Medical Plans

PetSmart offers several coverage levels for associates to choose from. Associates will also have the opportunity to select between several carriers for their medical plan.

To learn more about the medical plans, visit the PetSmart Make It Yours site:

Eligible Dependents

Your eligible dependents include:

  • your lawful spouse
  • your domestic partner (who meets certain criteria)
  • your dependent children up to age 26, or who are age 26 or older with a physical or mental disability as defined by the Social Security Administration.

Spousal Surcharge

PetSmart continues to offer medical coverage to your lawful spouse. However, if you decide to cover a spouse who has other medical coverage options available (such as through his/her employer), you will pay a spousal surcharge in addition to your medical cost

The spousal surcharge is $20 per week ($1,040 a year). In addition to the cost of medical coverage, the surcharge is deducted from your pay before taxes.

The spousal surcharge does not apply if your spouse is:

  • Also a PetSmart associate
  • Not employed
  • Employed but not eligible for benefits through his/her current employer
  • Eligible for Medicare or Medicaid

Note: PetSmart conducts periodic audits to ensure that dependents enrolled in the plans meet the eligibility criteria for coverage. Any misrepresentation or falsification of information regarding eligibility for coverage or benefits may result in (i) termination of your PetSmart benefits, (ii) termination of your employment with PetSmart, and (iii) reimbursement to PetSmart of benefits that were improperly obtained.


When you enroll in a PetSmart medical plan, you automatically receive prescription drug coverage. If you enroll in a national medical carrier (Cigna, UnitedHealthcare, Aetna, Anthem Blue Cross), your prescription coverage will be through CVS Caremark. 

You can preview the CVS pre-enrollment site to learn more about prescription coverage if you were to enroll through a national medical carrier. CVS offers RxSavings Plus Program for members, to learn more visit the CVSCaremark website.

If you enroll in a regional carrier, your prescription coverage will be through that regional medical carrier. Formularies for prescription drug coverage can be updated on at least a quarterly basis. Work with your prescription drug carrier for any formulary questions.

Medical Plan Comparison Chart

US Mainland Associates

  Bronze Bronze Plus Silver Gold Platinum
Option type High-deductible option with HSA PPO PPO PPO PPO that offers limited benefits for out-of-network care**
Paycheck contribution $ $$ $$ $$$ $$$$
In-network deductible (individual/family) $3,300/$6,600 $2,300/$4,600 $1,000/$2,000 $800/$1,600 $250/$500
In-network out-of-pocket maximum (individual/family) $6,400/$12,800 $6,700/$13,400 $5,300/$10,600 $3,600/$7,200 $2,300/$4,600

HI Associates

  HMSA Gold Kaiser Gold HMSA Platinum Kaiser Platinum
In-network deductible (individual/family) Combined in-network and out-of-network: $200/$600 $200/$400 N/A N/A
In-network out-of-pocket maximum (individual/family) Combined in-network and out-of-network: $2,200/$6,600 $2,200/$4,400 Combined in-network and out-of-network: $2,500/$7,500


Voluntary Benefits

Even if you have medical insurance, a serious health condition could cost you a lot of money. You could have to pay a deductible, coinsurance, and for any other services that may not be covered (such as long-term rehabilitation or home modification). Critical illness, hospital indemnity insurance and accident insurance are not a replacement for medical coverage.

Critical illness insurance:

  • Pays a single lump-sum benefit if you or a covered family member is treated for a major medical event or diagnosed with a critical illness.
  • Three coverage levels available:
    • $10,000, $20,000, $30,000

Hospital indemnity insurance:

  • You can buy extra insurance through hospital indemnity coverage.
  • Pays a single lump-sum benefit if a covered person is hospitalized.
  • Benefit is based on the type of hospital stay, including hospital admission, daily hospital confinement, and hospital intensive care confinement.

Accident insurance:

  • Pays a benefit if you or a covered family member is in an accident.
  • Accident insurance does not require death or serious injury to be eligible for a benefit.

To submit a claim, review coverage and available credit for any of these voluntary benefits, log into MetLife.