Overview

As a pet owner, you want to make sure your furry friend has access to the best possible care. CarePlus offers a unique selection of wellness and insurance plans that are specifically designed for Chewy customers to deliver a pet-first experience.

With CarePlus, you can choose from plans that cover wellness preventative care and accident and illness coverage or combine them for comprehensive protection. Whether your furry friend is a cat or dog, Chewy has got you covered with plans that fit every budget. Chewy Health is committed to the well-being of your pet, and with CarePlus, you have the ability to provide your pet with the best possible care during all of life's moments.

Policies

CarePlus by Chewy pet insurance offers a diverse range of pet wellness and insurance plans that can be purchased separately or combined. The plans are provided in partnership with Trupanion and Lemonade, well-known insurers with a reputation for excellent customer satisfaction.

When you enroll in an insurance or wellness plan, Trupanion or Lemonade will contact you regarding your plan. Perks of Trupanion include 24/7 live agent support, direct-to-vet claims payments, and over two decades of insurance experience. And perks of Lemonade include fast app-based service, instant claims payment, and the ability to support charities you care about.

Insurance plans are designed to assist in unexpected accidents and illnesses. These cover various healthcare needs such as surgeries, X-rays, medications, and hospitalization fees. To maximize coverage, enrolling your pet in a plan while they are young and healthy is advisable, as pre-existing conditions would not be covered if they fall ill or get injured before being insured.

On the other hand, wellness plans are affordable annual packages that focus on preventative care for your pet. These plans cover veterinary exams, vaccines, lab tests, dental cleaning, spaying/neutering, and flea, tick, and heartworm medications.

If you wish to bundle a wellness plan with an insurance plan for the same pet, both plans must be from either Trupanion or Lemonade. However, if you have multiple pets, you can choose a Trupanion plan for one pet and a Lemonade plan for another. You have the option to purchase a wellness plan from Trupanion without an accompanying insurance plan. But Lemonade wellness plans are only available in addition to an insurance plan.

Limitations

Chewy pet insurance has certain limitations that pet owners should be aware of:

Waiting periods and pre-existing conditions

Waiting periods and pre-existing condition exclusions apply to insurance plans. Any illness or injury that your pet displayed signs of before enrolling or during the waiting period is considered pre-existing and won't be covered. To ensure coverage for unexpected accidents and illnesses, it's best to enroll your pet as soon as you bring them home.

With Trupanion insurance plans, they review your pet's medical history after the waiting period, providing details on past conditions that may impact coverage. This review doesn't apply to Accident Only plans. Lemonade insurance plans also review your pet's medical history to determine pre-existing conditions, but these conditions don't affect your eligibility or premium price; they only influence what Lemonade can cover.

The waiting period for insurance plans depends on whether it's provided by Trupanion or Lemonade. Trupanion's waiting period starts from the plan purchase date, while Lemonade's waiting period begins on the policy effective date. Wellness plans don't have waiting periods and focus on proactive pet healthcare.

Limited coverage by states

Coverage availability may vary by state.

Cost

For a one-year-old small female dog, CarePlus by Chewy pet insurance offers a selection of Wellness and Insurance plans to meet different pet owners' needs.

The Wellness plan, provided by Trupanion, includes two options:

Standard Wellness: This plan costs $20 per month and offers comprehensive coverage. With 100% coverage and a $290 annual limit, there is no deductible. The plan covers an annual check-up for up to $75, fecal tests for up to $40, vaccines for up to $80, blood tests for up to $50, heartworm tests for up to $45, and flea, tick, or heartworm medications. Additionally, pet owners can benefit from free video consults with a vet.

Comprehensive Wellness: Priced at $33 per month, this plan provides extensive coverage for your pet. It includes 100% coverage with a higher annual limit of $455 and no deductible. The plan covers an annual check-up for up to $90, fecal tests for up to $40, vaccines for up to $80, blood tests for up to $75, heartworm tests for up to $45, and a more generous coverage of up to $125 for flea, tick, or heartworm medications. As with the Standard Wellness plan, free video consults with a vet are also included.

For pet owners looking for Insurance plans to protect against unexpected accidents and new illnesses, CarePlus has the following options:

Accident Only: Priced at $9.76 per month, this plan provides coverage specifically for accidents.

Essential Accident & Illness: This plan costs $41.47 per month and offers essential coverage for both accidents and illnesses.

Essential Plus Accident & Illness: At $49.25 per month, this plan builds upon the Essential coverage, providing additional protection for accidents and illnesses.

Complete Accident & Illness: Priced at $60.43 per month, this comprehensive plan covers a wide range of accidents and illnesses, ensuring your pet receives the care they need.

With CarePlus, pet owners have the flexibility to choose from various Wellness and Insurance plans, each designed to cater to their beloved pet's specific needs and budget.

Customer Support

Chewy offers customer support through a variety of channels, including phone, online contact form, and live chat. Whether you have a complaint or a compliment, one of the friendly representatives is ready to help you out. The company has a reputation for excellent customer service, with many customers reporting positive experiences with the support team.

Not only can you reach out to the customer care team, but Chewy also has an extensive FAQ section on the official website that anyone can access at any time. The company doesn't cut corners when it comes to providing useful information to its customers.