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Careplus by Chewy Pet Insurance Review

In a nutshell: With wellness and insurance plans fitting every budget, Careplus by Chewy offers reliable coverage and comprehensive protection for your pets.

Careplus by Chewy Pet Insurance Review

In a nutshell: With wellness and insurance plans fitting every budget, Careplus by Chewy offers reliable coverage and comprehensive protection for your pets.

Careplus by Chewy Pet Insurance Review

Overview

As a pet owner, you want to make sure your furry friend has access to the best possible care. CarePlus offers a unique selection of wellness and insurance plans that are specifically designed for Chewy customers to deliver a pet-first experience.

With CarePlus, you can choose from plans that cover wellness preventative care and accident and illness coverage or combine them for comprehensive protection. Whether your furry friend is a cat or dog, Chewy has got you covered with plans that fit every budget. Chewy Health is committed to the well-being of your pet, and with CarePlus, you have the ability to provide your pet with the best possible care during all of life's moments.

Policies

CarePlus by Chewy pet insurance offers a diverse range of pet wellness and insurance plans that can be purchased separately or combined. The plans are provided in partnership with Trupanion and Lemonade, well-known insurers with a reputation for excellent customer satisfaction.

When you enroll in an insurance or wellness plan, Trupanion or Lemonade will contact you regarding your plan. Perks of Trupanion include 24/7 live agent support, direct-to-vet claims payments, and over two decades of insurance experience. And perks of Lemonade include fast app-based service, instant claims payment, and the ability to support charities you care about.

Insurance plans are designed to assist in unexpected accidents and illnesses. These cover various healthcare needs such as surgeries, X-rays, medications, and hospitalization fees. To maximize coverage, enrolling your pet in a plan while they are young and healthy is advisable, as pre-existing conditions would not be covered if they fall ill or get injured before being insured.

On the other hand, wellness plans are affordable annual packages that focus on preventative care for your pet. These plans cover veterinary exams, vaccines, lab tests, dental cleaning, spaying/neutering, and flea, tick, and heartworm medications.

If you wish to bundle a wellness plan with an insurance plan for the same pet, both plans must be from either Trupanion or Lemonade. However, if you have multiple pets, you can choose a Trupanion plan for one pet and a Lemonade plan for another. You have the option to purchase a wellness plan from Trupanion without an accompanying insurance plan. But Lemonade wellness plans are only available in addition to an insurance plan.

Limitations

Chewy pet insurance has certain limitations that pet owners should be aware of:

Waiting periods and pre-existing conditions

Waiting periods and pre-existing condition exclusions apply to insurance plans. Any illness or injury that your pet displayed signs of before enrolling or during the waiting period is considered pre-existing and won't be covered. To ensure coverage for unexpected accidents and illnesses, it's best to enroll your pet as soon as you bring them home.

With Trupanion insurance plans, they review your pet's medical history after the waiting period, providing details on past conditions that may impact coverage. This review doesn't apply to Accident Only plans. Lemonade insurance plans also review your pet's medical history to determine pre-existing conditions, but these conditions don't affect your eligibility or premium price; they only influence what Lemonade can cover.

The waiting period for insurance plans depends on whether it's provided by Trupanion or Lemonade. Trupanion's waiting period starts from the plan purchase date, while Lemonade's waiting period begins on the policy effective date. Wellness plans don't have waiting periods and focus on proactive pet healthcare.

Limited coverage by states

Coverage availability may vary by state.

Cost

For a one-year-old small female dog, CarePlus by Chewy pet insurance offers a selection of Wellness and Insurance plans to meet different pet owners' needs.

The Wellness plan, provided by Trupanion, includes two options:

Standard Wellness: This plan costs $20 per month and offers comprehensive coverage. With 100% coverage and a $290 annual limit, there is no deductible. The plan covers an annual check-up for up to $75, fecal tests for up to $40, vaccines for up to $80, blood tests for up to $50, heartworm tests for up to $45, and flea, tick, or heartworm medications. Additionally, pet owners can benefit from free video consults with a vet.

Comprehensive Wellness: Priced at $33 per month, this plan provides extensive coverage for your pet. It includes 100% coverage with a higher annual limit of $455 and no deductible. The plan covers an annual check-up for up to $90, fecal tests for up to $40, vaccines for up to $80, blood tests for up to $75, heartworm tests for up to $45, and a more generous coverage of up to $125 for flea, tick, or heartworm medications. As with the Standard Wellness plan, free video consults with a vet are also included.

For pet owners looking for Insurance plans to protect against unexpected accidents and new illnesses, CarePlus has the following options:

Accident Only: Priced at $9.76 per month, this plan provides coverage specifically for accidents.

Essential Accident & Illness: This plan costs $41.47 per month and offers essential coverage for both accidents and illnesses.

Essential Plus Accident & Illness: At $49.25 per month, this plan builds upon the Essential coverage, providing additional protection for accidents and illnesses.

Complete Accident & Illness: Priced at $60.43 per month, this comprehensive plan covers a wide range of accidents and illnesses, ensuring your pet receives the care they need.

With CarePlus, pet owners have the flexibility to choose from various Wellness and Insurance plans, each designed to cater to their beloved pet's specific needs and budget.

