Careplus pet insurance offers plans through Lemonade and Trupanion. The collaboration between three trusted names in the pet industry provides customizable and comprehensive plans to fit any need and budget. Whether you’re looking for the affordability of Lemonade or the direct-to-the-vet payments allowed by Trupanion, you’ll find everything you need in one place.
Pros
Direct pay option available
Customizable plan options from both Lemonade and Trupanion
Unlimited annual payout available
Some plan options go into effect immediately
Pet prescription and pet food coverage
Cons
Pre-existing conditions not covered
14-day waiting period for some policies
Multi-pet discount may be as low as 5%
Careplus Pet Insurance: Features and Benefits
- Direct payments to the vet at checkout
- Up to 100% coverage on pet medications
- No insurance payout limits on yearly care costs
- Pet parents can opt for direct vet payments or reimbursement
- Coverage options are available through Lemonade and Trupanion
- Live telehealth visits are available with all policies
- Prescription pet food covered up to 90% for 90 days
- Pet medications and supplements covered up to 100%
- Some plans offer immediate coverage with no waiting period
Careplus Pet Insurance:: Editorial Rating
Trusted Company Reviews Rating Score for Company name: 9.5
Our rating system gave Careplus by Chewy, 9.5/10, landing them in our #2 spot for Best Pet Insurance in California and at #1 in our nationwide review of the best providers. Their wide range of options and the ability to shop between two trusted insurance providers to find the best policy distinguishes them from the rest.
Careplus offers options for deductibles as low as $250 per year, reimbursement options up to 90%, and up to unlimited maximum annual coverage. If your pet were to become seriously ill or injured, they could receive approved medical care with very limited out-of-pocket costs to you.
Careplus accident and illness plans cover your pet in case of accident or injury, orthopedic issues, skin conditions, digestive issues, chronic conditions, and age-related diseases. Furthermore, adding a wellness package provides coverage for preventative care, routine vet visits, vaccinations, spaying and neutering, dental cleaning, prescription medications, supplements, and flea, tick, and heartworm medications.
| CAREPLUS BY CHEWY | |
| Reimbursement or direct Pay? | Direct Pay or Reimbursement |
| Maximum Annual Coverage | $20,000-Unlimited |
| Reimbursement Options | 80%-90% |
| Deductible Options | $250, $500, $1,000 |
| Waiting Period | 0-14 days |
| Multi-pet discount | 5-%-10% |
| Additional Options | Live telehealth services, Prescription and supplement coverage, pet food coverage |
| Exclusions | Pre-existing conditions |
About Careplus Pet Insurance:
Careplus Telehealth Benefits
In addition to comprehensive coverage options, most Careplus policies come with 24/7 veterinarian access. If your pet should become sick or injured, veterinarians will be on hand via chat or video to answer your urgent questions.
Careplus Pet Insurance Availability
Currently, Careplus by Chewy is available in all but 3 states. Coverage does not extend to Alaska, Hawaii, or Vermont at this time.
Careplus Pet Insurance Discounts
Careplus pet insurance is an affordable option for pet parents on a budget. If you’re looking for additional discounts, you’re in luck. There are several available, including:
- 10% off for multiple pets with Trupanion Plan
- 5% off for multiple pets with a Lemonade Plan
- 10% off for bundling with other insurance through Lemonade
- 5% off for paying annually with a Lemonade Plan
- Careplus By Chewy Pet Insurance Plans and Coverages
With Careplus Pet Insurance, you can choose between an accident/illness policy with or without a wellness add-on, or purchase a standalone wellness policy through the Trupanion partnership. Each policy covers specific health needs with exclusions for pre-existing conditions.
The accident/illness policies will cover unexpected costs associated with accidents or illnesses experienced by your pet. If your pet should develop a serious illness or chronic condition, the required ongoing treatment will be covered under your policy as well.
