13,098 Reviews
CarePlus by Chewy Pet Insurance Review 2026
August 26, 2025
•
3 min
CarePlus by Chewy Summary
Chewy is an online retailer founded in 2011 that sells pet food and other pet-related items. The company offers CarePlus pet insurance through a partnership with Trupanion, a company with 20+ years of insurance experience. It provides a variety of insurance and wellness plans to suit any needs, gives customers easy access to video chats with vets, and 100% prescription/supplement coverage when you buy from Chewy.
CarePlus by Chewy Pros & Cons
Pros
No payout limits for most plans
Direct payment available
Live vet access
100% coverage for RX purchased on Chewy
Cons
Not available in every state
Must upgrade for certain types of coverage
Expensive plans
CarePlus by Chewy at a glance
9.6
Editorial scoreOnline experience
Excellent site with mobile optimization, learning resources and live chat
10.0
Customizable rates and services
Customizable plans and rates, 50-90% reimbursement, no upper age limit
10.0
Claims payout waiting period
Days
8.0
Customer support
24/7 communication and a pet hotline available
10.0
Bundles
Multi-pet and multi-policy bundles available
10.0
What Does CarePlus Insurance Cover
Condition | Covered by Chewy |
Accidents | Yes, in all plans |
Illnesses | Yes, in most plans |
Exam fees | Yes, but only in one plan |
Behavioral treatments | Yes, but only in one plan |
Rehab therapies | Yes, but only in one plan |
Prescriptions/Supplements | Yes, in most plans |
Pre-existing conditions | No |
Prescriptions and supplements from Chewy | Yes, after your deductible |
The company offers multiple insurance plans, and the exact coverage you get access to depends on the plan you choose.
Insurance Plans & Pricing
CarePlus by Chewy gives customers the choice between four insurance plans: Accident-Only, Essential, Essential Plus Accident & Illness, and Complete Accident & Illness. This helps ensure you find the right plan for your needs.
The Accident-Only plan covers accidents like broken bones, poisoning, or foreign body ingestion. Going with the Essential plan covers accidents, as well as illnesses like dental disease, common sickness, age-related issues, and acute emergencies like seizures or breathing difficulties. Every plan from Essential onward includes free video consultations with a Chewy vet.
The Essential Plus plan covers the same things as the Essential plan with a 20% larger reimbursement. Lastly, the Complete plan covers everything I’ve mentioned so far, plus exam fees, behavioral treatments, and physical & rehab therapies.
Coverage for CarePlus plans includes surgeries, x-rays, medication, hospitalization fees, and more. All plans cover 100% of prescriptions and supplements purchased from Chewy (after your deductible).
The exact cost depends on where you are, which plan you choose, and the details of your pet including age, breed, type of pet, and any pre-existing conditions the pet may have.
For a spayed female golden retriever that is a year and a few months old and weighs 55 lbs, I was quoted:
$22.03/month for the Accident-Only plan
$88.09/month for the Essentials plan
$105.54/month for the Essentials Plus plan
$130.64/month for the Complete plan.
These rates are based on April 2023 pricing in Minneapolis, Minnesota.
In addition to its insurance plans, Chewy offers two wellness plans for preventative care, which are called Wellness and Comprehensive. These plans offer coverage for routine vet services like annual checkups, bloodwork, vaccines, and tests.
The Wellness plan is $20/month. It has no annual deductible, and Chewy will pay up to $290 annually. On the other hand, the Comprehensive plan is $33/month, has no deductible, and the company will pay up to $455 each year.
What is Not Covered
Chewy doesn’t offer coverage for pre-existing conditions and certain coverage may only exist in the more comprehensive and expensive plans that it offers.
Waiting Periods
The waiting periods for Chewy plans depend on the plan you have and the reason for your vet visit.
Reason for vet visit | Accident-Only | Essential | Essential Plus | Complete |
Accident | 5 days | 5 days | 5 days | 5 days |
Illness | N/A | 14 days | 14 days | 14 days |
Cruciate Ligament Conditions | 30 days | 14 days | 14 days | 14 days |
When it comes to the wellness programs, there is no waiting period and coverage begins as soon as you enroll.
Coverage Limits
There are no coverage limits with most CarePlus plans, so you can get unlimited coverage for your pet without worrying about caps.
Reimbursement and deductibles
Each CarePlus by Chewy pet insurance plan has a $250 annual deductible and no payout limits. The reimbursement amount depends on the plan you go with.
Deductible | Payout limit | Reimbursement | |
Accident-Only | $250 | No limit | 80% |
Essential | $250 | No limit | 70% |
Essential Plus | $250 | No limit | 90% |
Complete | $250 | No limit | 90% |
As with the insurance pricing, this is based on April 2023 numbers in Minneapolis, Minnesota.
Claims and Customer Support
Making claims with CarePlus is quick and easy. It requires a copy of your itemized invoice and a few details about your claim, which can both be submitted via the online portal.
The company offers direct payment if your vet is set up to accept payments from Trupanion. If this is the case, you will pay what you are responsible for and the company will take care of the rest in a few minutes.
Chewy is well known for its customer support as it offers 24/7 assistance on the phone or through live chat. You can also reach out on social media or via an online message form.
I connected to an agent in seconds after starting a live chat, and they were incredibly helpful. The site is user-friendly, and provides all the details you need to know when it comes to the insurance plans Chewy offers.
What You Might Like
Chewy offers the ability to schedule a video call with a vet for free with most CarePlus plans. You can also get instant advice or guidance on any pet-related questions with the free live chat. Experts are available seven days a week and can help you with health-related questions, concerns about behavior, and more.
What Chewy Could Do Better
I believe something that CarePlus could improve upon is its pricing, as the costs of its plans are higher than those of most competitors. Making it more affordable to be covered for things like exam fees and behavioral treatments would be of real benefit.
Contact Details and Address
You can reach out to Chewy 24/7 through its live chat, online message form, or toll-free on the phone at 1-800-672-4399.
7700 West Sunrise Blvd. Plantation, FL 33322
Bottom Line
CarePlus by Chewy pet insurance helps people protect their pets with multiple insurance and wellness plans to fit every need and budget. The company is clear about its coverage, has no payout limits for most plans, and provides live video chat with vets for most customers. You can also get your supplements, prescriptions, and vet food covered if you buy them on Chewy.
Methodology
I created this review using information from the Chewy website and the details of its plans.
How do I know I can trust this review?
Our editors are serious about research - we combine our own experience with the services we recommend with reviews that come from verified users–just like you! Together with reviews from industry experts to ensure you choose with confidence and ease.
Written byKale Havervold
Kale Havervold is a personal finance writer at BestMoney.com, specializing in business and personal loans. He has contributed to Yahoo, Hardbacon, and Loans Canada. Kale’s easy-to-digest, research-driven articles reflect his passion for helping readers make informed financial decisions.
