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Review of CarePlus by Chewy Pet Insurance
July 1, 2025
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What Is Chewy’s CarePlus Pet Insurance?
Chewy’s CarePlus is the pet insurance and wellness program offered by Chewy in partnership with Trupanion and Lemonade. Rather than underwriting insurance itself, Chewy acts as a marketplace – depending on your pet’s details (species, breed, age) and location, you’ll be offered a policy from either Trupanion or Lemonade, with plan options ranging from basic accident-only coverage to comprehensive accident & illness plans. CarePlus is now available in 47 states and Washington, D.C.
Key Features:
- Coverage for prescription supplements and pet foods purchased through Chewy.com
- Unlimited 24/7 telehealth access with most plans
- Direct vet payments for Trupanion-backed plans at participating clinics
- Administered by trusted insurers (Lemonade or Trupanion)
Coverage Options and Plan Details
Accident & Illness Plans
- Cover diagnostics, surgeries, emergency care, and medications.
- Higher-tier plans include exam fees, dental illness, behavioral therapy, and rehab.
- Options for deductibles ($250, $500, $1,000) and reimbursement rates (70%, 80%, 90%).
- Some Trupanion-backed plans feature unlimited annual payouts.
Accident-Only Plan
- Covers injuries like broken bones or toxic ingestions.
- 80% reimbursement after $250 deductible, with no annual limit.
- Includes telehealth for accidents.
Wellness Add-On
- Covers preventive care like vaccines, blood tests, dental cleaning, and microchipping.
- No deductible or waiting period.
- Must match the insurer of your main policy.
Exclusions
- Pre-existing conditions are not covered.
- Basic plans exclude exam fees, dental illnesses, behavioral therapy, and alternative therapies.
Cost and Discounts
- Plans start at ~$20/month, with averages for dogs around $70–$100/month for comprehensive coverage.
- Cats typically cost less (~$6–$20/month for accident-only).
- Discounts:
- 10% multi-pet discount (Lemonade & Trupanion)
- 10% bundle discount with Lemonade renters/home insurance
- 5% annual payment discount
Pros and Cons of CarePlus by Chewy
Pros:
- Comprehensive plan tiers including unlimited payout options.
- Free unlimited vet telehealth.
- Direct vet payment for Trupanion-backed plans.
- Fast claims processing with Lemonade and Trupanion.
- Optional wellness add-ons.
Cons:
- Premiums are often higher than competitors.
- Limited customization of coverage levels.
- Lower-tier plans exclude dental, exam fees, and therapies.
- Newer program with mixed reviews depending on partner insurer.
FAQs
Is Chewy pet insurance worth it?
Yes, Chewy CarePlus offers robust coverage and unique perks like telehealth and prescription food coverage. It’s best if you already use Chewy and value convenience.
Does it cover pre-existing conditions?
No. Like other insurers, CarePlus does not cover pre-existing conditions.
Is CarePlus available nationwide?
No. It’s available in 47 states plus Washington, D.C. Not available in Alaska, Hawaii, or Vermont.
Does CarePlus cover dental care?
Yes, but only with higher-tier plans. Routine dental cleaning is covered under wellness add-ons.
Can CarePlus pay my vet directly?
Yes, but only for Trupanion-backed plans at participating vet clinics.
Conclusion – Should You Choose Chewy’s CarePlus?
CarePlus by Chewy is a well-rounded, premium pet insurance option. It stands out for its perks like telehealth, direct vet pay, and Chewy ecosystem integration. It’s not the cheapest, but for pet parents who value convenience and comprehensive care, it’s worth serious consideration.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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