed reviews from the sites listed above. On the positive side:
- A rapid and straightforward claims process, with many users experiencing quick reimbursements within a few days.
- An easy-to-use online system for submitting claims and managing their policy makes access convenient.
- A high degree of satisfaction with coverage for large, unexpected veterinary costs, particularly for accidents and severe illnesses.
- A helpful and compassionate customer service experience, especially during serious or emergency events.
On the negative side:
- A notable number of claim denials, often related to pre-existing conditions or interpretations of waiting period exclusions, are a recurring theme in reviews.
- A significant increase in premiums as pets age, with some owners reporting steep hikes with little notice.
- A perception among some policyholders that recent changes, associated with Chubb’s acquisition, have led to slower claim processing and less responsive customer support.
- A sense of distrust from some users, who report frustration with documentation requirements and the appeals process for denied claims.
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. |
| To request and track a reimbursement | Submit your claim online or by mail with a completed claim form, all original itemized invoices, and complete medical records for your pet. Claims can be tracked through the customer portal or by contacting Chubb at 1-800-252-4670 or [email protected]. Payments are made by direct deposit or check. Most claims are processed within 30-60 days of receiving all required documents. |
| To obtain a certificate of insurance | Contact Chubb Customer Service at 1-800-252-4670 or [email protected]. Provide your policy number and insured pet's details. The certificate can be mailed or emailed to you. |
| To contact assistance | For general assistance, policy questions, or claims help, call 1-800-252-4670 or email [email protected]. You can also write to Chubb, 202B Hall’s Mill Road, Whitehouse Station, NJ 08889, USA. |
| To cancel my policy | Send written notice at least 14 days before your next premium due date. You may email [email protected], fax the request, or mail a signed notice to Chubb, 202B Hall’s Mill Road, Whitehouse Station, NJ 08889, USA. Include your policy number and pet’s details. A pro-rata refund is issued if no claim was made. |
FAQ
Do I have to pay upfront for veterinary fees with Chubb?
Yes, Chubb pet insurance is a reimbursement policy, so you must pay your veterinarian directly at the time of service. Once you have paid, you submit your claim and required documents to Chubb for reimbursement. There is no advance payment system or third-party payment offered.
How do I cancel my pet insurance policy with Chubb?
To cancel your Chubb pet insurance policy, you must send a written notice via email, fax, or regular mail at least 14 days before your next premium due date. Include your policy number and pet’s details in the request. If you have not made a claim, a full or pro-rata refund may be available.
What does Chubb pet insurance cover and exclude?
Chubb covers medically necessary veterinary treatment for accidents and illnesses that occur during the policy term, after applicable waiting periods. It does not cover preventive or routine care, pre-existing conditions, vet exam fees, elective or cosmetic procedures, or any illness or injury that occurred prior to coverage. Check your policy documents for a full list of covered and excluded treatments.
How do I file a claim, and how long does reimbursement take?
To file a claim, submit a completed claim form, itemized invoices, and your pet’s full medical records. Claims can be sent by mail, fax, or online where available. Once all required paperwork is received, Chubb processes claims within 60 days, often sooner if required by state law. Reimbursement is made by direct deposit or mailed check.
Are there waiting periods or age restrictions for coverage?
There is a waiting period of 15 days after policy activation for accidents and illnesses, and 12 months for hip dysplasia (for pets under 6 years old at enrollment). Pets aged 6 years or older are not covered for hip dysplasia-related illnesses. You must provide proof of a recent veterinary exam before or shortly after starting coverage to maintain eligibility.
Do I have to pay upfront for veterinary fees with Chubb?
Yes, Chubb pet insurance is a reimbursement policy, so you must pay your veterinarian directly at the time of service. Once you have paid, you submit your claim and required documents to Chubb for reimbursement. There is no advance payment system or third-party payment offered.
How do I cancel my pet insurance policy with Chubb?
To cancel your Chubb pet insurance policy, you must send a written notice via email, fax, or regular mail at least 14 days before your next premium due date. Include your policy number and pet’s details in the request. If you have not made a claim, a full or pro-rata refund may be available.
What does Chubb pet insurance cover and exclude?
Chubb covers medically necessary veterinary treatment for accidents and illnesses that occur during the policy term, after applicable waiting periods. It does not cover preventive or routine care, pre-existing conditions, vet exam fees, elective or cosmetic procedures, or any illness or injury that occurred prior to coverage. Check your policy documents for a full list of covered and excluded treatments.
How do I file a claim, and how long does reimbursement take?
To file a claim, submit a completed claim form, itemized invoices, and your pet’s full medical records. Claims can be sent by mail, fax, or online where available. Once all required paperwork is received, Chubb processes claims within 60 days, often sooner if required by state law. Reimbursement is made by direct deposit or mailed check.
Are there waiting periods or age restrictions for coverage?
There is a waiting period of 15 days after policy activation for accidents and illnesses, and 12 months for hip dysplasia (for pets under 6 years old at enrollment). Pets aged 6 years or older are not covered for hip dysplasia-related illnesses. You must provide proof of a recent veterinary exam before or shortly after starting coverage to maintain eligibility.
