Pet Insurance

CarePlus By Chewy Pet Insurance Reviews: Unique Plans With Chewy Perks


Last Updated: May 7, 2024 | 4 min read | Leave a Comment

This content was reviewed by our licensed insurance agent, Michelle Schenker.

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small white dog at the vet with tech wearing purple gloves and scrubs

If you’re a frequent buyer on Chewy’s website, you may be intrigued by its CarePlus pet insurance and wellness plans. CarePlus plans have some interesting features, including Chewy perks (we’ll go over that more below). Let’s find out what Chewy’s insurance and wellness plans cover and if they fit your needs.

Before digging into the review, we want first to explain the parties involved in offering these plans for you and your pet

  • Chewy is an online website offering pet products, supplies, and prescriptions
  • CarePlus is Chewy’s wellness and insurance brand that has curated these plans
  • Trupanion is Chewy’s program partner and an affiliate of the American Pet Insurance Company (APIC). Trupanion administers the policy and manages claims on APIC’s behalf. Once you enroll in a wellness or insurance plan, you will begin to receive communications from Trupanion regarding your plan(s).
  • Lemonade is Chewy’s program partner and a certified B Corp and Public Benefit Corporation. Lemonade administers the policy and manages claims. Once you enroll in an insurance plan, you will begin to receive communications from Lemonade regarding your plan(s).

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Careeplus by Chewy logo

Product Name: CarePlus By Chewy Pet Insurance

Product Description: Chewy offers Trupanion and Lemonade pet insurance for dogs and cats.


CarePlus is an excellent option for Chewy shoppers because of its added Chewy perks. All plans have unlimited payouts, and claims are processed quickly.

Our pet insurance experts read through each pet insurance company’s policy to provide detailed comparisons and information regarding how a provider fares against others in the industry. We also speak with customers, read online feedback, and communicate one-on-one with pet insurance companies to obtain a well-rounded, unbiased analysis of a company’s standings.

Our team rates pet insurance companies based on several factors, including A.M. Best ratings (an indicator of financial stability), claim processing reputations, contract coverage, customer service, pricing, plan customizations, and more.

Overall Score



  • Unlimited payouts for all plans
  • May have option for Trupanion to pay your vet directly to avoid waiting for reimbursement
  • Shorter than average CCL surgery and hip dysplasia waiting periods (14 or 30 days)
  • Optional wellness plan available as a stand-alone plan
  • Accident-only plan available
  • Claim processing averages 3-7 days but often paid in 24 hours
  • 100% of prescriptions covered when purchased through
  • Covers your pet if they travel outside the U.S. with you


  • Quotes tend to be among the most expensive compared to competitors
  • Must upgrade plans to have coverage for exam fees, behavioral treatments, and physical and rehab therapies
  • Only available in 42 states currently

Key Features

  • Underwriter: American Pet Insurance Company
    • A.M. Best rating (a measure of financial stability): Unrated
  • No bilateral exclusions (a condition or disease that affects both sides of the body)
  • Claims process:
    • Submit claims via the online portal or mail
    • Reimbursement is available via check or direct deposit
    • Option to pay the vet directly, so you don’t owe a hefty vet bill when you leave the office or have to wait for reimbursement (not available everywhere, so ask your vet.) Per Chewy, “CarePlus offers pet wellness and insurance plans provided by Trupanion/Lemonade, whose proprietary software allows for payments directly to your veterinarian. If your veterinarian is set up to accept payments from Trupanion/Lemonade, you just pay your portion of the veterinary invoice at checkout, and Trupanion/Lemonade can often take care of the rest within minutes.”
  • Offers pre-approval of estimates/procedures in advance of treatment

CarePlus pet insurance is only available in 42 states: TX, PA, IL, OH, MA, GA, NC, MI, VA, AZ, CO, IN, SC, MD, OR, MO, TN, WI, MN, KS, KY, LA, IA, CT, NV, AL, AR, MS, NE, NJ, NM, OK, NH, UT, WV, DE, SD, WY, ND, RI, MT, NJ.

Customer Service Options & Hours

  • Video or chat (depending on the plan) access to a vet
  • 24/7 Phone
  • 24/7 Live chat
  • Email

What Are The Waiting Periods*?

