Chewy Pet Insurance (CarePlus) Review: Plans, Costs & Is It Worth It?

<!DOCTYPE html> <html lang="en-US"> <head> <title>Chewy Pet Insurance (CarePlus) Review: Plans, Costs & Is It Worth It?</title> <meta charset="UTF-8"> <meta name="viewport" content="width=device-width, initial-scale=1" > <meta name="title" content="Chewy Pet Insurance Review (CarePlus): Is It The Best Choice For Your Pet?" > <meta name="datePublished" content="2024-08-02T15:21:36Z" > <meta name="dateModified" content="2024-10-08T00:49:42Z" > <meta name="news_keywords" content="Personal Finance, Insurance, Pet Insurance" > <meta name="description" content="Chewy offers pet insurance through partner companies Lemonade and Trupanion. 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window.allScripts.push({ type: "load", script: "%3Cscript%20src%3D%22https%3A%2F%2Fwww.googletagmanager.com%2Fgtm.js%3Fid%3DGTM-MP6F46L%22%20data-consent%3D%22ANALYTICS%22%20data-track-load%3D%22gtm%22%3E%3C%2Fscript%3E" });</script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"Article","mainEntityOfPage":{"@type":"WebPage","@id":"https://www.businessinsider.com/personal-finance/pet-insurance/chewy-pet-insurance-review"},"editor":{"@type":"Person","name":"Paul Kim"},"author":[{"@type":"Person","name":"Katherine Fan","sameAs":"https://www.businessinsider.com/author/katherine-fan"},{"@type":"Person","name":"Evelyn He","sameAs":"https://www.businessinsider.com/author/evelyn-he"}],"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Chewy Pet Insurance (CarePlus) Review: Plans, Costs & Is It Worth It?","alternativeHeadline":"Chewy Pet Insurance Review (CarePlus): Is It The Best Choice For Your Pet?","image":{"@type":"ImageObject","url":"https://i.insider.com/63e3ae9096242f0019e7ede7?width=1200&format=jpeg","width":1200,"height":900},"name":"Chewy Pet Insurance Review (CarePlus): Is It The Best Choice For Your Pet?","datePublished":"2024-08-02T15:21:36Z","dateModified":"2024-10-08T00:49:42Z","description":"Chewy offers pet insurance through partner companies Lemonade and Trupanion. Read our Chewy pet insurance review to compare rates, coverage, and exclusions.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate pet insurance products to write unbiased product reviews.CarePlus by Chewy is a newbie on the pet care market, with pet insurance and wellness plans offered through partner provider Trupanion and Lemonade Pet. American Pet Insurance Company underwrites CarePlus plans.Business Insider compared Chewy to the best pet insurance companies and found it to lag behind the rest of the industry, lacking the flexibility necessary to cover a wide range of pet needs.Chewy is a well-known online retailer for pet supplies and food. It branched out into pet insurance in 2022 through partnerships with Trupanion and Lemonade, more established pet insurance providers.Chewy offers four plans that increase in coverage, two cheaper plans provided by Lemonade, and two more expensive plans provided by Trupanion. These plans aren't much different than plans you'd find by going directly to its partners. The main benefit that Chewy adds is free video consultations and 100% prescription medicine reimbursement on some of its plans. The trade-off for these benefits is a lack of policy flexibility, which is unfortunate as policy flexibility is one of Lemonade's best features. Reimbursement levels and coverage limits are pre-set and customers can choose a deductible of $250, $500, or $1,000. Additionally, Chewy doesn't offer many of the optional riders available with its partners.Chewy's policies also wildly uneven across tiers. Lemonade and Trupanion are extremely different services, on opposite ends of the cost spectrum. Shopping for a Chewy policy feels less like you're looking at one pet insurance option, but choosing between two very different insurance companies.Ultimately, we found very little reason to buy pet insurance through Chewy instead of simply buying a policy directly with its partners.Get Pet Insurance QuotesFind affordable pet insurance policies with Petted.Chewy pet insurance offers one accident-only plan and three accident and illness plans: Value, Essential Plus, and Complete. These plans are offered through partnerships with Lemonade and Trupanion, not Chewy itself. We'll go through Chewy's plans by focusing on policies offered by Lemonade and Trupanion separately, as policy details hinge on which partnership policy you choose.Lemonade pet insurance is known for its policy's flexibility and its discount options. Lemonade is responsible for Chewy's accident-only plan and Base and Value accident and illness plans. Plan availability varies based on your location and your pet's age and breed.Customers have deductible options of $250, $500, and $1,000 for all Chewy policies. Additionally, all Chewy policies include free video consultationsAccident-only: Lemonade's accident-only plan through Chewy offers unlimited coverage with 100% reimbursements on accident-related prescription medicine and 80% reimbursements on accident-related surgeries, tests, and treatments.Chewy Base: Lemonade's Base plan offers accident and illness coverage with a $20,000 annual limit and 70% reimbursement on medicine, treatments, tests, and surgeries. Chewy Value: Lemonade's Base plan offers accident and illness coverage with a $20,000 annual limit and 80% reimbursement on medicine, treatments, tests, and surgeries. It also offers coverage for vet exam fees.Lemonade does not cover certain dental issues, therapy for physical or behavioral conditions, or prescription food. It also doesn't cover pre-existing medical conditions. However, certain curable pre-existing conditions are no longer considered pre-existing if your pet is treatment- and symptom-free for 12 months.Trupanion pet insurance is responsible for Chewy's upper-tier Essential Plus and Complete policies. Once again, all policies have deductible options of $250, $500, and $1,000 and video consultations.Chewy Essential Plus: Trupanion offers accident and illness coverage with unlimited coverage and 90% reimbursement on surgeries, hospital stays, and tests. It offers 100% reimbursement on prescription medicine and coverage for dental illnesses. However, it lacks the vet exam fee coverage that Chewy's Value plan provides.Chewy Complete: Like the Essential Plus plan, Chewy's Complete plan offers accident and illness coverage with unlimited coverage and 90% reimbursement on surgeries, hospital stays, and tests. It offers 100% reimbursement on prescription medicine and coverage for dental illnesses, vet exam fees, and therapy for behavioral and physical issues.All Trupanion policies bought through Chewy offer 100% reimbursement for veterinary diet food for 120 days for Essential Plus and 180 for Complete. They also cover orthotic and prosthetic devices. On the other hand, Trupanion policies don't cover pre-existing conditions, regardless of whether they are curable or incurable. As the name suggests, wellness plans reimburse some of the costs associated with specific preventive procedures for your dog or cat, such as annual check-ups, vaccinations, blood tests, and pest prevention. Chewy offers two wellness plans through Trupanion: Wellness and Comprehensive. The policies offer $299 and $455 in annual benefits, respectively.Benefits for these plans are as follows:CarePlus vets can answer pet health questions via chat between 6 a.m. and midnight EST, seven days a week.Pet owners who purchase coverage for multiple pets can enjoy a 10% discount on