CarePlus by Chewy
$15–$65/month
CarePlus Review Summary
CarePlus launched in 2022 as Chewy's entry into pet insurance, offering accident and illness coverage underwritten through established insurance partners. The Chewy integration is the key differentiator: existing Chewy customers can manage insurance, pharmacy refills, and pet health records in a unified platform. Wellness plans include Chewy pharmacy credits, creating genuine value for high-prescription pets. The coverage itself is foundational: accidents, illnesses, hereditary conditions, and cancer — but no dental illness, no exam fees, no behavioral therapy. For Chewy devotees who want the simplest possible path to pet insurance, CarePlus delivers convenience without complexity. For owners prioritizing coverage breadth, specialized providers offer more.
Pros & Cons
✅ Pros
- ✓Integrated with Chewy ecosystem — convenient for existing Chewy customers
- ✓Competitive pricing backed by Chewy's purchasing power
- ✓Simple online enrollment experience
- ✓No breed exclusions
- ✓Wellness plans include Chewy pharmacy credits
⚠️ Cons
- ✗No dental illness, exam fees, or behavioral therapy
- ✗No alternative therapy coverage
- ✗Coverage features lag behind specialized pet insurers
- ✗Chewy integration is convenient but not a coverage differentiator
Coverage Details
| Monthly Premium | $15–$65 |
| Annual Deductible | $100–$500 |
| Reimbursement Options | 70%, 80%, 90% |
| Annual Limit Options | $5,000, $10,000, Unlimited |
| Accident Waiting Period | 2 days |
| Illness Waiting Period | 14 days |
| Age Limit | None |
| Hereditary Conditions | ✓ Covered |
| Bilateral Conditions | ✓ Covered |
| Dental Illness | ✗ Not covered |
| Exam Fees | ✗ Not covered |
| Behavioral Therapy | ✗ Not covered |
| Cancer Treatment | ✓ Covered |
| Alternative Therapies | ✗ Not covered |
| Wellness Add-on | ✓ Available |
| Breed Exclusions | ✓ No breed exclusions |
What's Covered
- ✓ accidents
- ✓ illnesses
- ✓ hereditary conditions
- ✓ congenital conditions
- ✓ cancer
- ✓ orthopedic conditions
- ✓ prescription medications
What's Excluded
- ✗ pre-existing conditions
- ✗ dental illness
- ✗ exam fees
- ✗ behavioral therapy
- ✗ alternative therapy
- ✗ elective procedures
Best For
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