A wellness plan through Careplus covers everyday health needs such as annual vet check-ups, vaccinations, dental cleanings, spaying and neutering, and flea, tick, and heartworm medications. Excellent as an add-on, a standalone wellness plan is a good option for puppies and kitties, or pets that are generally healthy and not prone to accident or illness.
| CAREPLUS BY CHEWY | ||
| Accident/Illness Policy | Add-Ons | Exclusions |
| 24/7 Access to a Live Vet | Wellness Check-ups | Pre-Existing Conditions |
| Accident Care | Vaccinations | |
| Illness Care | Dental Cleanings | |
| Orthopedic Care | Spaying/Neutering | |
| Skin Condition Treatments | Prescription Medications | |
| Digestive Care | 24/7 Access to a Live Vet | |
| Care for Chronic Conditions | ||
| Care for Age-Related Diseases | ||
Additional Plan and Coverage Information
How Much Is Chewy Pet Insurance?
Chewy pet insurance costs vary widely depending on which options you choose. Higher deductible plans with basic coverage are more budget-friendly, whereas lower deductible plans with more comprehensive coverage will be more expensive.
Chewy’s options are customizable, allowing you to choose the plan that fits well into your budget.
Careplus Pet Insurance Waiting Period Information
Pet health insurance policies have variable waiting periods during which you cannot submit claims. It’s important to note that if your pet is experiencing symptoms or is diagnosed prior to the completion of the waiting period, the condition will be considered pre-existing and will not be covered.
Your waiting period may vary depending on whether you’ve chosen a Lemonade or Trupanion policy. Read your policy carefully, as some conditions have longer waiting periods than others.
Careplus Pet Insurance Customer Reviews
Careplus by Chewy is brought to you through a collaboration with Trupanion and Lemonade. Both companies are highly rated on Trustpilot, with loads of positive reviews.
Trupanion has a 4.1/5 star rating on Trustpilot, with consumers praising the company for their prompt payments, few disputes, and payments made directly to the veterinarian.
Lemonade has a Trustpilot score of 4.4/5. Customers commend the ease of claim submission and the quick turnaround times for reimbursement. Some also mention being impressed with Lemonade’s transparency and straightforward coverage.
Careplus Pet Insurance Vs. Spot
When reviewing the Best Pet Insurance in California, Careplus by Chewy and Spot were top contenders.Both companies offer annual coverage maximums up to unlimited with multi-pet discounts and short waiting periods. SPOT actually offers a wider range of reimbursement choices, some plans paying up to 100% of fees. Furthermore, their low deductible options are as low as $100 and as high as $1,000, giving you the flexibility to choose a more or less affordable plan, depending on your budget.
Careplus’s coveted option for direct pay to veterinarians thrusted it to the top spot, along with it’s ability to offer coverage from both Lemonade and Trupanion.
| LEMONADE VS CAREPLUS BY CHEWY | ||
| CAREPLUS BY CHEWY | SPOT | |
| Reimbursement or direct Pay | Direct Pay or Reimbursement | Reimbursement |
| Maximum Annual Coverage | $20,000-Unlimited | $2,500-Unlimited |
| Reimbursement Choices | 80%-90% | 70%, 80%, 90%, 100% |
| Deductible Choices | $250, $500, $1,000 | $100, $250, $500, $750, $1000 |
| Waiting Period | 0-14 days | 14-Day |
| Multi-pet discount | 5-%-10% | 10% |
Careplus by Chewy Pet Insurance Alternatives
Need other options to help protect your pets? Here are other pet insurance reviews by Tammy at Trusted Company Reviews:
- Lemonade Pet Insurance
- Spot Pet Insurance
- ASPCA Pet Insurance
- Fetch Pet Insurance
- Embrace Pet Insurance
Frequently Asked Questions
How does Chewy Pet Insurance work?
How do I cancel my Chewy Pet Insurance policy?
Does pet insurance cover shots?
Do all vets take pet insurance?
Does pet insurance cover prescription food?
Is pet insurance a scam?
Tammy McKinney, RN, is a seasoned registered nurse and accomplished healthcare and personal finance writer. With a background in acute care, long-term care, and hospice & palliative care, Tammy combines her medical expertise with her passion for writing to educate and inform the public on various health and finance-related topics.
Tammy McKinney
Last Updated: July 7, 2025
Editorial Reviews
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