Chewy’s pet insurance, branded as CarePlus by Chewy, generally receives positive reviews, particularly for its convenience and the features it offers. Chewy pet insurance reviews, particularly the plans underwritten by Trupanion, often receives high ratings from financial review sites (e.g., NerdWallet: 4.5/5, Forbes Advisor: above average customer satisfaction, BestMoney: 9.6/10).
Chewy is widely known for its excellent customer service in its retail operations, and this positive reputation often extends to its pet insurance offering. Many reviews highlight responsive and compassionate support. For existing customers, integrating pet insurance with their pet supply purchases and access to existing services (like telehealth and pharmacy) is a significant draw.
Chewy the popular online pet retailer, offers pet insurance through partnerships with Trupanion and Lemonade, under the brand CarePlus. Plans vary by location, pet age, and breed, and include accident, illness, and wellness coverage. They acts as a licensed insurance producer, offering plans administered and underwritten by Trupanion or Lemonade. The specific plans available to you may depend on your location and your pet’s details. The insurance and wellness plans are branded as “CarePlus by Chewy” and are designed to provide a comprehensive pet-first experience for their customers.
Chewy pet insurance Pros and Cons
Here’s a breakdown of the pros and cons of Chewy Pet Insurance (CarePlus) based on the most recent 2025 reviews
Pros of Chewy Pet Insurance
- Free Telehealth Access: Most plans include unlimited video consultations with licensed vets via Chewy’s telehealth service.
- 100% Prescription Medication Coverage: Some plans fully cover prescription medications, including supplements—especially if purchased through Chewy.
- Upfront Vet Payments (Trupanion Plans): Trupanion policies can pay vets directly, reducing out-of-pocket costs at the time of service.
- Coverage for Veterinary Diets: Trupanion plans may cover 100% of veterinary diet food for up to 180 days.
- Multi-Pet Discounts: Offers 5%–10% discounts for insuring multiple pets.
- Supplement Coverage: Includes coverage for supplements, which is not standard in many other pet insurance plans.
Cons of Chewy Pet Insurance
- No Customization: Limited flexibility in choosing deductibles, reimbursement rates, or annual limits—unlike many competitors.
- Higher Premiums (Especially Trupanion): Trupanion plans tend to be more expensive, especially for dogs.
- No In-House Policies: Chewy doesn’t underwrite its own insurance—it resells plans from Trupanion and Lemonade, which can be purchased directly.
- Limited Availability: Lemonade plans are only available in 39 states.
- No Coverage for Curable Pre-Existing Conditions: Trupanion policies exclude even curable pre-existing conditions.
- Wellness Plans Lack Key Coverage: Spaying/neutering is not covered under wellness plans.
Chewy CarePlus pet insurance Plans
Chewy’s CarePlus Pet Insurance offers two main types of plans: Accident & Illness Insurance and Wellness Plans, which can be purchased separately or bundled for full coverage:
CarePlus Accident & Illness Insurance Plans
These plans cover unexpected medical issues such as:
- Accidents: Swallowing objects, poisoning, broken bones, cuts, etc.
- Illnesses: Vomiting, diarrhea, skin conditions, chronic diseases like arthritis.
- Prescription Medications & Supplements: Up to 100% coverage if purchased through Chewy.
- Veterinary Diets: Covered for up to 180 days with select plans.
- Direct Vet Payments: Available with Trupanion-administered plans.
- Unlimited Lifetime Coverage: No payout caps on most plans.
- Telehealth Access: Unlimited video consults with Chewy’s vet team.
- Customizable Deductibles: Adjust to fit your budget.
- Monthly Premiums: Start around $30/month.
Wellness Plans
These focus on routine and preventive care:
- Annual Exams
- Vaccinations
- Routine Tests
- Flea, Tick & Heartworm Medication (Comprehensive plan includes $125/year for these)
- Spay/Neuter, Dental Cleanings, Microchip (available in select plans)
- No Waiting Period
- Monthly Premiums: Start below $20/month
Bundled Plans
You can combine both types for comprehensive coverage. Bundled plans offer:
- Full protection for emergencies and routine care
- Discounts for multiple pets (up to 10%)
- 30-day money-back guarantee (if no claims are made)
Chewy CarePlus vs Trupanion
| Feature | Chewy Pet Insurance (CarePlus) | Trupanion Pet Insurance |
|---|---|---|
| Provider | Powered by Trupanion & Lemonade | Direct from Trupanion |
| Purchase Location | Exclusively on Chewy.com | Direct from Trupanion |
| Payment to Vets | Direct payment if vet uses Trupanion software | Same direct payment feature |
| Coverage Types | Accident-only, Value, Essential Plus, Complete | Single comprehensive plan |
| Wellness Plans | Optional add-ons for routine care | Not included |
| Reimbursement | 70%, 80%, or 90% depending on plan | Fixed at 90% |
| Deductibles | $250, $500, $1,000 | Customizable per condition |
| Annual Limits | $20,000 or unlimited | Unlimited lifetime coverage |
| Age Restrictions | No upper age limit | No upper age limit |
| Waiting Periods | Shorter for orthopedic issues | Standard waiting periods |
Chewy CarePlus vs Lemonade Pet Insurance
| Feature | Chewy CarePlus (Lemonade Plans) | Lemonade Pet Insurance (Direct) |
|---|---|---|
| Provider | Lemonade (via Chewy) | Lemonade |
| Purchase Location | Exclusively on Chewy.com | Direct from Lemonade |
| Coverage Types | Accident-only, Base, Value | Accident & illness, optional wellness |
| Wellness Add-ons | Preventative & Preventative+ | Same options available directly |
| Reimbursement Options | 70%, 80%, 90% | 70%, 80%, 90% |
| Deductible Options | $250, $500, $1,000 | Same options |
| Annual Limits | Up to unlimited | Up to unlimited |
| Waiting Periods | 2–5 days (accident), 14 days (illness) | Same |
| Telehealth | Free video consults | Not included by default |
| Multi-pet Discount | 5%–10% | 5%–10% |
Chewy pet insurance prices
| Plan Type | Monthly Cost | Coverage Highlights |
|---|---|---|
| Accident-Only | Starts below $20/month | Covers injuries, toxic ingestion, broken bones |
| Base Plan | ~$30/month and up | Accident + illness coverage, customizable deductible |
| Essential Plus | ~$60–$90/month | Includes dental illness, prescription food, 90% reimbursement |
| Complete Plan | ~$100–$140/month | Adds behavioral therapy, supplements, unlimited coverage |
| Wellness Add-ons | Varies by tier | Covers vaccines, exams, flea/tick meds |
Is It Worth It?
