About
Chewy has teamed up with Trupanion and Lemonade to offer Chewy members pet insurance. When you sign up through Chewy, you get exclusive perks with a plan that fits your pet’s needs. You can also add wellness coverage to help with routine and preventative care. See if getting Chewy Pet Insurance is the right fit for you and your furry friend.
Coverage Offered by Chewy
![]() |
|
---|---|
Price: |
Get a Free Quote |
Deductible: |
$250, $500, or $1,000 |
Reimbursement: |
70%, 80%, or 90% |
Annual Limit: |
Up to unlimited* |
Accident Waiting Period: |
2 to 5 days* |
Illness Waiting Period: |
14 days |
Wellness Waiting Period: |
0 days |
Orthopedic Waiting Period: |
14 days to 6 months* |
Accidents: |
Included |
Illnesses: |
Included |
Wellness: |
Optional |
Dental Coverage: |
Limited Coverage |
Exam Fee Coverage: |
Yes* |
Direct Vet Pay: |
Yes* |
Claims Expiration: |
Within 90 to 180 days of treatment* |
Claims Submission App: |
Yes* |
Chewy Pet Insurance Coverage
CarePlus offers pet insurance and wellness options through Trupanion or Lemonade. Your coverage will depend on a few things. Your recommendations will vary based on your location and the age and breed of your pet. You can configure your deductible and reimbursement rate. Trupanion and Lemonade differ most in their wellness add-ons and annual limits. Here's a quick breakdown.
Deductible Options
$250, $500, $1,000
Reimbursement Options
70%, 80%, 90%
Annual Limit Options
Up to unlimited*
Optional Wellness Coverage
With Lemonade and Trupanion, through Chewy, you can add on wellness coverage. Depending on the insurer you select, you will have different options.
Wellness Coverage Add-On (Trupanion)
This is the first tier of an optional coverage add-on to choose from if you select a Trupanion plan.
Wellness exam (Up to $75 a year)
Blood tests (Up to $50 a year)
Fecal tests (Up to $40 a year)
Heartworm tests (Up to $45 a year)
Vaccines (Up to $80 a year)
Comprehensive Wellness Coverage Add-On (Trupanion)
This is the second tier of an optional coverage add-on to choose from if you select a Trupanion plan.
Wellness exam (Up to $90 a year)
Blood tests (Up to $75 a year)
Fecal tests (Up to $40 a year)
Heartworm tests (Up to $45 a year)
Vaccines (Up to $80 a year)
Flea, tick, and heartworm medications (Up to $125 a year when you purchase on Chewy)
Free, unlimited video consults with Chewy's veterinarian telehealth service
Preventative Wellness Coverage Add-On (Lemonade)
This is the first tier of an optional coverage add-on to choose from if you select a Lemonade plan.
1 Wellness exam (Up to $50 a year)
1 Blood test (Up to $65 a year)
1 Fecal test (Up to $35 a year)
1 Heartworm or FeLV/FIV test (Up to $40 a year)
3 Vaccines (Up to $75 a year)
Preventative+ Wellness Coverage Add-On (Lemonade)
This is the second tier of an optional coverage add-on to choose from if you select a Lemonade plan.
1 Wellness exam (Up to $50 a year)
1 Blood test (Up to $65 a year)
1 Fecal test (Up to $35 a year)
1 Heartworm or FeLV/FIV test (Up to $40 a year)
3 Vaccines (Up to $75 a year)
Dental cleaning (Up to $150 a year)
Flea, tick, and heartworm medications (Up to $65 a year)
Additional Coverage
Live virtual consults with the Chewy vet team
100% coverage on new meds and supplements on Chewy
*With select plans. Please review options before purchase and read your policy details.
Policy Exclusions
Exact policy exclusions depend on which insurer you choose. Please review options before purchase and read your policy details. In general, Chewy will not cover:
Pre-Existing Conditions
Routine and Preventative Care*
Breeding and Pregnancy
Elective Procedures
Requirements of Policy Holders
Your enrollment requirements may depend on which insurer your plan is with.
Trupanion Enrollment Requirements
You can enroll your pet as early as 0 weeks and up to 14 years old.
You must provide all medical history and records associated with your pet.
You also authorize Trupanion to contact any veterinary clinics or hospitals in your area to obtain all available medical records that exist for your pet.
Lemonade Enrollment Requirements
Depending on your pet’s breed, the minimum enrollment age is 8 weeks, and the maximum enrollment age is 13 years.
Claims
The claims process may differ depending on which insurer your plan is with. Here's each insurer's claims process at a glance.
Trupanion Claims
Trupanion offers direct vet pay, which means they can pay vet bills at checkout wherever it is accepted instead of you having to file a claim. In the case that you do have to file a traditional claim, you can submit it via fax, mail, or email with invoice(s) within 90 days of treatment.
Direct deposit option for receiving reimbursements
Convenient claim submission online
Offers direct vet pay at checkout
Lemonade Claims
Lemonade Pet Insurance has a unique claims experience. Using their app, you will select the reason for your claim, upload invoices and receipts, and then record a confidential video explaining the treatment and other claim details. You have 180 days from the date of treatment (if you live in Texas, you have 90 days) to file.
Direct deposit option for receiving reimbursements
Convenient and tech-savvy claim submission on the mobile app
Responsive claims customer service
Customer Support
Your customer service and cancellation options will depend on your plan's insurer. Alternatively, you can contact CarePlus by Chewy at 1-800-672-4399 with any questions about your policy.
Trupanion Customer Service
Hours
Monday - Sunday: Open 24 hours
Contact Information
Phone: 888-733-2685
Email: [email protected]
Other: Online Chat
How to Cancel Trupanion Pet Insurance
To cancel a Trupanion Pet Insurance policy, you can contact their customer service team via mail, fax, email, or phone.
Does Trupanion Pet Insurance Have a Money-Back Guarantee?
If you haven’t submitted a claim, you will receive a full refund when you cancel during the first 30 days of your policy.
Lemonade Customer Service
Hours
Monday - Friday: 9 am - 8 pm ET
Contact Information
Phone: 1-844-733-8666
Email: [email protected]
How to Cancel Lemonade Pet Insurance
You can cancel a Lemonade Pet policy through the app, or you can contact their customer service team through email or phone.
Does Lemonade Pet Insurance Have a Money-Back Guarantee?
In most states, Lemonade offers a 30-day money-back guarantee, where you can return your policy for a full refund, provided you haven't filed any claims.
Compare
Compare Chewy Against Other Pet Insurance Companies
We're working to bring you a comprehensive list of Chewy CarePlus compared to other pet insurance providers. Please check back again. In the meantime, you can compare pet insurance companies from our existing list. Or, get a free quote for more personalized recommendations. Since Chewy offers pet insurance through Trupanion and Lemonade, you can browse our existing comparison articles.
Compare Lemonade Pet Insurance
Compare Trupanion Pet Insurance
Interested in learning more about the specifics of cat or dog insurance? Read our guides on pet insurance for more information:
Our CarePlus Pet Insurance by Chewy Review
If you're a loyal Chewy customer, CarePlus might be a reliable and convenient option for you. Pet parents can shop for the essentials and manage pet insurance all in one place. It's backed by two established insurers, offering comprehensive accident and illness coverage. An added bonus is that you can add wellness coverage to your plan, even if it's provided by Trupanion.