Chewy Pet Insurance 2025: Full Review, Pros & Cons
Our expert's opinion on Chewy
Chewy's CarePlus pet insurance offers an accident and illness plan sold through Chewy and administered via partner insurers, designed to integrate with Chewy's member portal and retail ecosystem.
The primary product is a Complete Accident & Illness Plan covering emergencies, consultations, surgery, imaging, lab tests, specialist consults and alternative medicine, with an example reimbursement rate of 90%, deductible options commonly at $100, $500 and $1,000, annual limits shown as NC, and routine preventive care and wellness services excluded; compared with standalone pet insurers, CarePlus leans on partner underwriting (Trupanion and Lemonade), emphasizes high reimbursement examples, multiple deductible choices and direct-vet-pay convenience while targeting competitive pricing on common breed profiles.
Best suited for owners of young to middle-aged dogs and cats who prioritize accident and illness reimbursement, direct-vet-pay and flexible deductibles rather than bundled wellness cover.
Marketed by Chewy and administered through partners Trupanion and Lemonade, CarePlus sits within Chewy's broader retail brand (Chewy.com holds a Trustpilot score of 3.5/5 from 12,767 reviews); claims support includes Direct Vet Pay where available, a member claims portal, 24/7 plan support and a vet hotline, and the provider average rating recorded is 4.3.
- ✅Partner-backed plans (Trupanion, Lemonade)
- ✅High example reimbursement rate (90%)
- ✅Multiple deductible tiers ($100 to $1,000)
- ✅Direct Vet Pay capability
- ✅24/7 plan support and vet hotline
- ✅Specialist consultations covered
- ✅Competitive pricing for common breed profiles
- ❌Limited or no preventive/wellness coverage
- ❌Annual limit reported as NC
- ❌Pre-existing conditions and signs excluded
- ❌High premiums for some brachycephalic or older breeds
- ❌No elective dental cleaning or routine procedures
Our expert's opinion on Chewy
- ✅Partner-backed plans (Trupanion, Lemonade)
- ✅High example reimbursement rate (90%)
- ✅Multiple deductible tiers ($100 to $1,000)
- ✅Direct Vet Pay capability
- ✅24/7 plan support and vet hotline
- ✅Specialist consultations covered
- ✅Competitive pricing for common breed profiles
- ❌Limited or no preventive/wellness coverage
- ❌Annual limit reported as NC
- ❌Pre-existing conditions and signs excluded
- ❌High premiums for some brachycephalic or older breeds
- ❌No elective dental cleaning or routine procedures
Score- ✅Partner-backed plans (Trupanion, Lemonade)
- ✅High example reimbursement rate (90%)
- ✅Multiple deductible tiers ($100 to $1,000)
- ✅Direct Vet Pay capability
- ✅24/7 plan support and vet hotline
- ✅Specialist consultations covered
- ✅Competitive pricing for common breed profiles
Why trust Hellosafe?
At HelloSafe, our pet insurance experts review the terms and pricing of insurance policies available in the Canadian market each year, providing you with trustworthy and unbiased analysis.
Thanks to our careful approach, hundreds of thousands of Canadians rely on us every month to help guide their most important financial decisions.
The Chewy Guarantee
Chewy offers a single comprehensive plan in the materials reviewed, presented as a complete accident and illness policy. The plan is positioned to cover unexpected medical events rather than routine or preventive care, with core benefits that commonly include emergency treatment, surgery, imaging, laboratory testing, specialist consultations, and coverage for alternative medicine where applicable. Reimbursement examples provided show a 90% reimbursement rate; policyholders can select different deductible levels (sample premiums are shown for $100, $500 and $1,000 annual deductibles).
The plan applies short waiting periods before cover for new conditions: a 5‑day waiting period for accidents and a 14‑day waiting period for illnesses. Preventive care items—vaccinations, parasite treatments, routine dental cleanings, and elective spay/neuter—are excluded in standard terms unless specifically noted as medically necessary. Several ancillary benefits commonly requested by owners (cremation, boarding fee reimbursement, identification) are not covered under the sample configuration.