CarePlus by Chewy premiums for either wellness or insurance plans.To get a better idea of how much Chewy pet insurance costs, we'll look at how much a pet owner living in New York City would pay in pet insurance premiums. We chose New York City for our quotes because it is one of the most expensive places to receive vet care, which insurance premiums will reflect. Your premiums will likely be lower than the prices below.Business Insider acquired the following dog insurance quotes for a Chewy Value plan with a $500 deductible, 80% reimbursement, and $20,000 annual limit:Let's go over premiums for a New York City cat covered under a Chewy Value plan with a $500 deductible, 80% coinsurance, and $20,000 annual limit:As you can see from the quotes above, pet medical coverage from Chewy can be affordable for younger pets. It's also worth noting that there is a sizeable gap between Chewy's Lemonade and Trupanion policies.Pet insurance premiums depend on a variety of factors, both out of and within your control. Most significantly, your premiums vary based on where you live, your pet's breed, and your pet's age. If you live in a city where pet care is expensive, your premiums will be higher. You can also customize your policy by choosing lighter coverage, choosing a lower reimbursement level, coverage limit, and a higher deductible. Or, you can simply choose a cheaper pet insurance company. To purchase a Chewy pet insurance policy, you'll need to obtain a quote on its website. Be prepared to provide your pet's name, species, breed, age, sex, and whether your pet is neutered/spayed. If you have a mixed breed pet, you'll also have to provide your pet's weight.You'll also provide several details about yourself, such as your birthday and your address, as your location is one of the most important factors when pet insurance companies calculate your premiums.It's also worth noting that to choose a Trupanion plan, your pet must have been seen by a vet within the last 12 months.Plans require you to wait a few days after enrollment before filing an eligible claim. Here's what you need to know about each type of plan and its associated waiting periods.Reason for vet visitAccident OnlyBase ValueEssential PlusCompleteAccident5 days2 days2 days5 days5 daysIllnessn/a14 days14 days14 days14 daysCruciate Knee Injury30 days6 months6 months14 days14 daysChewy's wellness policies do not have a waiting period. Therefore, you can begin filing claims for eligible preventive care as soon as you enroll in the plan. CarePlus by Chewy's insurance partnership with Trupanion Pet Insurance can be a boon for pet owners since some veterinarians can accept payment directly through Trupanion. If your vet has a Trupanion account, you'll pay your portion of the vet invoice when leaving the office, and Chewy CarePlus will handle the rest.If your vet doesn't have a Trupanion account, you can go to your member portal or mail a copy of your itemized invoice to Trupanion.Member portal: Submit a digital claim through the My Pet Health dashboardMailing address:Trupanion6000 4th Avenue SouthSuite 200Seattle, WA 98108.Coverage offered in partnership with Lemonade can be managed through the Lemonade app, which you'll be prompted to download after setting up your policy. To file a claim, choose \"File a Claim\" in the Lemonade app and upload your invoice. The company says about half of all claims are settled instantly.If you have questions, you can reach Chewy's insurance customer service team 24 hours a day, seven days a week:Phone: 1-800-672-4399 x44480 to reach the CarePlus insurance teamEmail: Contact Chewy's customer service team through this linkChat: Chewy's live chat team is very responsive and timely. You can either click on the \"24/7 help\" chat at the top right corner of the Chewy.com website or scroll to the bottom and click on the relevant icon.Chewy has an average of 3.5 stars on its Trustpilot page. However, these pertain to Chewy's retail customer experience, not its pet insurance. Because Lemonade and Trupanion process claims from Chewy policies, it's best to look at how those companies are rated.Lemonade, has overwhelmingly positive reviews on Trustpilot, receiving an average of 4.4 stars out of five. That said, it's important to note that reviews pertain to all of Lemonade's products, not just its pet insurance. Customers were happy with Lemonade's claims process, reporting fast claims processing and payouts. Lemonade was also quick to answer any questions that customers had. Lemonade's responsiveness to customer reviews is also encouraging. The insurance provider usually responds to reviews within a day or so, making it a reliable way to contact the company.Similarly, Trupanion has mostly positive reviews on Trustpilot, receiving an average of 4.1 stars. Trupanion is known for its quick claims processing. On the other hand, most negative reviews pertained to increasing premiums and issues with pre-existing conditions. While Trupanion says that it doesn't increase premiums based on pet ages or policy usage, customers reported steep increases year over year. Numbers aside, Trupanion makes an effort to respond to negative reviews on its Trustpilot and BBB pages. A Trupanion customer service representative usually responds to negative reviews within one to two days, sometimes even within a few hours. Below, see how Chewy compares to three other options for pet insurance coverage: Healthy Paws, Pumpkin, and Lemonade.Comparing Healthy Paws Pet Insurance and Chewy can be difficult, as Chewy's benefits are completely different depending on which partner policy you choose. Generally speaking, both Chewy and Healthy Paws aren't very flexible. All Healthy Paws policies have unlimited coverage, which is helpful for pets that need a lot of care, though it drives up premiums. Chewy benefits and coverage levels are tied together. So if you want a lower annual limit and reimbursement level, you'll also have to choose a plan with fewer benefits.With that said, Healthy Paws policies are more expensive than Lemonade policies through Chewy and cover more. However, it offer fewer benefits than Trupanion policies through Chewy, but costs far less.Healthy Paws does not offer a wellness plan option, while Chewy does. However, Chewy's wellness plans may be more trouble than simply paying out of pocket since the payout limits for each covered activity are relatively low. Ultimately, you save money if you use the full benefits. But a claim must be filed, resulting in inconvenience every time you utilize one of the covered services.Read our Healthy Paws pet insurance review.Pumpkin Pet Insurance and Chewy CarePlus offer multi-policy discounts for pet parents with multiple fur babies. Pumpkin offers a flat 90% reimbursement rate on all eligible claims, while Chewy CarePlus offers options with 70% or 90% reimbursement tiers. However, it also provides coverage for dental illnesses and behavioral issues. Pet owners can also get reimbursed for treatments like prescription medication and surgery. It also provides coverage for end-of-life services and prescription foods for covered conditions, which isn't common among pet insurance providers.Once again, Pumpkin policies are more expensive than Lemonade policies through Chewy and cover more. However, it offers roughly the same coverage as Trupanion policies through Chewy, but costs far less.Read our Pumpkin pet insurance review.Lemonade Pet Insurance is one of the cheapest pet insurance companies in the industry. Lemonade and Chewy launched a