Accident-OnlyEssentialEssential PlusComplete
Accidents5 Days5 Days5 Days5 Days
Knee Injuries30 Days14 Days14 Days14 Days
IllnessN/A14 Days14 Days14 Days
CarePlus By Chewy waiting period graphic

What Do CarePlus Insurance Plans Cover?

CarePlus By Chewy Pet Insurance offers four insurance plans with various coverage levels based on your budget and needs.

Please know that none of the providers in our pet insurance comparison charts cover pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.

All of them cover the following items when deemed medically necessary: emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications. However, this coverage may have limitations, so please check your policy.

Accident-OnlyEssentialEssential PlusComplete
New Illnessescheckmarkcheckmarkcheckmark
Vet Exam Feescheckmark
Behavioral Treatmentscheckmark
Physical & Rehab Therapiescheckmark
Prescription & Supplement Coverage From Chewy*100%100%100%100%
Prescription & Supplement Coverage From Others*80%70%90%90%
Vet Diet Food From Chewy*100% for 4 months100% for 4 months100% for 6 months
Vet Diet Food From Others*70% for 2 months90% for 2 months90% for 3 months
*After your deductible

Does CarePlus Offer Wellness Plans?

CarePlus has two wellness plans shown below in the table. Included are the maximum amounts that can be paid each year for that specific routine care per year.

Annual Check-UpUp to $75Up to $90
Fecal TestsUp to $40Up to $40
VaccinesUp to $80Up to $80
Blood TestsUp to $50Up to $75
Heartworm TestsUp to $45Up to $45
Flea, Tick, or Heartworm MedsUp to $125
Free Video Consults With A Vetcheckmark
Annual Limit$290$455

How Much Is CarePlus Pet Insurance?

Your monthly premium is based on the plan you choose from the table above and factors in your pet’s details (age, breed, location, pre-existing conditions, etc.). We recommend obtaining quotes from CarePlus for your specific pet to get an idea of how much a policy would cost you.

Get Pet Insurance Quotes From Multiple Providers

Does CarePlus Pet Insurance Have Any Coupon Codes?

CarePlus offers the following discount: 

  • 10% off for multiple pets 

Use this link to take advantage of the best possible price. No promo code is needed.

How Does The Claim & Reimbursement Process Work?

CarePlus uses a “deductible then co-pay” reimbursement method. This is calculated in the following way:

  • Actual eligible vet bill amount – Remaining annual deductible – Co-pay = Reimbursement amount

How Does CarePlus Compare?

The plans offered by CarePlus Pet Insurance may be an excellent option for Chewy shoppers. It could save you a chunk of money with its 100% coverage on vet diet food, prescriptions, and supplements purchased through Chewy. However, the accident and illness insurance plans themselves are among the more expensive options.

If you want to know how CarePlus stacks up against other pet insurance carriers, check out our comparison of pet insurance providers. We compare and rank the top ten pet insurance providers, explaining each company’s strengths and weaknesses. We also have many comparison tables to help you see where pet insurance companies differ. We answer frequently asked questions, walk you through a pet insurance claim example, list out all of your pet insurance options in an easy-to-digest directory format, and more. We’re sure we can answer all your pet insurance questions so that you feel equipped to make the best decision for your pet.

Disclosure: This policy is sold and administered by Chewy Insurance Services, LLC, a licensed insurance producer, and Trupanion Managers USA, Inc. ("TMUI"), and underwritten by American Pet Insurance Company ("APIC"), with its main office at 6100 4th Ave S, Seattle, WA 98108. TMUI, APIC, and their affiliates are separate, independent of and distinct from Chewy Insurance Services, LLC, and its affiliates.

The information provided through this website should not be used to diagnose or treat a health problem or disease; it is not intended to offer any legal opinion or advice or a substitute for professional safety advice or professional care. Please consult your health care provider, attorney, or product manual for professional advice. Products and services reviewed are provided by third parties; we are not responsible in any way for them, nor do we guarantee their functionality, utility, safety, or reliability. Our content is for educational purposes only.

Disclaimer: Information regarding insurance company offerings, pricing, availability, and other contract details are subject to change by the insurance company at any time and are not under the control of this website. Information published on this website is intended for reference use only. Please review your policy carefully before signing up for a new insurance contract or any other contract as your unique circumstances will differ from those of others who may be used for example purposes in this article.

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