Strengths of the offering include coverage for major diagnostic and treatment modalities (imaging, lab tests, surgery), specialist consultations when covered, and inclusion of certain alternative medicine treatments. Weaknesses relative to comprehensive wellness packages include explicit exclusion of routine preventive care, lack of coverage for hygiene and many non-medical costs, and several policy items listed as not covered or not communicated.
| Feature | Complete accident & illness plan |
|---|---|
| Plan positioning | Comprehensive (accident & illness) |
| Type of coverage | Accident & illness |
| Animals covered | Dogs, cats |
| Reimbursement rate | 90% (example shown on declaration page) |
| Annual reimbursement limit | NC |
| Deductible (annual or per claim) | Annual deductible options shown in pricing: $1,000 / $500 / $100 |
| Age limits for enrollment | NC |
| Pre-enrollment health questionnaire | NC |
| Waiting period (accident) | 5 days |
| Waiting period (illness) | 14 days |
| Lifetime coverage | NC |
| Consultations | Yes (specialist consultations included when coverage applies) |
| Medications | NC |
| Hospitalization | Yes |
| Surgery | Yes |
| Diagnostic tests | Yes (imaging, lab tests) |
| Dental care | No (dental cleaning excluded; treatment may be limited) |
| Preventive care | No (vaccinations, parasite treatment excluded) |
| Alternative medicine | Yes |
| Travel coverage | NC |
| Civil liability | NC |
| Euthanasia | NC |
| Death & cremation coverage | Cremation: No; Death: NC |
| Theft or loss + search expenses | NC |
| Boarding fees | No |
| Ambulance / transport | NC |
| Identification | No |
Coverage exclusions and limitations: Pre-existing conditions and conditions arising during applicable waiting periods are not covered, including clinical signs or symptoms present before enrollment. Routine and elective veterinary care is excluded: vaccinations, parasite prevention, routine dental cleanings, elective spay/neuter (unless medically necessary), and cosmetic procedures are not reimbursable. Conditions deemed preventable by recommended care (for example, vaccine-preventable illnesses) and owner-caused injuries or neglect are also excluded. Non-treatment items and administrative or supervision costs (boarding, daycare, grooming, transport, non-prescribed diets, and supplies) are excluded from reimbursement.
Key plan limitations include the absence of routine wellness coverage within the base plan and several specific service gaps (no cremation reimbursement, no boarding fee coverage, no identification coverage). Sample pricing demonstrates different annual deductible options that materially affect premium levels and out-of-pocket exposure, and the single reimbursement example shown (90%) may not reflect all available configuration choices. Policyholders should note the short waiting periods for new coverages and that certain benefit caps and coverage scopes are defined by the policy declarations.
Chewy Exclusions
Chewy’s exclusions prioritize pre‑existing conditions: any condition present prior to enrollment or that appears during waiting periods — including signs or symptoms without a formal diagnosis — is not covered.
Routine preventive and elective care is excluded, including vaccinations, parasite prevention, routine dental cleanings, spay/neuter unless medically necessary, and cosmetic procedures such as tail docking, ear cropping, declawing, and microchipping.
Conditions considered preventable with recommended care (e.g., vaccine‑preventable diseases, parasite infestations) and experimental or investigational treatments are also excluded.
Non‑medical and administrative costs are excluded as well — boarding/daycare supervision fees, grooming and nail trims, non‑prescription diets and supplies, shipping/administrative fees, and end‑of‑life or funeral‑style expenses — which may create notable out‑of‑pocket obligations for owners.
| Exclusions | Details |
|---|---|
| Medical exclusions | Pre‑existing conditions (present prior to enrollment or during waiting periods; signs or symptoms without diagnosis); Experimental or investigational treatments |
| Preventive & elective care | Vaccinations; Parasite prevention treatments; Routine dental cleanings; Spay/neuter unless medically necessary; Cosmetic or elective procedures (tail docking, ear cropping, declawing, microchipping when elective) |
| Preventable conditions | Conditions preventable with recommended care (vaccine‑preventable diseases); Parasite diagnosis/infestation/treatment when preventive treatments are available |
| Non‑medical & administrative | Administrative/shipping fees; Non‑treatment supplies (bedding, crates, toys, non‑prescription diets); Grooming, bathing, nail trims; Supervision fees (boarding, daycare) |
| Claims unrelated to veterinary treatment | End‑of‑life or funeral‑style expenses; Experimental treatments; Any non‑medical services or products not related to treatment of an illness or injury |
Chewy Prices
Chewy’s CarePlus offering sits toward the premium end of the market in 2025, with monthly premiums that reflect high reimbursement potential (examples at 90%) and a full suite of emergency and specialist coverages; plans with low deductibles ($100) and high reimbursement drive the top‑tier pricing, while higher deductibles reduce monthly cost.