partnership in Spring 2023. Buying a Lemonade policy through Chewy gives you access to Chewy's video consultation feature, which isn't available in standalone Lemonade policies.However, when you buy a Lemonade policy directly, you have far more coverage options, such as various riders that offer benefits like dental issue coverage, wellness, physical therapy, and end-of-life coverage. Additionally, Lemonade offers a wide range of coverage levels, with annual benefits ranging from $5,000 to $100,000. Lemonade's wellness plan also offers more than Chewy's, with coverage for spaying/neutering and microchipping. Lemonade's wellness plan is also cheaper than Chewy's.Read our Lemonade pet insurance review.Lemonade's policies through Chewy cover curable pre-existing conditions after pets are symptom-free for 12 months. Its Trupanion policies do not cover pre-existing conditions at all.Chewy plans backed by Lemonade offer $20,000 annual limits while Trupanion policies offer unlimited coverage. Trupanion policies also include several benefits not included in Lemonade policies, such as dental treatments and coverage for physical and behavioral therapy. However, Chewy pet insurance backed by Trupanion is far more expensive than its Lemonade policies.Shopping around for pet insurance is always a good idea. Insurance companies vary in scope of coverage. Your pet may have extenuating circumstances that one provider will cover or another may not.To gather information for this Chewy review, Business Insider analyzed and compared similar pet insurance plans from dozens of providers offering this coverage in the United States. Factors we compared include annual and lifetime limits, per-incident limits, deductibles offered, and company perks. We also compared companies based on wellness plan offerings, when applicable.In addition to facts gathered from pet insurers, we searched for user reviews and complaints to get a feel for the company's claims process. We rely on independent sites not connected to individual pet insurers to get the most objective perspective.You can read more about Business Insider's pet insurance rating methodology.","articleSection":"Personal Finance, Insurance, Pet Insurance","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Does Chewy pet insurance cover pre-existing conditions?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Lemonade's policies through Chewy cover curable pre-existing conditions after pets are symptom-free for 12 months. 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headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Cost </a> </li> <li> <a href="#purchasing-chewy-and-filing-claims" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Purchasing Chewy and Filing Claims </a> </li> <li> <a href="#customer-service-and-claims-experience" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Customer Service and Claims Experience </a> </li> <li> <a href="#compare-chewy-pet-insurance" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Compare Chewy Pet Insurance </a> </li> <li> <a href="#faq" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > FAQ </a> </li> <li> <a href="#why-you-should-trust-us" class="sticky-toc-link toc-aside headline-semibold" data-track-click="{"product_field":"sticky","event":"navigation","element_name":"table_of_contents","click_path":"bi_value_unassigned"}" > Why You Should Trust Us </a> </li> </ul> </div> <div> <section class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/pet-insurance/methodology" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate pet insurance products</a> to write unbiased product reviews.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p><a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="63e2dfaa9bca6000112c6afb" data-analytics-product-brand="Chewy" data-analytics-product-name="CarePlus by Chewy" href="https://quote.petted.com/quote/ref=businessinsider?insurer=chewy">CarePlus by Chewy</a> is a newbie on the pet care market, with pet insurance and wellness plans offered through partner provider Trupanion and Lemonade Pet. American Pet Insurance Company underwrites CarePlus plans.</p><p>Business Insider compared Chewy to the <a href="https://www.businessinsider.com/personal-finance/pet-insurance/best-pet-insurance" data-analytics-product-module="body_link" rel="">best pet insurance companies</a> and found it to lag behind the rest of the industry, lacking the flexibility necessary to cover a wide range of pet needs.</p><h2 data-toc-label="Chewy Pet Insurance" id="chewy-pet-insurance" class="toc-anchor">Chewy Pet Insurance Summary</h2><p>Chewy is a well-known online retailer for pet supplies and food. It branched out into pet insurance in 2022 through partnerships with Trupanion and Lemonade, more established pet insurance providers.</p><p>Chewy offers four plans that increase in coverage, two cheaper plans provided by Lemonade, and two more expensive plans provided by Trupanion. These plans aren't much different than plans you'd find by going directly to its partners. The main benefit that Chewy adds is free video consultations and 100% prescription medicine reimbursement on some of its plans. </p><p>The trade-off for these benefits is a lack of policy flexibility, which is unfortunate as policy flexibility is one of Lemonade's best features. Reimbursement levels and coverage limits are pre-set and customers can choose a deductible of $250, $500, or $1,000. Additionally, Chewy doesn't offer many of the optional riders available with its partners.</p><p>Chewy's policies also wildly uneven across tiers. Lemonade and Trupanion are extremely different services, on opposite ends of the cost spectrum. Shopping for a Chewy policy feels less like you're looking at one pet insurance option, but choosing between two very different insurance companies.</p><p>Ultimately, we found very little reason to buy pet insurance through Chewy instead of simply buying a policy directly with its partners.</p><aside class="quick-tip headline-regular ignore-typography"><p><strong>Get Pet Insurance Quotes</strong></p><p>Find <a href="https://www.businessinsider.com/personal-finance/pet-insurance/best-cheap-pet-insurance-companies" data-analytics-product-module="body_link" rel="">affordable pet insurance</a> policies with <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="6656472f037e31adc384178d" data-analytics-product-brand="Petted" data-analytics-product-name="Petted" href="https://quote.petted.com/quote/ref=businessinsider">Petted</a>.</p><div id="businessinsider-quote-form"></div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" id="businessinsider-quote-script" data-consent="MARKETING" data-onload="initQuoteEngine()" data-src="https://quote.petted.com/Scripts/lib/widgets/businessinsider/quote-form/widget.min.js" data-async="true" data-defer="true"></div> <script defer=""> function initQuoteEngine() { QuoteEngine.setOptions({ targetId: "businessinsider-quote-form", redirectUrl: "https://quote.petted.com/quote", baseUrl: "https://quote.petted.com/", urlParam: { source: 'Business Insider Quote Widget', utm_source: '', utm_medium: '', utm_campaign: '', utm_content: '', utm_term: '', }, refCode: 'businessinsider', }); QuoteEngine.init(); }; </script></aside><h2 data-toc-label="Pros and Cons of Chewy Pet Insurance" id="pros-and-cons-of-chewy-pet-insurance" class="toc-anchor">Pros and Cons of Chewy Pet Insurance</h2><h3>Chewy Pet Insurance Pros</h3><ul><li>100% prescription medicine coverage on some policies</li><li>Free video consultations</li><li>Trupanion policies can cover 100% of veterinary diet food for 120 to  180 days.