CarePlus by Chewy

CarePlus by Chewy offers pet wellness plans and pet insurance for accidents and illnesses. At the time of publishing, prices start below $20 per month. Wellness plans cover annual checkups, vaccines and flea, tick and heartworm medication. Insurance plans cover care for accidents and emergency care, illnesses, chronic conditions, and prescription medication and supplements. Both plans give you access to telehealth services seven days a week from licensed vets.

Chewy offers CarePlus plans through Chewy Insurance Services, its insurance agency. American Pet Insurance Company (APIC) underwrites the plans, collects monthly premiums and pays claims, while Trupanion administers the policies and manages claims on APIC’s behalf.

You can purchase a CarePlus plan that covers preventive care, accidents and illnesses, or both. These plans feature optional direct payments to vets, no lifetime payout limits, up to 100% coverage for prescriptions and supplements purchased on Chewy.com and live access to vets via chat or video.

CarePlus lets you work with any licensed veterinarian in the U.S. If your vet is set up with CarePlus’s partner Trupanion, you only pay your portion of the invoice after your visit, and Trupanion handles the rest within minutes. Otherwise, you pay the invoice in full and file a claim through the member portal online or by mail to get reimbursed.

You can cancel a CarePlus plan at any time and receive a prorated refund (full refund within first 30 days if no claims have been paid). Customer care is available 24/7.

CarePlus offers two types of plans for your pet: wellness, which covers everyday health, and insurance for accidents and illnesses. You can purchase one type, or you can bundle them for full coverage.

Wellness plans come in two types: Wellness and Comprehensive. The Comprehensive plan has greater coverage amounts and includes $125 per year for flea and tick medication purchased through Chewy, plus free and unlimited video consults with a Chewy vet. Wellness plans have no waiting period and cover:

• Annual checkups
• Routine bloodwork
• Vaccines
• Fecal tests
• Heartworm tests
• Flea, tick and heartworm medication

Insurance plan options include Accident Only, Essential Plus Accident & Illness and Complete Accident & Illness. These plans differ in what they cover and how much you pay for a vet visit after you pay an annual deductible of $250.

Keep in mind that that Chewy CarePlus insurance doesn’t cover preexisting conditions, which include any injury or illnesses your pet has before enrollment or that develops before the waiting period ends.

CarePlus plans start at $20 or less per month. You can get a 10% multipet discount by enrolling two or more pets in a plan.

It’s easy to get a quote for CarePlus coverage online. You need to have an account with Chewy first. Then, you enter details about your pet, including whether it’s a dog or cat, the pet’s birthdate, breed and veterinarian information. Chewy then shows you available wellness and insurance plans, plan details and costs per month.

If you’re looking for preventive care coverage or accident and illness coverage for your dog or cat, it’s worth getting a quote for a CarePlus wellness or insuarance plan. We like the multiple benefits associated with plans, including direct payments to some vets and telehealth access to a vet seven days a week. Before signing up for coverage, be sure to read over the plan details carefully so you know what will be covered after your vet visit.