Customer Support

Chewy offers customer support through a variety of channels, including phone, online contact form, and live chat. Whether you have a complaint or a compliment, one of the friendly representatives is ready to help you out. The company has a reputation for excellent customer service, with many customers reporting positive experiences with the support team.

Not only can you reach out to the customer care team, but Chewy also has an extensive FAQ section on the official website that anyone can access at any time. The company doesn't cut corners when it comes to providing useful information to its customers.

Most Commonly Asked Questions About Dog Insurance Plans

Before getting started with a dog insurance plan make sure to familiarize yourself with how dog insurance works and what plan is best for your furry friend. To help you get started, we've compiled a list of some of the most commonly asked questions about dog insurance to help make sure your dog is fully covered and protected.

Who is Dog Insurance For?

Pet insurance can benefit anyone with a dog. Whether you're bringing home a new puppy or adopting a mature dog from a pet rescue, making sure you have the right dog insurance can end up saving you more money than you realize. If you've had a dog for years but have never had dog insurance, some of the best dog insurance plans could benefit you. Plans cover routine visits as well as emergency care. This means that you wouldn't pay much for routine vet visits, and you have the added security of emergency care coverage.

Having dog insurance is a good idea no matter the age of your pet. Owners with older dogs can especially benefit because, as dogs age, their bodies need more care and attention, just like people. Older dogs should be insured by a provider that offers specialized care for senior dogs. Those who have just gotten a puppy can benefit from dog insurance as well. Puppies need to go to the vet to get many different vaccinations. Therefore, the best dog insurance plan for the owner of a puppy should cover preventative care.

Is Dog Insurance Worth It?

Healthcare for pets can end up costing a lot of money. Having dog insurance provides you with the security of knowing that, in an emergency, you can choose the right medical option for your pet without spending a fortune. You don't have to make any decisions about your pet's well-being based on your finances.

If you already take your dog to the vet on a routine basis, you should look for insurance that covers routine visits and vaccinations. Finding the right pet insurance for your situation and your pet is key. To do this, review the features of the plans available and the type of coverage offered. If you have multiple pets, for example, some companies give discounts on dog insurance for more than one animal.

Can Dog Insurance Save You Money?

Dog insurance can save you money if you choose the right one for your and your pet's needs. When it comes to emergency care, having dog insurance can help you save big. Pet surgeries for emergency situations can get expensive. If your dog experiences an accident, you can end up with vet bills costing thousands of dollars.

Because many dog breeds are very active, they can injure themselves by running, jumping, and playing just as humans do. If your pet lands wrong after jumping or overexerts themselves while running, they could easily tear a ligament in one or more of their limbs. Testing and specialized surgery to repair something like a torn cruciate ligament can leave you with vet bills totaling more than $5,000.

Coverage could cover most of the surgery costs and decrease the bill by almost $4,000 with the right copay and deductible. If your pet has an accident with a car, you could end up paying around $10,000 for the surgeries needed in order to save their life. In this situation, dog insurance with the right copay and deductible ensures that you receive reimbursement for the majority of surgery costs.

What Are Some Common Dog Health Problems?

Dogs have many common health problems that may require you to take your pet to the vet. Having dog insurance gives you peace of mind knowing you can afford pet care. For example, stomach issues represent one of the most common causes for a vet visit among dogs. Dogs suffering from symptoms like vomiting, diarrhea, and refusing food may need an ultrasound, which can range anywhere from around $300 to $500. Some cases may also require additional testing like an endoscopy, which can cost from $800 to $1,000, or a $3,000 CT scan. The best dog insurance plans offer 80-90% reimbursement, so having a dog insurance plan when your pet needs extensive testing could turn out as a financial lifesaver.

Dogs often need treatment for skin conditions, ear and eye problems, and growths. If your dog needs treatment for a skin condition like dermatitis, you may need to pay anywhere between $100 to $500 for their prescriptions. The bill for a visit to the vet for something as small as an ear infection could cost as much as $250. If your pet needs treatment for an eye condition, surgery could cost thousands of dollars. When dogs need care for a growth, a biopsy can cost as much as $1,500. If test results show signs of cancer, a full course of chemotherapy can cost around $15,000. A number of pet insurance plans cover preventative care so that you can catch a lot of issues early on and avoid these high costs. Plans also include illness coverage if your pet is diagnosed with a serious condition.

Which Pet Insurance Provider is Good for Dogs?

There are a number of factors to consider. The best dog health insurance for one pet may not always make sense for another. Circumstances vary from animal to animal so you should think of your pet's age, breed, and overall health when selecting insurance. Of course, you'll also need to consider your budget, the type of specialized services you may need (such as grooming, breeding, etc.), and how many pets you have.

If you have an older dog, Pets Best and Petplan stand out as two of the better dog health insurance companies. Pets Best does not have upper age limits for coverage, and Petplan has plans designed specifically for senior dogs. It's important to note, however, that Petplan can get pricey, and they have no wellness program.

Along with its age, your dog's breed plays a major role in coverage and price for pet insurance. Larger breeds like bulldogs, mastiffs, retrievers, and Rottweilers are more prone to conditions like hip dysplasia. If you have a larger breed, you should look for a provider that will cover things like hip dysplasia and other conditions that affect large breeds.

For those seeking dog insurance for multiple dogs, the ASPCA offers owners of more than one dog special low rates. Unfortunately, the ASPCA does not cover pre-existing conditions.

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