</li><li>Trupanion policies can pay vets upfront</li><li>Trupanion policies have 14-day ligament issue waiting period</li><li>5-10% multi-pet insurance, depending on which pet insurance you choose</li><li>Wellness plans can be purchased independent of insurance policies</li></ul><h3>Chewy Pet Insurance Cons</h3><ul><li>Chewy does not offer its own policies</li><li>Inflexible annual limits and coinsurance</li><li>High premiums on Trupanion policies</li><li>Wellness does not have coverage for spaying/neutering</li><li>Lemonade policies only available in 37 states</li><li>No curable pre-existing condition coverage for Trupanion policies</li></ul><h2 data-toc-label="Plans Available" id="plans-available" class="toc-anchor">Chewy Pet Insurance Plans and Coverage</h2><p>Chewy pet insurance offers one accident-only plan and three accident and illness plans: Value, Essential Plus, and Complete. These plans are offered through partnerships with Lemonade and Trupanion, not Chewy itself. </p><p>We'll go through Chewy's plans by focusing on policies offered by Lemonade and Trupanion separately, as policy details hinge on which partnership policy you choose.</p><h3>Lemonade Plans Through Chewy</h3><p><a href="https://www.businessinsider.com/personal-finance/pet-insurance/lemonade-pet-insurance-review" data-analytics-product-module="body_link" rel="">Lemonade pet insurance</a> is known for its policy's flexibility and its discount options. Lemonade is responsible for Chewy's accident-only plan and Base and Value accident and illness plans. Plan availability varies based on your location and your pet's age and breed.</p><p>Customers have deductible options of $250, $500, and $1,000 for all Chewy policies. Additionally, all Chewy policies include free video consultations</p><p><strong>Accident-only: </strong>Lemonade's accident-only plan through Chewy offers unlimited coverage with 100% reimbursements on accident-related prescription medicine and 80% reimbursements on accident-related surgeries, tests, and treatments.</p><p><strong>Chewy Base: </strong>Lemonade's Base plan offers accident and illness coverage with a $20,000 annual limit and 70% reimbursement on medicine, treatments, tests, and surgeries. </p><p><strong>Chewy Value:</strong> Lemonade's Base plan offers accident and illness coverage with a $20,000 annual limit and 80% reimbursement on medicine, treatments, tests, and surgeries. It also offers coverage for vet exam fees.</p><p>Lemonade does not cover certain dental issues, therapy for physical or behavioral conditions, or prescription food. It also doesn't cover pre-existing medical conditions. However, certain curable pre-existing conditions are no longer considered pre-existing if your pet is treatment- and symptom-free for 12 months.</p><h3>Trupanion Plans Through Chewy</h3><p><a href="https://www.businessinsider.com/personal-finance/pet-insurance/trupanion-pet-insurance-review" data-analytics-product-module="body_link" rel="">Trupanion pet insurance</a> is responsible for Chewy's upper-tier Essential Plus and Complete policies. Once again, all policies have deductible options of $250, $500, and $1,000 and video consultations.</p><p><strong>Chewy Essential Plus: </strong>Trupanion offers accident and illness coverage with unlimited coverage and 90% reimbursement on surgeries, hospital stays, and tests. It offers 100% reimbursement on prescription medicine and coverage for dental illnesses. However, it lacks the vet exam fee coverage that Chewy's Value plan provides.</p><p><strong>Chewy Complete: </strong>Like the Essential Plus plan, Chewy's Complete plan offers accident and illness coverage with unlimited coverage and 90% reimbursement on surgeries, hospital stays, and tests. It offers 100% reimbursement on prescription medicine and coverage for dental illnesses, vet exam fees, and therapy for behavioral and physical issues.</p><p>All Trupanion policies bought through Chewy offer 100% reimbursement for veterinary diet food for 120 days for Essential Plus and 180 for Complete. They also cover orthotic and prosthetic devices. </p><p>On the other hand, Trupanion policies don't cover pre-existing conditions, regardless of whether they are curable or incurable. </p><h3>Wellness (Preventive Care) Plan</h3><p>As the name suggests, wellness plans reimburse some of the costs associated with specific preventive procedures for your dog or cat, such as annual check-ups, vaccinations, blood tests, and pest prevention. Chewy offers two wellness plans through Trupanion: Wellness and Comprehensive. The policies offer $299 and $455 in annual benefits, respectively.</p><p>Benefits for these plans are as follows:</p><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%; height: 220px;" border="1" class="table-content"><tbody class="table-content-body"><tr style="height: 22px;"><td style="width: 33.3333%; height: 22px;" class="headline-regular headline-semibold"> </td><td style="width: 33.3333%; height: 22px;" class="headline-regular headline-semibold">Wellness</td><td style="width: 33.3333%; height: 22px;" class="headline-regular headline-semibold">Comprehensive</td></tr><tr style="height: 22px;"><td style="width: 33.3333%; height: 22px;" class="headline-regular headline-semibold">Price</td><td style="width: 33.3333%; height: 22px;" class="headline-regular">$20 monthly</td><td style="width: 33.3333%; height: 22px;" class="headline-regular">$33 monthly</td></tr><tr style="height: 22px;"><td style="width: 33.3333%; height: 22px;" class="headline-regular headline-semibold">Annual check-up</td><td style="width: 33.3333%; height: 22px;" class="headline-regular">Up to $75</td><td style="width: 33.3333%; height: 22px;" class="headline-regular">Up to $90</td></tr><tr style="height: 22px;"><td style="width: 33.3333%; height: 22px;" class="headline-regular headline-semibold">Fecal test</td><td style="width: 33.3333%; height: 22px;" class="headline-regular">Up to $40</td><td style="width: 33.3333%; height: 22px;" class="headline-regular">Up to $40</td></tr><tr style="height: 22px;"><td style="width: 33.3333%; height: 22px;" class="headline-regular headline-semibold">Vaccines</td><td style="width: 33.3333%; height: 22px;" class="headline-regular">Up to $80</td><td style="width: 33.3333%; height: 22px;" class="headline-regular">Up to $80</td></tr><tr style="height: 22px;"><td style="width: 33.3333%; height: 22px;" class="headline-regular headline-semibold">Blood test</td><td style="width: 33.3333%; height: 22px;" class="headline-regular">Up to $50</td><td style="width: 33.3333%; height: 22px;" class="headline-regular">Up to $75</td></tr><tr style="height: 22px;"><td style="width: 33.3333%; height: 22px;" class="headline-regular headline-semibold">Heartworm tests</td><td style="width: 33.3333%; height: 22px;" class="headline-regular">Up to $45</td><td style="width: 33.3333%; height: 22px;" class="headline-regular">Up to $45</td></tr><tr style="height: 22px;"><td style="width: 33.3333%; height: 22px;" class="headline-regular headline-semibold">Flea, tick, or heartworm meds</td><td style="width: 33.3333%; height: 22px;" class="headline-regular">N/A</td><td style="width: 33.3333%; height: 22px;" class="headline-regular">Up to $145</td></tr><tr style="height: 22px;"><td style="width: 33.3333%; height: 22px;" class="headline-regular headline-semibold">Video consultations</td><td style="width: 33.3333%; height: 22px;" class="headline-regular">N/A</td><td style="width: 33.3333%; height: 22px;" class="headline-regular">Included</td></tr></tbody></table></div><p>CarePlus vets can answer pet health questions via chat between 6 a.m. and midnight EST, seven days a week.