Reimbursement rate, deductible level, and any annual caps are the chief levers shaping competitiveness: higher reimbursements and lower deductibles increase monthly premiums but reduce out‑of‑pocket risk, whereas higher deductibles and tighter limits lower price but shift cost to owners; Chewy’s differentiated features — Direct Vet Pay where available, 24/7 plan support, a “Connect with a Vet” service, and streamlined digital claims/telemedicine access — support its higher price point by reducing friction and administrative cost for policyholders compared with more traditional carriers that have less integrated digital payment and telehealth options.
To help you find the best match between your needs and budget, compare the monthly estimated prices below.
| Profile of the animal | Annual Deductible $1,000 | Annual Deductible $500 | Annual Deductible $100 |
|---|---|---|---|
| Dog Labrador 1 year | $127.16 | $219.94 | $393.51 |
| Dog Labrador 3 years | $152.46 | $264.77 | $474.89 |
| Dog Labrador 7 years | $107.47 | $185.06 | $330.20 |
| Dog Australian Shepherd 1 year | $97.27 | $166.97 | $297.39 |
| Dog Australian Shepherd 3 years | $116.28 | $200.68 | $368.53 |
| Dog Australian Shepherd 7 years | $169.51 | $294.98 | $529.72 |
| Dog French Bulldog 1 year | $188.65 | $328.90 | $591.29 |
| Dog French Bulldog 3 years | $226.90 | $396.67 | $714.30 |
| Dog French Bulldog 7 years | $334.00 | $586.44 | $1,058.74 |
| Cat European Shorthair 1 year | $57.41 | $96.35 | $169.19 |
| Cat European Shorthair 3 years | $68.26 | $115.57 | $204.08 |
| Cat European Shorthair 7 years | $99.22 | $171.31 | $305.25 |
| Cat Maine Coon 1 year | $64.25 | $108.47 | $191.21 |
| Cat Maine Coon 3 years | $76.57 | $130.30 | $230.83 |
| Cat Maine Coon 7 years | $112.30 | $193.61 | $345.73 |
| Cat British Shorthair 1 year | $61.63 | $103.82 | $182.61 |
| Cat British Shorthair 3 years | $73.39 | $124.65 | $220.57 |
| Cat British Shorthair 7 years | $107.47 | $184.06 | $330.20 |
Chewy Promo Codes
| Chewy Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
What will my Chewy reimbursement be?
Reimbursements with Chewy are calculated by subtracting your annual deductible from eligible veterinary costs and then paying the plan’s reimbursement percentage (commonly 90% on the highest tier) of the remaining eligible amount.
✅ Example 1: Consultation for allergic dermatitis
Total vet costs: $250 (consultation + medication)
Deductible amount to subtract: $100 (this is the first expense of the year)
Amount reimbursable after deductible with the Complete Accident & Illness Plan: $250 – $100 = $150
90% of that amount reimbursed: $150 × 90% = $135
👉 You receive a reimbursement of $135.
ℹ️ The annual deductible applies once per policy year; future eligible claims that year are paid after the deductible is met.
✅ Example 2: Tibial plateau leveling osteotomy (TPLO) for cruciate rupture
Total vet costs: $6,500 (surgery, imaging, hospitalization, medication)
Deductible amount to subtract: $0 (deductible already met earlier in the year)
Amount reimbursable at 90% with the Complete Accident & Illness Plan: $6,500 × 90% = $5,850
👉 You receive $5,850.
