Life and Accident Insurance

Life and accident insurance gives you financial protection by paying a benefit in the event that you have an accident or pass away. Associates also have the option to purchase supplemental insurance coverage for themself and/or eligible dependents.

Basic Life Insurance

PetSmart gives all eligible associates a basic level of life insurance equal to one times annual base salary. You pay nothing for this coverage.

Supplemental Life Insurance

During your initial enrollment in PetSmart benefits, you may elect up to five-times additional life insurance*. This is the only time you can enter at the higher level of coverage. If you choose four or five-times additional level of coverage, you must complete an Evidence of Insurability form provided by Cigna Life Insurance Company of North America. If the additional level of coverage is not approved or you do not return the form, you will be approved for 3 times additional life coverage.

You can choose to purchase life insurance (at group rates) for your eligible dependents***.

Coverage options

Level of coverage


$5,000 or $10,000

Children only

6 months to age 19; to age 26 if primarily supported by the associate

$2,500 or $5,000 for each child

Birth to 6 months

$100 for each child


$5,000 for your spouse and $2,500 for each child ($100 if birth to 6 months old) or $10,000 for your spouse and $5,000 for each child ($100 if birth to 6 months old)

*The maximum amount of life insurance for you, including the basic level of company-paid life insurance and any additional coverage you elect and pay for, is $1 million.

**The amount of coverage in force until the evidence of insurability form is approved is 3x annual base salary, up to the plan maximum of $1 million for basic life plus any additional life insurance coverage.

***Eligible dependent children are unmarried and are at least the age of 14 days but less than 19 years old, or a child who is age 19 or older but younger than age 27 and is primarily supported by the associate.

Accidental Death and Dismemberment (AD&D)

Accidental Death and Dismemberment (AD&D) coverage gives you extra insurance protection in case of certain injuries or death. AD&D coverage is optional. If you want AD&D coverage, you’ll need to choose the same amount as your total life insurance.

Beneficiary Information

Upon your death, the proceeds will be divided between the designated beneficiaries as you have indicated. If your primary beneficiary dies before you, your contingent beneficiary will receive your life insurance benefits.

You should name a beneficiary for your insurance plan(s) when you are first eligible for full-time benefits and, unless legally restricted, you can also change your beneficiary at any time. Annual Enrollment is a good time to review your named beneficiary.

It is important to review your current beneficiary when you experience a life event such as marriage, divorce or the birth of a child to ensure your selection is up to date with your current situation.

After your enrollment period has closed, you can complete a Beneficiary Change Form found here and submit it to the Benefits department for processing.