</p> <div id="careplus-by-chewy" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">CarePlus by Chewy</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://quote.petted.com/quote/ref=businessinsider?insurer=chewy" rel="nofollow noindex" data-analytics-product-id="63e2dfaa9bca6000112c6afb" data-analytics-product-brand="Chewy" data-analytics-product-name="CarePlus by Chewy" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold"> Get quotes </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">compare policies and rates with Petted</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://quote.petted.com/quote/ref=businessinsider?insurer=chewy" rel="nofollow noindex" data-analytics-product-id="63e2dfaa9bca6000112c6afb" data-analytics-product-brand="Chewy" data-analytics-product-name="CarePlus by Chewy" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="image"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f7dd4688f76900192d1219?width=400" alt="Chewy CarePlus by Chewy"> <noscript> <img src="https://i.insider.com/63f7dd4688f76900192d1219?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="63e2dfaa9bca6000112c6afb-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.622154260529626"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.622154260529626)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.09708327218051416"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.09708327218051416)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.639431731859964"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.639431731859964)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.04579266199098475"> <stop stop-color="#faa809" offset="78%"></stop> <stop stop-color="white" offset="78%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.04579266199098475)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.423537226576447"> <stop stop-color="#faa809" offset="-22%"></stop> <stop stop-color="white" offset="-22%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.423537226576447)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">3.78<span>/5</span></span> </div> </div> <div class="financial-product-card__specs"> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 5" data-analytics-product-id="63e2dfaa9bca6000112c6afb" data-analytics-product-brand="Chewy" data-analytics-product-name="CarePlus by Chewy" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Provides lifetime care with unlimited spending </span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Low price with low deductibles</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>100% coverage for prescriptions if order is shipped via Chewy.com</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Average premiums for wellness and accident and illness plans are affordable</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Plans are not available in all states</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Claims may take longer </span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Chewy pet insurance is one of the newer companies with limited history</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="63e2dfaa9bca6000112c6afb" data-analytics-product-brand="Chewy" data-analytics-product-name="CarePlus by Chewy" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div><h2 data-toc-label="Cost" id="cost" class="toc-anchor">How Much Does Chewy Pet Insurance Cost?</h2><p>Pet owners who purchase coverage for multiple pets can enjoy a 10% discount on <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="63e2dfaa9bca6000112c6afb" data-analytics-product-brand="Chewy" data-analytics-product-name="CarePlus by Chewy" href="https://quote.petted.com/quote/ref=businessinsider?insurer=chewy">CarePlus by Chewy</a> premiums for either wellness or insurance plans.</p><p>To get a better idea of how much Chewy pet insurance costs, we'll look at how much a pet owner living in New York City would pay in pet insurance premiums. We chose New York City for our quotes because it is one of the most expensive places to receive vet care, which insurance premiums will reflect. Your premiums will likely be lower than the prices below.</p><p>Business Insider acquired the following dog insurance quotes for a Chewy Value plan with a $500 deductible, 80% reimbursement, and $20,000 annual limit:</p><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%; height: 154px;" border="1" class="table-content"><tbody class="table-content-body"><tr style="height: 22px;"><td class="headline-regular headline-bold headline-semibold" style="height: 22px; width: 33.3333%;">Breed</td><td class="headline-regular headline-bold headline-semibold" style="height: 22px; width: 33.3333%;">2-year-old (monthly)</td><td class="headline-regular headline-bold headline-semibold" style="height: 22px; width: 33.3333%;">6-year-old (monthly)</td></tr><tr style="height: 22px;"><td class="headline-regular headline-bold headline-semibold" style="height: 22px; width: 33.3333%;">French Bulldog </td><td class="headline-regular" style="height: 22px; width: 33.3333%;">$70.42</td><td class="headline-regular" style="height: 22px; width: 33.3333%;">$113.47</td></tr><tr style="height: 22px;"><td class="headline-regular headline-bold headline-semibold" style="height: 22px; width: 33.3333%;">Labrador Retriever</td><td class="headline-regular" style="height: 22px; width: 33.3333%;">$46.03</td><td class="headline-regular" style="height: 22px; width: 33.3333%;">$73.96</td></tr><tr style="height: 22px;"><td class="headline-regular headline-bold headline-semibold" style="height: 22px; width: 33.3333%;">Golden Retriever</td><td class="headline-regular" style="height: 22px; width: 33.3333%;">$43.07</td><td class="headline-regular" style="height: 22px; width: 33.3333%;">$69.16</td></tr><tr style="height: 22px;"><td class="headline-regular headline-bold headline-semibold" style="height: 22px; width: 33.3333%;">German Shepherd</td><td class="headline-regular" style="height: 22px; width: 33.3333%;">$46.54</td><td class="headline-regular" style="height: 22px; width: 33.3333%;">$74.78</td></tr><tr style="height: 22px;"><td class="headline-regular headline-bold headline-semibold" style="height: 22px; width: 33.3333%;">Poodle</td><td class="headline-regular" style="height: 22px; width: 33.3333%;">$35.05</td><td class="headline-regular" style="height: 22px; width: 33.3333%;">$56.58</td></tr><tr style="height: 22px;"><td class="headline-regular headline-bold headline-semibold" style="height: 22px; width: 33.3333%;">Mixed Breed (45 lbs.)