ℹ️ This assumes the condition is not pre-existing and the deductible was met earlier in the policy year.
✅ Example 3: Emergency dental extraction for tooth abscess
Total vet costs: $850 (extraction, anesthesia, medication)
Deductible amount to subtract: $500 (annual deductible selected)
Amount reimbursable after deductible with the Complete Accident & Illness Plan: $850 – $500 = $350
90% of that amount reimbursed: $350 × 90% = $315
👉 You receive a reimbursement of $315.
ℹ️ Dental cleanings are typically excluded, but dental treatment for an acute illness or injury may be eligible if not pre-existing; deductible selection affects out‑of‑pocket exposure.
Chewy Assistance
Chewy offers direct-to-vet payment at participating clinics, which can significantly reduce upfront costs for owners facing high emergency bills.
Claims are managed digitally through a My Pet Health portal tied to your Chewy account, simplifying submissions and status tracking.
Policyholders can access a "Connect with a Vet" service for clinical questions and 24/7 plan support by phone or email, useful for urgent guidance and administrative issues.
Owners who need built-in installment billing or explicit long-term international coverage should confirm those specific services, since assistance focuses primarily on clinic payments, digital claims, and teleconsultation.
| Assistance Chewy | Available? | Details |
|---|---|---|
| Advance payment | ✅ | Direct-to-vet payment via Trupanion at participating clinics. Insurer pays its portion at checkout when the clinic is set up. |
| Payment facilities | N.C. | N.C. |
| Mobile app | ✅ | Mobile app and member portal (My Pet Health) available for claims and policy management. Rating: N.C. |
| Paperless claims process | ✅ | Claims submitted and tracked online through Chewy account/My Pet Health. Paperless uploads and digital claim status available. |
| Emergency vet service | ✅ | "Connect with a Vet" for health and behavior questions. 24/7 plan support available by phone or email. |
| Vet/clinic partner network | ✅ | Participating clinics that accept Trupanion payments enable direct pay. Availability varies by clinic. |
| Coverage abroad | N.C. | N.C. |
Customer Reviews on Chewy
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 3.5/5 (12,767 reviews) |
Customers frequently praise Chewy for its responsive customer support and fast, reliable service, and these strengths are often mentioned as easing interactions related to orders and account management. At the same time, recurring criticisms focus on issues with autoship management, order or prescription handling, and occasional fulfillment problems, which can create frustration when timely delivery or precise coordination is required.
No customer reviews specifically about Chewy’s pet insurance product (CarePlus) were available on Trustpilot or Google, so illustrative, pet‑insurance‑specific review examples cannot be provided.
Contact Chewy
| Chewy Customer Service | Details |
|---|---|
| To get a quote or subscribe online | Visit Chewy.com or the CarePlus by Chewy page to explore available plans; You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. Specific online subscription steps and required information: N.C. |
| To request and track a reimbursement | Submit claims through the Member Portal (Chewy account > My Pet Health). If your veterinarian is set up for Direct Vet Pay with Trupanion, payment can be made directly to the clinic at checkout. For additional submission channels you may contact customer service at 844-958-1679 or Care@Trupanion.com. Details on required documents, claim deadlines, and the reimbursement method when Direct Vet Pay is not used: N.C. |
| To obtain a certificate of insurance | Request a certificate via the Member Portal or by contacting customer service by phone (844-958-1679), email (Care@Trupanion.com), or postal mail (Trupanion, 6100 4th Avenue South, Suite 200, Seattle, WA 98108). Specific required information to process the request and expected turnaround time: N.C. |
| To contact assistance | Phone: 844-958-1679; Email: Care@Trupanion.com; Postal mail: Trupanion, 6100 4th Avenue South, Suite 200, Seattle, WA 98108; Member Portal: Chewy.com > My Pet Health. 24/7 plan support is available by phone or email, and a Vet Hotline ("Connect with a Vet") is offered through the plan. |
| To cancel my policy | Initiate cancellation by contacting customer service via phone (844-958-1679), email (Care@Trupanion.com), postal mail (address above), or by checking available options in the Member Portal. Exact cancellation procedure, required information, notice periods, and refund or prorated premium conditions: N.C. |
FAQ
Do I have to pay upfront for veterinary fees with Chewy?
