PetSmart Pet Insurance 2025: Full Review of Coverage, Pros & Cons

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At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available on the market every year to offer you reliable and unbiased analysis. Thanks to this thorough approach, over a million people across the United States trust us each month to help guide their most important financial decisions.

PetSmart Guarantees

PetSmart offers pet insurance through MetLife, providing a comprehensive, flexible plan that covers both accident and illness, with the option to include preventive care and alternative medicine.
Reimbursement rates are customizable—up to 90%—with annual limits and deductibles tailored to the policyholder; eligibility also includes all breeds of cats and dogs with no breed restrictions noted.

Key strengths include the absence of per-incident caps, broad coverage of exam fees, medications, diagnostics, alternative therapies, and telehealth, plus wellness options for preventive care, spaying/neutering, and microchipping.

Weaknesses involve pre-existing condition exclusions, benefit limits for lost pet advertising or cremation, and coverage that is strictly limited to the United States.
PetSmart—through MetLife—stands out for flexibility and high potential reimbursement, but as with many providers, out-of-pocket costs may still arise for excluded items, pre-existing conditions, or charges above the annual policy limit.

Compare available plans to find the best coverage and rate for your pet’s needs.

Policy Perks and Benefits

Deductible decreases by $50 for every claim-free year; up to $500 additional policy limit added at renewal if eligible; claims can be submitted in the mobile app; telehealth is included with all plans; all benefits subject to annual policy limit and exclusions.

PetSmart Exclusions

PetSmart Prices

PetSmart, through MetLife Pet Insurance, offers a mid-range pricing structure that balances flexible coverage options with reasonable premiums. The plans allow customers to select reimbursement percentages and deductible amounts, resulting in monthly costs that adapt well to different budgets and pet profiles.

The inclusion of benefits such as telehealth services and a mobile claims app provides value beyond basic accident and illness coverage, justifying the moderate pricing. While not the cheapest on the market, PetSmart’s approach positions it as a competitive option for those seeking customizable protection without the premium price of more comprehensive providers or the limitations of budget plans.

Compare plans and find the price that best fits your pet’s needs below.

PetSmart Promo Codes

Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.

PetSmart Reimbursement Information

With PetSmart’s highest-tier plan (MetLife Pet Insurance), after you pay your annual deductible, you receive 100% reimbursement for covered veterinary expenses up to your policy’s annual limit—significantly reducing your out-of-pocket costs compared to paying vet bills alone.

Annual Exam and Vaccinations Cost Breakdown

Total vet costs: $220 (consultation, core vaccines, heartworm test)
Deductible amount to subtract: $250 (this is the first claim of the year)
👉 Amount reimbursable after deductible: $220 – $250 = $0 (deductible not yet met)
Out-of-pocket cost: $220 (full cost covered by you—future claims this year will be covered in full up to your annual limit, because the deductible has now been met)
ℹ️ Preventive care is covered under this plan, and the deductible is only applied once per year. After you meet your deductible, all additional covered expenses are reimbursed at 100% within your coverage cap.

Emergency surgery reimbursement

Total vet costs: $2,000
Deductible already paid earlier in the year
Amount reimbursed at 100%: $2,000 × 100% = $2,000
👉 You receive $2,000—your out-of-pocket cost is $0 (up to policy limits).
ℹ️ Because the deductible was met on a prior expense, all eligible veterinary bills for the remainder of the policy period are fully reimbursed at 100% until you reach your annual coverage limit.

Reimbursement Example: Chronic Ear Infection

Total vet costs: $400 (diagnostics, medication, recheck visits)
Deductible already used on previous claims
Amount reimbursed at 100%: $400 × 100% = $400
👉 You receive $400, with $0 out-of-pocket for this covered treatment.
ℹ️ This scenario shows the powerful financial protection offered by the highest-tier plan. Reimbursements are rapid and comprehensive, especially for ongoing conditions, as long as you’re within your coverage year and annual policy maximum.

PetSmart Assistance

PetSmart’s partnership with MetLife provides policyholders with some useful digital services, such as a mobile app for claims submission and 24/7 telehealth access, making routine healthcare management more convenient.

However, there is no advance payment feature—owners must pay veterinary bills up front and wait for reimbursement—and payment facility options like fee-free installment plans are not advertised.

The absence of a dedicated partner vet clinic network or 24/7 emergency phone line limits PetSmart’s assistance compared to some competitors, especially in critical scenarios.

International coverage is restricted to the US, with no option for reimbursement abroad, which may be a concern for those traveling with their pets.
While the claims process is entirely paperless and user-friendly, more hands-on, proactive support services for emergencies and international travel would strengthen PetSmart’s offering.

Customer Reviews of PetSmart

We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to PetSmart’s insurance for their pets often mention:
✅ A straightforward digital claims process via MetLife’s app or portal is appreciated for its convenience.
✅ Flexible policy options and the ability to use any licensed veterinarian in the US are valued by many users.
✅ Telehealth access and the inclusion of preventive care in higher-tier plans receive favorable comments.

On the negative side:
❌ A low rating is commonly attributed to slow, sometimes difficult claims reimbursement experiences and inconsistent customer service quality.
❌ An absence of advance payment options and the need to pay vet bills up front frustrate several policyholders.
❌ Annual premium increases and lack of direct coverage for treatments outside the US are frequent sources of dissatisfaction.
❌ Several users report denied claims due to exclusions for pre-existing conditions or unclear policy wording.

Contacting PetSmart

FAQ

Jordan Mitchell

Personal finance editor

Jordan is a U.S.-based personal finance editor with over a decade of experience in financial literacy and consumer advocacy. He holds a BA in Economics from the University of California, Berkeley, and a CFP® certification. Before joining HelloSafe, Jordan worked as a financial advisor and later as lead content strategist at several fintech startups. His mission: making money management clear, relatable, and empowering for everyday Americans. At HelloSafe, he writes in-depth guides on topics like insurance, credit, loans, savings, and budgeting—focused on helping readers make smart, confident financial choices.