</td><td class="headline-regular" style="height: 22px; width: 33.3333%;">$29.12</td><td class="headline-regular" style="height: 22px; width: 33.3333%;">$46.56</td></tr></tbody></table></div><p>Let's go over premiums for a New York City cat covered under a Chewy Value plan with a $500 deductible, 80% coinsurance, and $20,000 annual limit:</p><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%; height: 154px;" border="1" class="table-content"><tbody class="table-content-body"><tr style="height: 22px;"><td class="headline-regular headline-bold headline-semibold" style="width: 27.6433%; height: 22px;">Breed</td><td class="headline-regular headline-bold headline-semibold" style="width: 36.1783%; height: 22px;">2-year-old (monthly)</td><td class="headline-regular headline-bold headline-semibold" style="width: 36.1783%; height: 22px;">6-year-old (monthly)</td></tr><tr style="height: 22px;"><td class="headline-regular headline-bold headline-semibold" style="width: 27.6433%; height: 22px;">Ragdoll</td><td class="headline-regular" style="width: 36.1783%; height: 22px;">$19.73</td><td class="headline-regular" style="width: 36.1783%; height: 22px;">$31.34</td></tr><tr style="height: 22px;"><td class="headline-regular headline-bold headline-semibold" style="width: 27.6433%; height: 22px;">Maine Coon</td><td class="headline-regular" style="width: 36.1783%; height: 22px;">$21.58</td><td class="headline-regular" style="width: 36.1783%; height: 22px;">$31.87</td></tr><tr style="height: 22px;"><td class="headline-regular headline-bold headline-semibold" style="width: 27.6433%; height: 22px;">Devon Rex</td><td class="headline-regular" style="width: 36.1783%; height: 22px;">$21.91</td><td class="headline-regular" style="width: 36.1783%; height: 22px;">$34.89</td></tr><tr style="height: 22px;"><td class="headline-regular headline-bold headline-semibold" style="width: 27.6433%; height: 22px;">Exotic</td><td class="headline-regular" style="width: 36.1783%; height: 22px;">$20.33</td><td class="headline-regular" style="width: 36.1783%; height: 22px;">$30</td></tr><tr style="height: 22px;"><td class="headline-regular headline-bold headline-semibold" style="width: 27.6433%; height: 22px;">Persian</td><td class="headline-regular" style="width: 36.1783%; height: 22px;">$21.27</td><td class="headline-regular" style="width: 36.1783%; height: 22px;">$24.93</td></tr><tr style="height: 22px;"><td class="headline-regular headline-bold headline-semibold" style="width: 27.6433%; height: 22px;">Mixed Breed</td><td class="headline-regular" style="width: 36.1783%; height: 22px;">$19.12</td><td class="headline-regular" style="width: 36.1783%; height: 22px;">$26.37</td></tr></tbody></table></div><p>As you can see from the quotes above, pet medical coverage from Chewy can be affordable for younger pets. It's also worth noting that there is a sizeable gap between Chewy's Lemonade and Trupanion policies.</p><h3>Factors Affecting Chewy Premiums</h3><p>Pet insurance premiums depend on a variety of factors, both out of and within your control. Most significantly, your premiums vary based on where you live, your pet's breed, and your pet's age. If you live in a city where pet care is expensive, your premiums will be higher. </p><p>You can also customize your policy by choosing lighter coverage, choosing a lower reimbursement level, coverage limit, and a higher deductible. Or, you can simply choose a <a href="https://www.businessinsider.com/personal-finance/pet-insurance/best-cheap-pet-insurance-companies" data-analytics-product-module="body_link" rel="">cheaper pet insurance company</a>. </p><h2 data-toc-label="Purchasing Chewy and Filing Claims" id="purchasing-chewy-and-filing-claims" class="toc-anchor">How to Purchase and Manage a Chewy Pet Insurance Policy</h2><p>To purchase a Chewy pet insurance policy, you'll need to obtain a quote on its website. Be prepared to provide your pet's name, species, breed, age, sex, and whether your <a href="https://www.businessinsider.com/personal-finance/pet-insurance/does-pet-insurance-cover-spaying-neutering" data-analytics-product-module="body_link" rel="">pet is neutered/spayed</a>. If you have a mixed breed pet, you'll also have to provide your pet's weight.</p><p>You'll also provide several details about yourself, such as your birthday and your address, as your location is one of the most important factors when pet insurance companies calculate your premiums.</p><p>It's also worth noting that to choose a Trupanion plan, your pet must have been seen by a vet within the last 12 months.</p><p>Plans require you to wait a few days after enrollment before filing an eligible claim. Here's what you need to know about each type of plan and its associated waiting periods.</p><div class="horizontal-scroll"><table style="border-collapse: collapse; width: 100%; height: 208px;" border="1" class="table-content"><tbody class="table-content-body"><tr style="height: 52px;"><td style="width: 30.7292%; height: 52px;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">Reason for vet visit</strong></p></td><td style="width: 13.2164%; height: 52px;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">Accident Only</strong></p></td><td style="width: 12.9616%;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">Base </strong></p></td><td style="width: 14.8185%; height: 52px;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">Value</strong></p></td><td style="width: 13.9515%; height: 52px;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">Essential Plus</strong></p></td><td style="width: 14.3229%; height: 52px;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular headline-semibold">Complete</strong></p></td></tr><tr style="height: 52px;"><td style="width: 30.7292%; height: 52px;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular">Accident</strong></p></td><td style="width: 13.2164%; height: 52px;" class="headline-regular"><p class="headline-regular">5 days</p></td><td style="width: 12.9616%;" class="headline-regular"><p class="headline-regular">2 days</p></td><td style="width: 14.8185%; height: 52px;" class="headline-regular"><p class="headline-regular">2 days</p></td><td style="width: 13.9515%; height: 52px;" class="headline-regular"><p class="headline-regular">5 days</p></td><td style="width: 14.3229%; height: 52px;" class="headline-regular"><p class="headline-regular">5 days</p></td></tr><tr style="height: 52px;"><td style="width: 30.7292%; height: 52px;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular">Illness</strong></p></td><td style="width: 13.2164%; height: 52px;" class="headline-regular"><p class="headline-regular">n/a</p></td><td style="width: 12.9616%;" class="headline-regular"><p class="headline-regular">14 days</p></td><td style="width: 14.8185%; height: 52px;" class="headline-regular"><p class="headline-regular">14 days</p></td><td style="width: 13.9515%; height: 52px;" class="headline-regular"><p class="headline-regular">14 days</p></td><td style="width: 14.3229%; height: 52px;" class="headline-regular"><p class="headline-regular">14 days</p></td></tr><tr style="height: 52px;"><td style="width: 30.7292%; height: 52px;" class="headline-regular headline-semibold"><p class="headline-regular"><strong class="headline-regular">Cruciate Knee Injury</strong></p></td><td style="width: 13.2164%; height: 52px;" class="headline-regular"><p class="headline-regular">30 days</p></td><td style="width: 12.9616%;" class="headline-regular"><p class="headline-regular">6 months</p></td><td style="width: 14.8185%; height: 52px;" class="headline-regular"><p class="headline-regular">6 months</p></td><td style="width: 13.9515%; height: 52px;" class="headline-regular"><p class="headline-regular">14 days</p></td><td style="width: 14.3229%; height: 52px;" class="headline-regular"><p class="headline-regular">14 days</p></td></tr></tbody></table></div><p>Chewy's wellness policies do not have a waiting period. Therefore, you can begin filing claims for eligible preventive care as soon as you enroll in the plan.