Chewy's CarePlus plans can use a Direct Vet Pay system via Trupanion for participating veterinary hospitals.
If your vet accepts Direct Vet Pay, the clinic can bill the insurer at checkout and you only pay your deductible and any non-covered items.
If the clinic does not participate, you typically pay the bill up front and submit a claim for reimbursement through your Chewy account or partner portal.
Reimbursement is processed after the claim is approved and paid according to your plan's reimbursement percentage.
Confirm in advance with your clinic whether they accept Direct Vet Pay to avoid surprises.
How do I cancel my pet insurance policy with Chewy?
To cancel, contact your insurance partner or Chewy CarePlus customer support by phone or email and request policy cancellation.
Provide your policy number, account holder name, and the desired cancellation effective date.
Any prorated refund or final premium adjustment depends on your plan's billing and refund rules.
Keep a written confirmation of the cancellation for your records; processing time can vary.
What are the waiting periods for accident and illness coverage?
Chewy CarePlus applies short waiting periods before coverage begins for new policies.
Accident coverage usually begins after 5 days.
Illness coverage typically begins after 14 days.
Specific waiting periods for certain conditions (for example orthopedic or cruciate conditions) may differ by plan.
What reimbursement rates and deductibles can I expect?
Reimbursement rates vary by plan; a commonly cited example rate is 90% of eligible costs after the deductible.
You choose an annual deductible when enrolling, with common options such as $100, $500, or $1,000.
The deductible is applied once per policy year to eligible expenses before reimbursement.
Your out‑of‑pocket cost equals the deductible plus any portion not covered by the reimbursement percentage.
How do I submit and track a claim with Chewy?
Submit claims through your Chewy account via the "My Pet Health" member portal, by email to Care@Trupanion.com, or by mail to Trupanion's claims address.
Include itemized invoices and any required medical records to speed processing.
You can track claim status in the portal and receive updates by email; payout timing varies by case.
If more information is needed or you wish to appeal a decision, the claims team will contact you with next steps.
Do I have to pay upfront for veterinary fees with Chewy?
Chewy's CarePlus plans can use a Direct Vet Pay system via Trupanion for participating veterinary hospitals.
If your vet accepts Direct Vet Pay, the clinic can bill the insurer at checkout and you only pay your deductible and any non-covered items.
If the clinic does not participate, you typically pay the bill up front and submit a claim for reimbursement through your Chewy account or partner portal.
Reimbursement is processed after the claim is approved and paid according to your plan's reimbursement percentage.
Confirm in advance with your clinic whether they accept Direct Vet Pay to avoid surprises.
How do I cancel my pet insurance policy with Chewy?
To cancel, contact your insurance partner or Chewy CarePlus customer support by phone or email and request policy cancellation.
Provide your policy number, account holder name, and the desired cancellation effective date.
Any prorated refund or final premium adjustment depends on your plan's billing and refund rules.
Keep a written confirmation of the cancellation for your records; processing time can vary.
What are the waiting periods for accident and illness coverage?
Chewy CarePlus applies short waiting periods before coverage begins for new policies.
Accident coverage usually begins after 5 days.
Illness coverage typically begins after 14 days.
Specific waiting periods for certain conditions (for example orthopedic or cruciate conditions) may differ by plan.
What reimbursement rates and deductibles can I expect?
Reimbursement rates vary by plan; a commonly cited example rate is 90% of eligible costs after the deductible.
You choose an annual deductible when enrolling, with common options such as $100, $500, or $1,000.
The deductible is applied once per policy year to eligible expenses before reimbursement.
Your out‑of‑pocket cost equals the deductible plus any portion not covered by the reimbursement percentage.
How do I submit and track a claim with Chewy?
Submit claims through your Chewy account via the "My Pet Health" member portal, by email to Care@Trupanion.com, or by mail to Trupanion's claims address.
Include itemized invoices and any required medical records to speed processing.
You can track claim status in the portal and receive updates by email; payout timing varies by case.
If more information is needed or you wish to appeal a decision, the claims team will contact you with next steps.
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