Chewy Pet Insurance provides accident and illness coverage to your pet with the flexibility to include wellness add-ons. It allows you to easily customize the plan to meet your pet’s unique needs.
However, the real question is, “Does your pet need it, and is it worth it?”
Many pet parents fail to understand the importance of pet insurance. But the truth is that this insurance has many benefits and should be a priority for your pet’s safety.
Read now to discover why Chewy Pet Insurance is one of the best insurance companies for pets of all types.
Why Choose Pet Insurance for Your Pet?
If you have a pet, you may want to ensure they have a comfortable life with the right level of insurance. Insurance helps cover the high cost of veterinary treatments if your pet falls ill or faces an accident. It also reimburses you for expenses like cutting a holiday short to be home with your pet.
Pet insurance is designed to help you avoid any financial difficulty related to a pet needing a life-saving treatment. The potential costs of treating an injured pet are far more than paying for pet insurance.
Let’s dig deeper to see why Chewy can be your choice.
What is Chewy Pet Insurance?
Chewy Pet Insurance is an American company with Lemonade and Trupanion, offering various unique and attractive pet insurance plans. These plans are only available to Chewy customers.
Chewy insurance policies help cover a range of problems that you may encounter due to your pet’s illness. This is called illness coverage. Some policies also include easy access to a vet any day of the week via Chewy’s telehealth service.
This pet insurance is known as CarePlus Pet Insurance and is designed to cover a wide range of pet requirements. Chewy branched into pet insurance in 2022 and has been a great help to pet parents since then.
Coverage Options
So, what covered services do you get, and are they similar to most pet insurance companies out there?
Accident and Illness Plans
Chewy Pet Insurance offers four insurance tiers: Accident-Only, Essential, Essential-Plus, and Complete. Two of these plans are cheaper and are provided by Lemonade, while the other two are more costly and are offered by Trupanion.
Accident and illness plans cover veterinary expenses for accidents and illnesses. These are the most common policies offered by many pet insurance companies.
Each plan covers certain expenses or offers limited coverage, depending on which one you pick.
Accident-Only Plan
This plan is designed to cover injuries to your pet caused by getting hit by a vehicle, swallowing toxic or foreign substances, or bite wounds. The Accident-Only plan reimburses 80% of eligible expenses after a $250 annual deductible.
However, this plan does not cover new illnesses, allergies, or pre-existing conditions. It won’t cover veterinary costs for cancer as well.
Wellness Plans
Wellness plans cover expenses like annual wellness exams and vaccinations. This is the best plan with policies to cover your pet’s routine care.
You can add a wellness plan to a Chewy pet insurance plan through both Lemonade and Trupanion. However, you will have to approach Trupanion to provide a standalone wellness plan.
The wellness plans from Chewy Pet Insurance cover the following expenses:
- Blood tests
- Annual checkups
- Fecal tests
- Fleas
- Vaccines
Covered Conditions
Chewy Pet Insurance covers a wide range of problems, including accidents and illnesses. Routine vet expenses, such as annual check-ups and vaccinations, are also covered.
So, when you get Chewy Pet Insurance, know that you are in safe hands. However, like most other insurance policies, there are a few exclusions.
Exclusions
Whether you get Chewy Pet Insurance, Lemonade Pet Insurance, or any other option, almost all plans exclude the following expenses:
- Food and dietary supplements for your pet
- Grooming such as shampoos, nails and baths
- Pre-existing conditions are issues present before enrollment or during the waiting period.
- Exam and consultation exam fees for new accidents or illnesses unless enrolled in the Complete Accident and Illness Plan.
- Experimental treatment
Make sure that you are aware of these things so you can choose a plan wisely.
How Does Chewy Pet Insurance Work?
If your pet is at least 8 weeks of age, you can enroll in the Chewy pet insurance plan by Lemonade. There are no age restrictions for getting into the plan via Trupanion.
- Start with filling out a form mentioning your pet’s breed, type, sex, age, and other details.
- Submit the form for a quote.
- Once you get it and are satisfied, pick a plan you want to go for.
- Share all the required documents with the team, including your pet’s medical records, pet’s medical history, eligible vet bills, vet exam fee charges, and pet food list, and wait for them to be approved.
- Once they are, join the plan and benefit from its offerings.
To make sure that your enrollment experience goes smoothly, keep all your required documents in place so you can submit them on time. Also, read the policies in detail so you can save yourself from any misconceptions later.
