As pet owners and globetrotters, traveling with our furry best friends is always going to give us an unforgettable adventure. However, unexpected accidents or illness can quickly dampen the fun. We’ve learned from our mistakes, which was why we decided to get ourselves a Chewy pet insurance, CarePlus. Trust us, pet insurance is essential for any dog, and even cat owner, who plans to hit the road. Today, we’ll let you know why we chose CarePlus to protect our favorite four-legged friend. We’ll delve into the many reasons that led us to select Chewy, including its coverage options. Keep reading and follow our steps so you can travel with your pet stress-free!
Partnership with Trusted Providers
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One of the reasons why we love the Chewy pet insurance, also known as CarePlus, so much, is because it offers service through partnerships with two highly reputable pet insurance companies, Trupanion and Lemonade. We’ve heard a lot of good stuff about them both. This collaboration ensures that we have access to a wide range of coverage options, tailored to our specific needs.
Trupanion
Trupanion is a longstanding leader in the pet insurance industry, recognized by veterinarians as the number one choice. With decades of experience, Trupanion offers several key benefits:
- 24/7 live agents: Providing personalized support and guidance.
- Direct-to-vet claims payments: Streamlining the reimbursement process for pet owners.
- Extensive insurance expertise: Ensuring comprehensive coverage for various pet health needs.
Lemonade
Lemonade, on the other hand, is a more recent entrant to the pet insurance market, known for its innovative approach and technology-driven solutions. Key features of Lemonade’s pet insurance include:
- Fast app-based service: Offering a convenient and efficient way to manage policies.
- Instant claims payments: Providing quick reimbursement for covered expenses.
- Support for charitable causes: Allowing policyholders to contribute to organizations they care about.
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Plans to Suit Your Pet’s Needs
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Chewy offers a range of insurance plans through partnerships with Lemonade and Trupanion, catering to various needs and budgets. Thanks to this flexibility, we, as pet owners, can find a plan that best suits our pet’s specific health requirements and financial considerations.
Chewy offers one accident-only plan and three accident and illness plans, which are Value, Essential Plus, and Complete, with the more premium plans offered exclusively by Trupanion. Whether you’re looking for Chewy cat insurance plans or your dog, there’s always a plan that suits your needs. Since we want the best, we opt for the Chewy Complete plan. Take a look at the details of each plan below!
Lemonade Plans
Lemonade provides accident-only and accident and illness plans, known for their straightforward policies and competitive pricing.
- Accident-Only: This plan offers comprehensive coverage with 100% reimbursements for accident-related prescription medicine, along with 80% reimbursements for accident-related surgeries, tests, and medications.
- Chewy Value: This plan provides both accident and illness coverage with a 20,000 USD annual limit as well as 80% reimbursement on medications, surgeries, and treatments. It also covers vet exam fees.
While Lemonade’s plans offer a good level of coverage, it’s important to note that they may have limitations on certain conditions, such as dental issues, behavioral therapies, and pre-existing conditions.
Trupanion Plans
Trupanion offers Chewy’s upper-tier plans, which are the Essential Plus and Complete, offering comprehensive coverage.
- Chewy Essential Plus: This plan provides a solid foundation, covering surgeries, hospital stays, tests, prescription medicine, and dental illnesses. With unlimited coverage and 90% reimbursement, it offers significant financial protection. While it doesn’t cover vet exam fees, it does include 100% reimbursement for veterinary diet food for 120 days.
- Chewy Complete: Those who are looking for even more comprehensive coverage can consider this plan. We use this plan as it includes everything offered in the Essential Plus plan, plus coverage for vet exam fees and therapy for behavioral and physical issues. Additionally, it extends the veterinary diet food coverage to 180 days.
Both plans offer 100% reimbursement for orthotic and prosthetic devices, providing peace of mind in case of unexpected injuries.
Wellness Plan
Another plan that we find really helpful is the Wellness Plan. This is an add-on feature that you can purchase through Trupanion and Lemonade. However, if you’re interested in getting a standalone Wellness Plan, it can only be purchased through Trupanion.
In addition to the Chewy Complete plan, we also add the Wellness Plan as it covers a range of essential preventive care expenses, including:
- Annual check-ups: Regular visits to the veterinarian for overall health assessments.
- Blood tests: To monitor your pet’s blood health and detect any potential issues.
- Fecal tests: To check for parasites and intestinal health.
- Heartworm tests: To screen for heartworm infections, which can be fatal if left untreated.
- Flea, tick, and heartworm medication: To protect your pet from these pesky and potentially dangerous parasites.
- Vaccines: To safeguard your pet against contagious diseases.
For a clearer comparison of each plan, take a look at the table below!
| Plan | Type of coverage | Annual limit | Reimbursement rate | Wellness plan |
|---|---|---|---|---|
| Accident-only | Accident | Unlimited | 100% for medicine, 80% for surgeries, tests, and treatments | Yes |
| Chewy Value | Accident and illness | 20,000 USD | 80% for medicine, treatments, tests, and surgeries | Yes |
| Chewy Essential Plus | Accident and illness | Unlimited | 90% for surgeries, hospital stays, and tests, 100% for medicine | Yes |
| Chewy Complete | Accident and illness | Unlimited | 90% for surgeries, hospital stays, and tests, 100% for medicine | Yes |
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Impressive Coverage Levels
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Another reason why we choose Chewy’s CarePlus is because it has plenty of coverage options to suit the needs of different pet owners. It makes traveling with our dogs more flexible and convenient.