Chewy’s plans are slightly more expensive than average, but they offer:
- Direct vet payments (via Trupanion software)
- 100% coverage for prescription food and meds
- Free video vet consults
- No upper age limit for enrollment
CarePlus complaints
Chewy Pet Insurance is generally well-reviewed for convenience and perks, but if you value customization, lower premiums, or routine care coverage like spaying/neutering, you might want to compare it with other providers like Lemonade directly or Healthy Paws.
Here’s most common complaints and drawbacks based on customer feedback:
- High Premiums: Trupanion-powered plans (Complete tier) can be expensive, with monthly costs exceeding $100 for some pets.
- Limited Flexibility: Plans are pre-packaged with fixed reimbursement rates and coverage limits. You can’t customize coverage as much as you can with Lemonade directly.
- No Coverage for Curable Preexisting Conditions: Trupanion policies offered through Chewy do not cover curable preexisting conditions, which some competitors do.
- Wellness Plan Limitations: Wellness plans don’t cover spaying/neutering, which many pet owners expect in routine care.
- Inconsistent Experience Across Tiers: Because they partner with both Lemonade and Trupanion, the experience varies widely depending on which plan you choose. This can be confusing for customers.
- Limited State Availability: Lemonade-powered plans are only available in 39 states, which restricts access for some users.
- Chewy Doesn’t Administer Policies Directly: Policies are managed by Trupanion or Lemonade, so they act more like a storefront. This can lead to confusion when resolving claims or seeking support.
Chewy Pet Insurance Reviews
Overall Rating of Chewy Pet Insurance reviews are positive and over the Industry Average. 4.2/5 from Forbes, 4.5/5 from NerdWallet, 3.78/5 Business Insider.
Positive Reviews
- I have the chewy plus on my cats. I have not had any issues with claims or getting paid back for services etc. I’m in NJ. I have lemonade through chewy plus on my 2 older cats and the Trupanion through chewy plus on my two young cats.
- The absolute best customer service. We’ve been customers for years and are very loyal to Chewy.
- I was looking at their plans and noticed it’s much more affordable than purchasing the plan directly at trupanions’ website. I’m not sure if there is any catch and waiting to hear more people’s experience with it
- This company continues to blow my mind. We just lost our their rescue and look what arrives. A vase of beautiful flowers. They kept my last two babies alive for over a year with their prompt service and caring staff and pharmacy techs and pharmacists Thank you all so much
- Ive used Chewy over the years for dog who died recently. I like Chewys prices, products and service. I was pleasantly shocked yesterday to receive flowers from them in memory of my dog,
- We received a bunch of items from our reoccurring order and calls one of their representatives to let them know that our bunny had passed away and we no longer can use the items. They told us to keep the items and donate them and they would give us a refund on everything. A solid business that does the right thing.
Negative Reviews and complaints
- Recently back in February, I started this wellness and accidental plan for my 3-month-old poodle however, the plan absolutely pays (NOTHING). I’ve been out of (POCKET). I’ve paid more than the plan itself has paid, and my dog had only been seen 3 times since February 2025. BIG FAT rip off, you be better off paying out of POCKET… definitely cheaper!!!!
- I recently got the wellness plan for my dog and every vet I spoke to never heard such thing. They said they cover for vaccinations and etc. but not entirely. Upsetting to find that it’s basically a installation plan, I’m not really saving any money here, I’m basically paying retail price.
- I had them for a month for our new kittens before I backed out and moved to another policy. It had nothing to do with their service but I couldn’t help but be fearful of a custom plan of an existing insurer. There was little to no information about any of it or peoples experience and I didn’t want to get caught in a precarious position down the road where my pets medical history was already established.
Overall
Chewy pet insurance appears to be a strong contender, especially for pet owners who value convenience, comprehensive coverage options, and direct payment capabilities, backed by Chewy’s reputable customer service.
Chewy Pet Insurance (CarePlus) is best for pet owners who Want convenient access to vet consults and perks, Prefer direct vet payments and prescription coverage and Don’t mind paying a bit more for added convenience. It may not be ideal if you want Highly customizable coverage, Lower monthly premiums, Standalone wellness plans with full routine care.
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