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Careplus by Chewy Pet Insurance Review

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CarePlus is Chewy's wellness and insurance brand. It offers a unique selection of plans from trusted partners that are specifically designed to deliver a pet-first experience for Chewy customers. Pet insurance and wellness plans are offered through partner providers Trupanion and Lemonade Pet. American Pet Insurance Company underwrites CarePlus plans.

How is Careplus by Chewy rated?

Breakdown

3.5/5
Coverage
3.5/5
Cost
3.5/5
Extras

Overall Rating: 3.5 / 5 (Very good)

Chewy's CarePlus provides options such as an accident-only plan, accident and illness coverage, and additional wellness features, enabling you to tailor your pet insurance to suit your pet's individual requirements. Depending on your location, your Chewy pet insurance may be underwritten by either Lemonade or Trupanion.

CarePlus gets high marks from us for its affordable pricing (starting at $20 per month), 24/7 vet accessibility and quality customer service. The company is accredited by the BBB, where it holds an A+ rating.

Careplus by Chewy Coverage

Coverage - 3.5 / 5

CarePlus offers several types of coverage, including accident & illness, accident only, and wellness.

- Wellness Coverage: Including preventative care like routine veterinarian visits, vaccinations, and flea, tick, and heartworm medications.
- Accidents & Illnesses: Coverage for when your pet is hurt or sick, including big or small injuries, orthopedic issues, treatments for skin conditions, digestive issues, chronic conditions, and age-related diseases. Chewy offers three options for accident & illness coverage: Value, Essential and Complete.
- Accident Only: This stand-alone policy is offered through Trupanion.
Pets Covered
Dogs
Cats
Coverage Types
Medical
Wellness
Vet Selection
Unrestricted
Out-of-State Coverage
Yes

Medical Conditions Covered

  • Accidental
  • Illness

Medical Treatments Covered

  • Diagnostic Testing
  • Prescription Medications
  • Emergency Care
  • Prosthetics & Mobility Aids

Benefit Limits

Benefit Limits - 3.5 / 5

CarePlus by Chewy offers unlimited annual coverage.
Benefit Limit Types
Unlimited

Reimbursement & Deductibles

Reimbursement - 3.5 / 5

All plans have two choices for reimbursement: 80% and 90%. However, there is 100% reimbursement for medicine and supplements if purchased through Chewy.

Deductibles - 3.5 / 5

All plans offered by CarePlus by Chewy have a $250 annual deductible.
Deductible Type
Annual

Pricing: How much does Careplus by Chewy cost?

Cost - 3.5 / 5

CarePlus offers plans starting at $20 per month. Flexible plans can be enhanced through several wellness options, specially designed to meet the individual needs, and budget, of any pet parent. For example, first-time pet parents can select Puppy Wellness offerings that include up to $150 in vaccination costs and regular care for young pets, including spay and neuter.

Starting Monthly Premiums

Dog: Sample Monthly Premium, 1 year old male Golden Retriever in zip code 92683
$70.08
Cat: Sample Monthly Premium, 1 year old male American Shorthair in zip code 92683
$30.54
Rate Details: Rates will vary according to location.
Available Discounts: Trupanion multipet: if you insure 2 or more pets with a Trupanion plan, you'll receive a 10% discount on your monthly premium for all pets (inclusive of wellness and Insurance plans). Lemonade multipet: if you insure 2 or more pets with a Lemonade plan, you'll receive a 5% discount on your monthly premium for all pets (the discount only applies to the Accident & Illness portion of your policy). Lemonade bundling discount: If you’re also covered with Lemonade homeowners, renters, term life, or car insurance, you’ll receive a 10% discount on each policy. Lemonade annual discount: if you choose to pay for a whole year of Lemonade pet insurance upfront, you will receive a 5% discount.

Enrollment & Waiting Periods

Enrollment - 3.5 / 5

CarePlus by Chewy is now available in all 50 US States. The minimum enrollment age for pets is 2 months, and there is no maximum enrollment age.
Accident Waiting Period
5 days
Illnesses Waiting Period
14 days

Claims & Service

Extras - 3.5 / 5

With CarePlus, customers also have access to a wide range of Chewy's already established healthcare offerings including direct access to experts via Connect with a Vet, fast, convenient medication delivery by Chewy Pharmacy, along with the award-winning customer support for which Chewy is known.

Contact & Additional Information

Homepage URL
Year Founded
2023

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Our Partner
  • 100% coverage for prescriptions & more
  • Coverage for wellness checks, accidents & illnessess
  • Free, unlimited access to licensed veterinarians 
  • Direct payments, no payout limits