Pet Insurance

At Heart of Chelsea Veterinary Group, we want to make sure you’re aware of resources that can help you keep your pet healthy and happy. We also understand that ongoing care can be costly, so we recommend having insurance for your pet. Heart of Chelsea Veterinary Group is not affiliated with a specific insurance company. However, we do interact with most of them while assisting clients with their claim submissions.

Every insurance company has its own unique set of benefits and plans, so it’s important to do your homework to see what works best for your lifestyle. We hope you find a policy that is the right fit for you and your pet. We typically recommend an insurance policy that covers hereditary and congenital conditions, has an annual deductible, offers a 90% reimbursement, and has at least a $20,000 annual limit.

Please note that no insurance company covers pre-existing conditions and most plans are subject to a waiting period before coverage actually takes effect.

Your Personal Insurance Specialist

Already have insurance? Have questions about a recent claim and your reimbursement? We are happy to provide an insurance specialist to submit claims on your behalf, provide medical records or guide you with submitting your own claims.
Jennifer Abitino
Pet Insurance Specialist
Direct Line: 646-923-6544

Insurance Resources


Pumpkin is a pet health company offering pet insurance plans for accidents & illnesses plus a unique wellness package called Preventive Essentials. While not insurance, it’s an optional benefit you can add to your Pumpkin insurance plan to get refunds for key wellness services.

Have pet insurance questions? The Pet Insurance Pawcierge by Pumpkin is here to help and give you personalized advice! Heart of Chelsea clients get special access and a priority phone line to a team of insurance pros and pet specialists with Pumpkin’s concierge service.


This is a great resource to get personalized insurance recommendations and compare companies side by side.


It helps our clients to know that they have comprehensive coverage, with flexible options of Deductible and Reimbursement Percentages. It is best to call them directly in order to get a $20,000 or unlimited annual plan, as those options are not currently available online. Their Customer Service Team can help you choose the right policy for your needs and can be reached at 877-738-2677.

Pet’s Best Insurance

Pet’s Best offers comprehensive coverage for accidents and Illnesses, with flexible options, including wellness add-ons for routine care. Their wide range of plans and coverage options make it easy to find the right coverage at the right price.

Healthy Paws Insurance

Healthy Paws is excellent insurance that covers major accidents and illnesses at a more affordable rate. They offer a 90% unlimited plan that can be beneficial for unexpected accidents and illnesses. They also have a very useful mobile app that can help you track the status of your claims and reimbursements.

Embrace Insurance

Embrace has comprehensive coverage with wellness options and even offers dental coverage up to $1000. They also have a unique diminishing deductible feature to their plans. This means each year you don’t receive a claim payment, they decrease your deductible by $50.

Wagmo Wellness

If you are interested in wellness coverage, a good value for wellness services is through Wagmo. Unlike insurance, Wagmo Wellness plans reimburse you for the routine care that you are already doing for your pet. Wagmo Wellness plans include coverage for things like vet visits, grooming, and more. Wellness care is something that should be purchased in addition to an accident or illness plan since a wellness plan will offer no protection should your pet get sick or injured.

Insurance disclosure from Pumpkin: Pumpkin pet insurance plans are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), and are produced by Pumpkin Insurance Services Inc. (“Pumpkin”) (NPN#19084749). For all terms and limitations visit policy. Pumpkin Preventive Essentials is offered as an optional add-on non-insurance benefit. Pumpkin is responsible for the product and administration. For full terms, visit Pumpkin Preventive Essentials is not available in all states.

The ASPCA® is not an insurer and is not engaged in the business of insurance. Products are underwritten by United States Fire Insurance Company (NAIC #21113. Morristown, NJ), produced and administered by C&F Insurance Agency, Inc. (NPN # 3974227), a Crum & Forster company. Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution. C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. Crum & Forster Pet Insurance Group™ is a trademark of United States Fire Insurance Company. The Crum & Forster group of companies is rated A (Excellent) by AM Best Company 2020.

Pet insurance coverage offered and administered by Pets Best Insurance Services, LLC is underwritten by American Pet Insurance Company, a New York insurance company headquartered at 6100 4th Ave. S Suite 200 Seattle, WA 98108. Please see to review all available pet health insurance products underwritten by APIC. Current customers, please refer to your declarations page to determine the underwriter for your policy. Pets Best is a Synchrony Health and Wellness solution.

Insurance offered by Healthy Paws Pet Insurance is provided by ACE American Insurance Company, Westchester Fire Insurance Company, Indemnity Insurance Company of North America, ACE Property and Casualty Insurance Company and Atlantic Employers Insurance Company, and one or more of their U.S. based Chubb underwriting company affiliates. Chubb is the marketing name used to refer to subsidiaries of Chubb Limited providing insurance and related services. For a list of these subsidiaries, please visit our website at This communication contains product summaries only. Coverage is subject to the language of the policies as actually issued. Surplus lines insurance is sold only through licensed surplus lines producers. Chubb, 202 Hall’s Mill Road, Whitehouse Station, NJ 08889-1600. Healthy Paws Pet Insurance & Foundation is the brand name for the program operations of Healthy Paws Pet Insurance, LLC. Healthy Paws Pet Insurance, LLC is a licensed producer in all states (TX license # 1636108); operating in California as Healthy Paws Pet Insurance Services, LLC (CA license #0H16053), and in New York as Healthy Paws Pet Insurance Agency, LLC.

Pet health insurance administered by Embrace Pet Insurance Agency, LLC is underwritten by one of the licensed insurers of American Modern Insurance Group, Inc., including American Modern Home Insurance Company d/b/a in CA as American Modern Insurance Company (Lic. No 2222-8), and American Southern Home Insurance Company. Coverage is subject to policy terms, conditions, limitations, exclusions, underwriting review, and approval, and may not be available for all risks or in all states. Rates and discounts vary, are determined by many factors, and are subject to change. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. © 2022 American Modern Insurance Group, Inc.

Wagmo Wellness is not an insurance policy. It is offered separately and distinctly from insurance, and customers may purchase either product on a standalone basis. Wagmo is responsible for the product and administration. For more information on Wagmo Wellness, please visit Wagmo Wellness and Wagmo Wellness Membership Agreement


257 West 18th Street
New York, New York 10011
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