Maximum annual coverage limit options
While many other pet insurance companies impose strict limits on annual reimbursements, the Chewy dog insurance plans range from 20,000 USD to unlimited annual coverage. This flexibility ensures that you can find a plan that provides adequate financial protection for your pet’s healthcare needs, regardless of their breed or health history.
Deductible options
Additionally, Chewy offers a consistent 250 USD deductible in most states, making it easier to budget for unexpected veterinary expenses. However, it’s worth noting that California residents will face a slightly higher deductible of 500 USD.
Reimbursement options
You can choose between 80% and 90% reimbursement levels, which means that you’ll only be responsible for a portion of your pet’s veterinary bills after meeting the deductible. This can significantly alleviate the financial burden associated with unexpected illnesses or injuries.
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Generous Discounts
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One of the standout features of Chewy Insurance is the generous discounts it offers. This makes Chewy a cost-effective option for pet owners, especially those with traveling dogs.
Pet Insurance through Lemonade
- Multi-Pet Discount: Enjoy a 5% discount on the accident and illness portion of your policy when you insure multiple pets.
- Annual Payment Discount: Receive a 5% discount if you opt to pay for the full year of coverage upfront.
- Bundling Discount: Get a substantial 10% discount on both your pet insurance and other qualifying policies (homeowners, renters, term life, or car insurance) when you bundle them together.
Pet Insurance through Trupanion
- Multi-Pet Discount: Benefit from a 10% discount on both pet insurance plans and wellness plans when you insure multiple pets.
These discounts can significantly reduce the overall cost of your pet insurance, making it more affordable to protect your furry companion while on the road. By taking advantage of these offers, you can ensure that your dog receives the necessary care without breaking the bank.
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Live Vet Access
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Even though we’re traveling, we never have to worry about not being able to contact any vet. That’s because Chewy offers a super helpful feature, which is the live vet access. This service offers a convenient and affordable way to get expert veterinary advice, especially for pet owners who frequently travel.
Below are some of our favorite things about the live vet access:
- 24/7 availability: You can connect with a licensed veterinarian or vet tech any time of day, making it ideal for addressing unexpected health concerns while traveling.
- Personalized consultations: Each session provides tailored advice based on your pet’s specific needs and circumstances.
- Free for Chewy customers: Unlimited text-based consultations are included with any Chewy purchase, making it easy to get quick answers to your questions.
- Affordable video calls: For more in-depth consultations, video calls are available for a reasonable fee of 19.99 USD per 20 minutes.
- Free video calls with CarePlus plans: If you have a CarePlus plan, you can enjoy unlimited video calls at no additional cost, providing even greater value.
With Chewy’s live vet access, you can rest assured that your furry friend will always have access to quality veterinary care, no matter where you may be.
“We’ve always enjoyed talking to the vets through Chewy’s live vet access. They’re extremely resourceful and friendly.”
WOW Travel
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How To Choose The Best Chewy Pet Insurance Plan
Knowing which CarePlus plan to choose can be a hassle for some. To make things easier, consider the following:
Type of Coverage
First of all, consider the type of coverage your pet needs. Accident-only plan only covers accidents like falls or ingesting foreign objects. It’s suitable for pet owners who believe their pet is less likely to develop illness. Meanwhile, accident and illness plans cover both. This includes chronic conditions, hereditary diseases, and organ failure. It’s more comprehensive but also more expensive.
Annual limit
The annual limit is the maximum amount the insurance company will pay out each year. If your pet’s medical expenses exceed the annual limit, you’ll be responsible for the remaining costs. Some plans offer unlimited coverage, meaning there’s no annual cap on the amount the insurance company will pay. This can be beneficial for pets with chronic health conditions or those prone to expensive treatments.
Reimbursement rate
The reimbursement rate is the percentage of the veterinary bill that the insurance company will cover. Higher reimbursement rates mean you’ll pay less out-of-pocket. Reimbursement rates can vary depending on the type of treatment, the provider, and the specific insurance plan. Some plans may have deductibles or co-payments that affect the amount you’ll receive.
While we’re talking about Chewy and traveling with pets, you should also check out our carefully curated posts of the best wet cat food on Chewy for travel, the best Chewy dog food brands for traveling dogs, and the best cat toys on Chewy for travel.
Who does Chewy use for insurance?
Chewy offers pet insurance plans through Lemonade and Trupanion. This means that while Chewy is the platform where you purchase the insurance, the actual coverage is provided by these partner companies.
Is Trupanion owned by Chewy?
No, Trupanion is not owned by Chewy. However, they have a strategic partnership where Chewy offers Trupanion insurance plans to its customers.
How much is Chewy’s pet insurance?
Chewy’s insurance costs vary depending on factors like your furry friend’s breed, age, location, and desired coverage. You can get a personalized quote by visiting their website or contacting their customer service.
Some images on this article are copyrighted by Chewy.
