Chewy Pet Insurance Review

Chewy pet insurance plans and cost

Options include a wellness add-on for routine care, an accident-only plan, or an accident and illness plan. Vet exam fees are available through an extra add-on.

One published price example shows $30 per month for a dog. For puppies and kittens, that rate is both a starting price and the national average on an accident and illness plan. This number comes from one published example for one pet, and it is never a typical price.

Policies carry a $500 annual deductible. Your deductible is the amount you pay each year toward covered vet bills before the plan starts paying. Once you reach that amount, the policy pays its share, and yearly payouts are unlimited. If you insure multiple pets, your household can get up to 10% lower premiums.

What Chewy covers and leaves out

Your medical coverage depends on the policy you select. Care-specific options and limits apply to several types of services:

• Hereditary conditions: Accident and illness policies cover them.
• Dental illness: Coverage is limited, and only some CarePlus plans cover dental disease.
• Treatments for behavior issues: Coverage is limited, and some plans exclude them.
• Alternative therapy: Coverage depends on the policy, and limits apply.
• Exam fees and routine care: Some base plans exclude them, but you can purchase an exam fee or a wellness add-on.

Pre-existing conditions aren't paid for under standard policies. If your pet showed signs of an injury or illness before coverage began, it's a pre-existing condition. Still, conditions that can be treated and fully resolve (like parvo) may be covered later. Policies also exclude treatments caused by neglect or abuse. Some plans also exclude physical therapy, and accident-only plans exclude illnesses.

Waiting periods and age limits at Chewy

Health problems that begin during the first waiting periods won't be paid for by a new policy.

• Accidents: 5 days of waiting
• Illnesses: 14 days of waiting
• 14 days for orthopedic conditions of waiting
• Cruciate ligament injuries: 30 days of waiting

When you enroll a dog or cat, no upper age limit applies. Enrollment is open to pets at any age, and they can receive coverage for new illnesses and injuries.

Claims and reimbursement at Chewy

The policy you choose determines how you submit a vet bill. With select CarePlus plans, the company can send payment straight to your vet at checkout, leaving only your share. Only those specific plans allow payment straight to the veterinarian.

With those plans, most regular-bill claims take 24 hours or less. The other CarePlus policies run claims through an app, and you upload receipts from your phone.

Who Chewy works for

CarePlus suits owners of senior dogs or cats, since pets can enroll at any age and get coverage for new conditions. It also fits when you want a high reimbursement rate, claims handled in 24 hours, and payment straight to your vet on select plans.

In Alaska, California, Hawaii, or Vermont, some plans are not sold, so you might look elsewhere. Other options may suit you if you want different deductible amounts, or if you need dental disease coverage on every plan.

Common questions

Do you think Chewy pet insurance is worth it?

Your budget fit depends on whether you want a fixed deductible and yearly payouts with no cap. We suggest checking the plans sold in your state. Most buyers can cancel within 30 days and get a full refund if they file no claims.

Does Chewy pet insurance pay for pre-existing conditions?

No, your policy won't cover health issues that appeared before its waiting periods ended. However, a curable illness such as parvo that your pet had and that completely resolves may be covered later by the policy.

How can you get a Chewy pet insurance quote?

The Chewy CarePlus website lets you see available plans for your dog or cat. You will choose your pet type, confirm availability in your state, and decide between base plans or optional add-ons for wellness and exam fees.