Enrollment Checklist
- Learn more about the medical, dental and vision benefits on the PetSmart Make It Yours site
- US Mainland associates: PetSmart Make It Yours
- HI associates: PetSmart Make It Yours
- Log into the PetSmart Benefits Portal to make your 2027 elections, beginning October 12th
- Confirm beneficiary designations
- Utilize the Help Me Choose tool during the enrollment process to carefully review all of your options and prices
- Review current election and make changes, if desired
- Reminder – you can only change your benefit elections during open enrollment, or with a qualified life event
- If enrolled in an FSA or HSA, elect contributions for 2027 (elections do not roll over from year to year). Beginning 1/1/2027, HealthyEquity will be replacing Optum.
- When you enroll, you’ll be asked if you want
to transfer your current HSA funds into your new HSA through HealthEquity. Submit your transfer request form by January 15, 2027, to transfer your funds at no cost.
- When you enroll, you’ll be asked if you want
- Complete enrollment
- Review and print or save a copy of your confirmation statement
Want More Information?
Check out the PetSmart Make It Yours site, where you can:
- Review plan details
- See comparison charts
- Compare carriers
- Browse Frequently Asked Questions
- Prepare for enrollment
We understand that benefits are a crucial part of your total compensation and each associate has different health & well-being needs. That’s why PetSmart provides a variety of plans and carriers to best meet you and your family’s needs.
As you know, health insurance benefits costs are shared between PetSmart and the associate. When we face rising health care costs, PetSmart and our associates are impacted by changes in insurance rates from our carriers.
We encourage all eligible associates to review their benefit plan options through the Help Me Choose tool to find the right fit for coverage in 2027, even if you choose to make the same elections.
Please review all plan information carefully as associates who do not make any changes to their current plan elections may see an increase per pay period. However, an associate may be able to choose a lower cost carrier or a different coverage plan that could result in a decrease in premiums for 2027.
If you do not make any changes, your current plan type and carrier will carry over to 2027, except HSA/FSA.
For associates not eligible for medical, dental, or vision benefits, PetSmart offers a variety of other benefits such as 401K, discount programs – and more. Explore the rest of the benefit website to learn more about all of the AWEsome Offerings.
What’s New for 2027?
- Our HSA/FSA vendor will be moving from Optum to HealthEquity.
- When you enroll, you’ll be asked if you want
to transfer your current HSA funds into your new HSA through HealthEquity. - Submit your transfer request form by January 15, 2027, to transfer your funds at no cost.
- When you enroll, you’ll be asked if you want
- Our Employee Assistance Program will be changing from Ally to PetSmart EAP in partnership with GuidanceResources. This new program will provide extended counseling services, work and lifestyle support, legal guidance, financial resources, digital tools and more!
Weekly Medical Costs
Below are the low-cost weekly rates that will be available to all associates. The carrier that holds the low-cost plan will be dependent on which region you reside in.
The rates you see in the PetSmart Benefits Portal will reflect whether you are salaried or hourly.
2027 Weekly Medical Rates*
| Bronze | Bronze Plus Alt |
Silver Alt I |
Gold | Platinum Alt |
|
|---|---|---|---|---|---|
| EE Only | $31 | $47 | $88 | $109 | $139 |
| EE+Spouse/Domestic Partner | $85 | $122 | $221 | $273 | $345 |
| EE+Child(ren) | $85 | $112 | $187 | $226 | $280 |
| EE+Family | $139 | $189 | $320 | $389 | $485 |
*Low Cost based on National Carrier. CA has a split subsidy strategy between HMO/EPO and PPO products offered (not illustrated)
*Numbers rounded to whole dollars for illustration.
*Coverage options and rates differ for HI.
Program Highlights
- PetSmart HSA seed will continue to be disbursed per paycheck in 2027, and amounts will remain the same*:
- $250 for associate only
- $500 for associate plus dependent coverage
- *Prorated amount for new hires throughout the year
- Your MetLife Voluntary Benefits (Accident, Critical Illness, Hospital Indemnity) provide a $50 per person, per year Health Screening Benefit. The process to collect the benefit is easy and you can have your money in as little as 3 days.
- Step 1 – Have a preventive screening (i.e., dental cleaning, annual eye exam, colonoscopy, mammogram)
- Step 2 – File online or by phone
- Step 3 – Receive up to $150 for that screening (if you are enrolled in all 3 plans, you file once and receive a benefit from each)
Frequently Asked Questions
Haven’t found what you’re looking for? Check out these frequently asked questions.
All premiums can be found in the new PetSmart Benefits Portal. The PetSmart Benefits Portal will be your one stop shop to make all your enrollment decisions, including additional life insurance, voluntary benefits and more!
A health savings account allows you to save money for qualified medical expenses for this year and the future. Associates that enroll in a qualifying High Deductible Health Plan (HDHP) get access to enroll in a Health Savings Account (HSA). PetSmart contributes to your HSA each year you are enrolled. Individual coverage enrollment earns $250/year, and family coverage earns $500/year – that’s free money! PetSmart HSA seed will be disbursed per paycheck.
Your HSA is yours to keep. Any money in your Health Savings Account, including employer contributions, remains available for future qualified medical expenses and does not expire, even if you change health plans, change employers, or retire.
If you enroll in an HSA-qualified High Deductible Health Plan (HDHP) for 2027, you can continue contributing to your HSA through payroll deductions, up to IRS annual contribution limits.
If you have an existing HSA that will be transferred to HealthEquity, you may be required to complete an electronic consent (e-consent) form to authorize the transfer. Members with invested HSA funds should review any transfer instructions carefully. In some cases, investments may need to be liquidated before funds can be transferred. Additional details and any required actions will be communicated directly to affected members. Information regarding e-consent requirements and investment liquidation prior to transfer is included in HealthEquity HSA transfer communications.
It is extremely important to name a beneficiary because in the event of your death, we must know who you designate to receive the benefit proceeds. If a beneficiary is not named, or hasn’t been updated, the insurance policy or state law decides who receives the funds. We want to make sure the proceeds go to the person, trust, or organization of your choice so we encourage you to review your beneficiaries and make any necessary changes.