</p><p> </p><h3>Chewy Pet Insurance Claims Process</h3><p><a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="63e2dfaa9bca6000112c6afb" data-analytics-product-brand="Chewy" data-analytics-product-name="CarePlus by Chewy" href="https://quote.petted.com/quote/ref=businessinsider?insurer=chewy">CarePlus by Chewy</a>'s insurance partnership with <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="637d78bbd6a5350011cfbf60" data-analytics-product-brand="American Pet Insurance Company" data-analytics-product-name="Trupanion Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=trupanion">Trupanion Pet Insurance</a> can be a boon for pet owners since some veterinarians can accept payment directly through Trupanion. If your vet has a Trupanion account, you'll pay your portion of the vet invoice when leaving the office, and <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="63e2dfaa9bca6000112c6afb" data-analytics-product-brand="Chewy" data-analytics-product-name="CarePlus by Chewy" href="https://quote.petted.com/quote/ref=businessinsider?insurer=chewy">Chewy CarePlus</a> will handle the rest.</p><p>If your vet doesn't have a Trupanion account, you can go to your member portal or mail a copy of your itemized invoice to Trupanion.</p><p><strong>Member portal:</strong> Submit a digital claim through the <a href="http://chewyinsurance.trupanion.com/" target="_blank" rel="noopener nofollow sponsored" data-analytics-product-module="body_link">My Pet Health dashboard</a></p><p><strong>Mailing address:</strong></p><p>Trupanion<br>6000 4th Avenue South<br>Suite 200<br>Seattle, WA 98108.</p><p>Coverage offered in partnership with Lemonade can be managed through the Lemonade app, which you'll be prompted to download after setting up your policy. To file a claim, choose "File a Claim" in the Lemonade app and upload your invoice. The company says about half of all claims are settled instantly.</p><p>If you have questions, you can reach Chewy's insurance customer service team 24 hours a day, seven days a week:</p><p><strong>Phone:</strong> 1-800-672-4399 x44480 to reach the CarePlus insurance team</p><p><strong>Email:</strong> Contact Chewy's customer service team through this <a href="https://service.chewy.com/messageus?_gl=1*1e4555*_ga*NTYwNDUwMTQwLjE2NzQ3MjA4MjQ.*_gid*Mzg5MzA1MTU4LjE2NzQ3MjA4MjQ.*_gac*Q2p3S0NBaUE1c2llQmhCbkVpd0FSOW9oMnFEYVBzUkp1OXpCckVQMWhfUDRyWkZZSWxEeE1fdTdDQ1RHY190X1Y5NmhQdm1tVEVfc3hCb0NkNWtRQXZEX0J3RS4xNjc0NzUwNTQx*_fplc*WGxvYk5XNWhCRUwlMkJOYVV3VFJ4dmRYYmc0RXdJUW04dEZlMjRrQnNhVmFIOGcxVTF1QVZEMSUyRnVRUGNjUmJQN3MzdENLUTh1OWMxWW9WeDFPMDd3SVAyRk5USlVQSnJoeGJoT0EwQ2hlaSUyRllndFowUnklMkZSbEpWVzQ4OTBCOGclM0QlM0Q.&_ga=2.107732096.389305158.1674720824-560450140.1674720824&_gac=1.262759166.1674750541.CjwKCAiA5sieBhBnEiwAR9oh2qDaPsRJu9zBrEP1h_P4rZFYIlDxM_u7CCTGc_t_V96hPvmmTE_sxBoCd5kQAvD_BwE" target="_blank" rel="noopener nofollow sponsored" data-analytics-product-module="body_link">link</a></p><p><strong>Chat: </strong>Chewy's live chat team is very responsive and timely. You can either click on the "24/7 help" chat at the top right corner of the Chewy.com website or scroll to the bottom and click on the relevant icon.</p><h2 data-toc-label="Customer Service and Claims Experience" id="customer-service-and-claims-experience" class="toc-anchor">Chewy Pet Insurance Customer Service and Claims Experience</h2><p>Chewy has an average of 3.5 stars on its Trustpilot page. However, these pertain to Chewy's retail customer experience, not its pet insurance. </p><p>Because Lemonade and Trupanion process claims from Chewy policies, it's best to look at how those companies are rated.</p><p>Lemonade, has overwhelmingly positive reviews on Trustpilot, receiving an average of 4.4 stars out of five. That said, it's important to note that reviews pertain to all of Lemonade's products, not just its pet insurance. Customers were happy with Lemonade's claims process, reporting fast claims processing and payouts. Lemonade was also quick to answer any questions that customers had. </p><p>Lemonade's responsiveness to customer reviews is also encouraging. The insurance provider usually responds to reviews within a day or so, making it a reliable way to contact the company.</p><p>Similarly, Trupanion has mostly positive reviews on Trustpilot, receiving an average of 4.1 stars. Trupanion is known for its quick claims processing. On the other hand, most negative reviews pertained to increasing premiums and issues with pre-existing conditions. While Trupanion says that it doesn't increase premiums based on pet ages or policy usage, customers reported steep increases year over year. </p><p>Numbers aside, Trupanion makes an effort to respond to negative reviews on its Trustpilot and BBB pages. A Trupanion customer service representative usually responds to negative reviews within one to two days, sometimes even within a few hours. </p><h2 data-toc-label="Compare Chewy Pet Insurance" id="compare-chewy-pet-insurance" class="toc-anchor">Compare Chewy Pet Insurance</h2><p>Below, see how Chewy compares to three other options for pet insurance coverage: Healthy Paws, Pumpkin, and Lemonade.</p><h3>Chewy vs. Healthy Paws Pet Insurance</h3><p>Comparing <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="637d773f7304450011d89446" data-analytics-product-brand="Healthy Paws Pet Insurance provided by ACE American Insurance Company" data-analytics-product-name="Healthy Paws Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=healthypaws">Healthy Paws Pet Insurance</a> and Chewy can be difficult, as Chewy's benefits are completely different depending on which partner policy you choose. </p><p>Generally speaking, both Chewy and Healthy Paws aren't very flexible. All Healthy Paws policies have unlimited coverage, which is helpful for pets that need a lot of care, though it drives up premiums. Chewy benefits and coverage levels are tied together. So if you want a lower annual limit and reimbursement level, you'll also have to choose a plan with fewer benefits.</p><p>With that said, Healthy Paws policies are more expensive than Lemonade policies through Chewy and cover more. However, it offer fewer benefits than Trupanion policies through Chewy, but costs far less.</p><p>Healthy Paws does not offer a wellness plan option, while Chewy does. However, Chewy's wellness plans may be more trouble than simply paying out of pocket since the payout limits for each covered activity are relatively low. Ultimately, you save money if you use the full benefits. But a claim must be filed, resulting in inconvenience every time you utilize one of the covered services.</p><p>Read our <a href="https://www.businessinsider.com/personal-finance/pet-insurance/healthy-paws-pet-insurance-reviews" data-analytics-product-module="body_link" rel="">Healthy Paws pet insurance review</a>.</p><h3>Chewy vs. Pumpkin Pet Insurance</h3><p><a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="637e8e71d6a5350011cfc5ab" data-analytics-product-brand="Pumpkin" data-analytics-product-name="Pumpkin Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=pumpkin">Pumpkin Pet Insurance</a> and <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="63e2dfaa9bca6000112c6afb" data-analytics-product-brand="Chewy" data-analytics-product-name="CarePlus by Chewy" href="https://quote.petted.com/quote/ref=businessinsider?insurer=chewy">Chewy CarePlus</a> offer multi-policy discounts for pet parents with multiple fur babies. Pumpkin offers a flat 90% reimbursement rate on all eligible claims, while <a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="63e2dfaa9bca6000112c6afb" data-analytics-product-brand="Chewy" data-analytics-product-name="CarePlus by Chewy" href="https://quote.petted.com/quote/ref=businessinsider?insurer=chewy">Chewy CarePlus</a> offers options with 70% or 90% reimbursement tiers. </p><p>However, it also provides coverage for dental illnesses and behavioral issues. Pet owners can also get reimbursed for treatments like prescription medication and surgery. It also provides coverage for end-of-life services and prescription foods for covered conditions, which isn't common among pet insurance providers.