How to Cancel Chewy Pet Insurance
You can cancel a Chewy pet insurance policy by contacting the company that handles your plan. Refunds will depend on the company and the plan chosen.
For instance, you can cancel your wellness plan with Trupanion at any time. The company will prorate a refund of your monthly cost. You can also cancel your wellness plan within the first 30 days after the enrollment date. If Trupanion has not paid any claims for your pet until then, the company will refund all of your monthly costs.
How to File a Claim with Chewy Pet Insurance
CarePlus by Chewy’s insurance partnership with Trupanion Pet Insurance allows some veterinarians to accept payment directly through Trupanion.
Pet owners can file claims through the My Pet Health dashboard or by mailing a copy of their itemized invoice to Trupanion.
If you have taken the insurance plan via Lemonade, you’ll get a link to download the application so you can file a claim easily.
How Much Is Chewy Pet Insurance?
So, how much does Chewy Pet Insurance cost? It isn’t possible to give a solid price tag to any pet insurance. That’s because the cost depends on factors like pet breed, size, age, health history, and location.
However, on average, Chewy’s mid-level accident and illness plan costs around $131 for dogs and $59 for cats.
Chewy Pet Insurance offers a 10% multi-pet discount on monthly premiums for enrolling multiple pets. Plus, there is also a 5% multi-pet discount and a 5% annual discount available when all payments are made upfront.
If you plan to take Chewy pet insurance via Trupanion, you will be eligible for a 10% multi-pet discount that applies to pet insurance plans and wellness plans.
Waiting Periods and Age Restrictions
All insurance companies have a waiting period, which is the time you have to wait before your coverage begins.
Waiting Periods for Chewy Pet Insurance
No pet insurance coverage starts immediately, with waiting periods for new events like accidents and illnesses.
Similarly, Chewy’s waiting periods vary, with specific details outlined in policy documents. For instance, if you opt for the Accident-only policy, you will have to wait for five days for accidents and 30 days for knee injuries.
For the Value policy, the waiting period is two days for accidents, 14 days for illnesses, and six months for knee injuries.
Finally, for the Essential, Essential Plus, and Complete policies, the waiting periods are five days for accidents, 14 days for knee injuries, and 14 days for illnesses.
The waiting period may also be different in every state. Make sure that you contact the relevant department to know the details.
Age Restrictions for Chewy Pet Insurance
If you opt for Chewy Pet Insurance plans via Lemonade, you will have to make sure that your pets are at least 8 weeks old. The maximum enrollment age for policies is 14, but that too can vary due to the breed.
If you plan to take your pet insurance plans through Trupanion, know that there won’t be any age restrictions to follow.
Customer Service and Reviews
Pet insurance by Chewy is available in almost 47 states, including Washington, D.C. In California, you can only purchase insurance through Lemonade. Similarly, in Delaware, Idaho, Kansas, Kentucky, Louisiana, Minnesota, South Dakota, West Virginia, Wyoming, and Maine, you can only get Trupanion policies.
Before you go to get a plan, make sure you read about customer service and reviews.
Chewy’s website is well-designed, with quotes on different plans available. While Chewy doesn’t have an application of its own, you can manage the insurance plan through Lemonade or Trupanion’s application.
The great thing about Chewy is that you can contact the customer service team 24/7 through the following ways:
- Phone: 1-800-672-4399
- Email: support@chewy.us.com
- Live chat with a Chewy customer service representative
This is one of Chewy’s most appreciated qualities, and many customers have mentioned it in their reviews.
Comparing Chewy Pet Insurance to Other Providers
To get the best pet insurance, you must compare the above few options to see which one is the right option for you. Chewy Pet Insurance is quite like many other pet insurance companies, but small differences make some companies better than others.
For instance, Healthy Paws policies are as flexible as Chewy’s. However, the former plans are more expensive than Lemonade policies through Chewy. Moreover, Healthy Paws does not offer a wellness plan option, but Chewy does.
Similarly, Pumpkin pet insurance policies are also quite pricier than Chewy policies through Lemonade. The latter also covers more than the former.
Conclusion
How did you find this Chewy Pet Insurance review? Have we convinced you to get your hands on the best wellness plans? If yes, request a quote as per your case and use Chewy coupon codes to get any discounts on the total cost.
A pet health insurance bought today is a savior from all the problems you may have to face in the future. Therefore, don’t delay. Call a representative at Chewy now!
