Careplus by Chewy® Review (2025)

Chewy® is widely known as a trusted platform for pet products, and its transition into offering pet insurance via Careplus is a natural extension of its dedication to pet care. Careplus aims to make managing your pet’s health simple, affordable, and straightforward, combining the best of Chewy’s customer service with an insurance product designed to meet the diverse needs of pets.

Careplus by Chewy® is a comprehensive pet insurance provider designed to offer peace of mind by covering unexpected veterinary bills. Whether you’re dealing with a sudden illness, an accident, or even a chronic condition, Careplus offers flexible plans to ensure your pet receives the best care without you having to worry about the cost.

Coverage for Pets

What Does Careplus Cover? Careplus offers a broad range of coverage options to protect your pet’s health in different situations. Understanding the types of coverage available is essential for making the right choice for your pet’s unique needs. Here’s what Careplus covers:

• Accidents and Injuries: This includes treatment for injuries such as broken bones, burns, cuts, or foreign object ingestion. These emergencies can be expensive, but with Careplus, your pet will be covered when the unexpected happens.
• Illnesses: Careplus provides coverage for a wide variety of illnesses, including infections, respiratory conditions, and chronic conditions like arthritis or diabetes. From routine illnesses to severe conditions like cancer, Careplus ensures your pet has the medical support they need.
• Hereditary and Congenital Conditions: One of the standout features of Careplus is that it covers hereditary and congenital conditions, which are often excluded by many pet insurance providers. If your pet has a breed-specific condition—like hip dysplasia in a Labrador or respiratory issues in a Persian cat—Careplus has you covered.
• Emergency Care: Accidents and injuries don’t follow a schedule, so Careplus includes emergency care coverage. Whether it’s a sudden poisoning, a major injury, or a life-threatening illness, Careplus ensures your pet receives urgent care when it’s needed most.

Tailored Plans for Cats and Dogs: Careplus understands that each pet is different, and so are their insurance needs. That’s why Careplus offers customized plans for both dogs and cats, taking into account their age, breed, and health history. Whether your pet is a playful puppy, a senior dog, a mischievous kitten, or an older cat, Careplus tailors coverage to fit their individual needs, giving you the flexibility to choose the plan that’s right for your situation.

Plans and Pricing

Key Plan Options: Careplus offers three distinct insurance plans to suit the various needs of pet owners:

1. Accident-Only Plan: This is the most affordable option, providing coverage exclusively for accidents. If your pet is prone to getting into mischief or you simply want to cover the basics, this plan ensures that injuries, such as broken bones or swallowing foreign objects, are taken care of.
2. Comprehensive Plan: This plan provides broader coverage, including both accidents and illnesses. It covers everything from routine infections to chronic conditions like arthritis, cancer, or diabetes. If you’re looking for a more extensive safety net for your pet, the comprehensive plan offers the most well-rounded protection.
3. Wellness Plan: While the wellness plan isn’t part of standard insurance coverage, it’s a useful add-on for pet owners who want to stay on top of their pet’s routine health needs. This plan covers preventive treatments, including vaccinations, check-ups, flea/tick prevention, and even dental cleanings. Regular wellness care helps catch health issues before they become major problems, potentially saving you money in the long run.

Factors That Affect Pricing: Pet insurance pricing can vary significantly depending on a range of factors. For Careplus, premiums are determined based on the following:

• Pet’s Age: Older pets tend to have higher premiums due to an increased likelihood of health issues.
• Breed: Certain breeds are more susceptible to specific conditions, which can affect pricing.
• Location: The cost of veterinary care varies by location, so premiums will reflect regional differences.
• Pet Size: Larger pets may incur higher premiums as they often require more expensive treatment.

Additionally, Careplus offers some flexibility with its pricing options, including discounts for multiple pets or annual payments, making it more affordable for households with more than one pet. You can also get an instant quote online to determine how much your plan will cost based on your pet’s specific details.

What’s Included in Preventive Care?

One of Careplus’s most appealing features is its Preventive Care Add-on, which is designed to help you stay proactive about your pet’s health. While most insurance plans only cover treatment for accidents or illnesses, the Preventive Care Add-on allows pet owners to address routine health needs as well.

The add-on covers:

• Regular check-ups to monitor your pet’s overall health and catch any potential issues early.
• Vaccinations such as rabies, distemper, and others that are crucial for your pet’s immune system.
• Flea and tick prevention to ensure your pet doesn’t fall victim to these pests, which can lead to severe health problems.
• Dental cleanings to keep your pet’s teeth and gums in good condition—important for preventing dental disease, which can lead to other health complications.

By including preventive care, Careplus ensures that you’re not just reacting to health problems but actively working to keep your pet healthy, which can lead to fewer emergencies and lower overall veterinary costs in the long run.

Claims Process and Reimbursements

How to File a Claim: Careplus aims to make the claims process as straightforward as possible. Filing a claim is simple and quick:

1. Log in to the Careplus Portal: Create an account or log in to your existing account on the Careplus website.
2. Submit Claim Details: Upload relevant documents, including your pet’s medical records and receipts from the vet.
3. Review and Process: Once your claim is submitted, the Careplus team will review it and begin processing.

Careplus is known for its fast and efficient claims processing, so you don’t have to wait long to receive reimbursement.

Reimbursement Options: Careplus offers two reimbursement options for your convenience:

• Direct Deposit: This is the quickest option, with funds typically deposited into your account within a few days of claim approval.
• Check: If you prefer a paper check, Careplus will send it to your address after your claim is processed.

This flexible reimbursement system ensures that you’re able to get the funds you need without delay.

Customer Support

Support Channels and Availability: One of the hallmarks of Chewy’s reputation has always been its outstanding customer service, and Careplus is no exception. Careplus offers several support channels to help you with any questions or issues you may have:

• Phone Support: You can reach Careplus by phone for personalized assistance.
• Email Support: If you prefer written communication, email support is available.
• Live Chat: For real-time assistance, the live chat feature allows you to talk directly to a representative.

Extra Help at Every Step: In addition to traditional support, Careplus offers an extensive FAQ section on its website. Here, you can find answers to common questions about coverage, claims, and the overall process. This self-service resource is invaluable for quick solutions, saving you time and effort.

Conclusion

Careplus by Chewy® Pet Insurance offers a flexible, affordable, and comprehensive solution for protecting your pet’s health. With extensive coverage options for accidents, injuries, illnesses, and even hereditary conditions, Careplus ensures that your pet is covered in virtually any scenario. The wellness add-ons and tailored plans for both dogs and cats make it a versatile choice for pet owners with diverse needs.