</p><p>Once again, Pumpkin policies are more expensive than Lemonade policies through Chewy and cover more. However, it offers roughly the same coverage as Trupanion policies through Chewy, but costs far less.</p><p>Read our <a href="https://www.businessinsider.com/personal-finance/pet-insurance/pumpkin-pet-insurance-review" data-analytics-product-module="body_link" rel="">Pumpkin pet insurance review</a>.</p><h3>Chewy vs. Lemonade Pet Insurance</h3><p><a target="_blank" rel="nofollow noopener" data-analytics-product-module="body_link" data-analytics-product-id="61fae730ce36660013ccb153" data-analytics-product-brand="Lemonade Insurance Company" data-analytics-product-name="Lemonade Pet Insurance" href="https://quote.petted.com/quote/ref=businessinsider?insurer=lemonade">Lemonade Pet Insurance</a> is one of the <a href="https://www.businessinsider.com/personal-finance/pet-insurance/best-cheap-pet-insurance-companies" data-analytics-product-module="body_link" rel="">cheapest pet insurance companies</a> in the industry. Lemonade and Chewy launched a partnership in Spring 2023. Buying a Lemonade policy through Chewy gives you access to Chewy's video consultation feature, which isn't available in standalone Lemonade policies.</p><p>However, when you buy a Lemonade policy directly, you have far more coverage options, such as various riders that offer benefits like dental issue coverage, wellness, physical therapy, and end-of-life coverage. Additionally, Lemonade offers a wide range of coverage levels, with annual benefits ranging from $5,000 to $100,000. </p><p>Lemonade's wellness plan also offers more than Chewy's, with coverage for spaying/neutering and microchipping. Lemonade's wellness plan is also cheaper than Chewy's.</p><p>Read our <a href="https://www.businessinsider.com/personal-finance/pet-insurance/lemonade-pet-insurance-review" data-analytics-product-module="body_link" rel="">Lemonade pet insurance review</a>.</p><h2 data-toc-label="FAQ" id="faq" class="toc-anchor">Chewy Pet Insurance FAQ</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Does Chewy pet insurance cover pre-existing conditions? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Lemonade's policies through Chewy cover curable pre-existing conditions after pets are symptom-free for 12 months. Its Trupanion policies do not cover pre-existing conditions at all.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What is the difference between Chewy pet insurance plans backed by Trupanion and Lemonade? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Chewy plans backed by Lemonade offer $20,000 annual limits while Trupanion policies offer unlimited coverage. Trupanion policies also include several benefits not included in Lemonade policies, such as dental treatments and coverage for physical and behavioral therapy. However, Chewy pet insurance backed by Trupanion is far more expensive than its Lemonade policies.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Should I compare Chewy to other pet insurance companies before buying? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Shopping around for pet insurance is always a good idea. Insurance companies vary in scope of coverage. Your pet may have extenuating circumstances that one provider will cover or another may not.</p> </div> </div> </div><h2 data-toc-label="Why You Should Trust Us" id="why-you-should-trust-us" class="toc-anchor">Why You Should Trust Us: How We Reviewed Chewy Pet Insurance</h2><p>To gather information for this Chewy review, Business Insider analyzed and compared similar pet insurance plans from dozens of providers offering this coverage in the United States. Factors we compared include annual and lifetime limits, per-incident limits, deductibles offered, and company perks. We also compared companies based on wellness plan offerings, when applicable.</p><p>In addition to facts gathered from pet insurers, we searched for user reviews and complaints to get a feel for the company's claims process. We rely on independent sites not connected to individual pet insurers to get the most objective perspective.</p><p>You can read more about Business Insider's <a href="https://www.businessinsider.com/personal-finance/pet-insurance/methodology" data-analytics-product-module="body_link" rel="">pet insurance rating methodology</a>. </p><div id="businessinsider-quote-form"></div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" id="businessinsider-quote-script" data-consent="MARKETING" data-onload="initQuoteEngine()" data-src="https://quote.petted.com/Scripts/lib/widgets/businessinsider/quote-form/widget.min.js" data-async="true" data-defer="true"></div> <script defer=""> function initQuoteEngine() { QuoteEngine.setOptions({ targetId: "businessinsider-quote-form", redirectUrl: "https://quote.petted.com/quote", baseUrl: "https://quote.petted.com/", urlParam: { source: 'Business Insider Quote Widget', utm_source: '', utm_medium: '', utm_campaign: '', utm_content: '', utm_term: '', }, refCode: 'businessinsider', }); QuoteEngine.init(); }; </script><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/katherine-fan" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="katherine-fan"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/62eaeb8326082a001825aa6c?crop=1:1&width=256&format=jpeg&auto=webp" alt="Photo of the author Katherine Fan"> <noscript> <img src="https://i.insider.com/62eaeb8326082a001825aa6c?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/katherine-fan" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Katherine Fan</div> </a> <div class="post-author_title headline-regular">Correspondent, Credit Cards</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Katherine Fan is a personal finance expert, journalist, and public speaker with almost 10 years of industry experience. She began her career in tech before transitioning to journalism in 2015. Katherine currently serves as Personal Finance Insider's correspondent for credit card coverage. Before joining Business Insider as Senior Editor of Credit Cards, Katherine covered aviation, award travel, loyalty programs, and credit cards as a senior reporter for The Points Guy, and small business finances as a lead writer for Nerdwallet. </span><span>Katherine has also freelanced for CNN Underscored, Forbes Advisor, Wall Street Journal Buy Side, Bankrate, CreditCards.com, the Dallas Morning News, LendingTree, Upgraded Points, Fortune Recommends, Newsweek, and Slickdeals Money. Her work has been syndicated by Nasdaq, MSN and Yahoo. </span><span><span class="headline-semibold">Experience</span></span><span>Katherine has published more than 1,800 articles, guides, and reviews covering credit card benefits and rewards, small business finances, points and miles travel, loyalty programs, and real estate investing. </span><span>Katherine has been a speaker at TravelCon, and has been featured on multiple podcasts including NPR Life Kit, Expedia's Out Travel the System, and The Points Guy's Miles Away. In her spare time, Katherine moonlights as a photojournalist covering Formula 1, Austin City Limits, and SXSW for the Austin American-Statesman and other media outlets. When she's not jetsetting around the world, you'll likely find her in Austin cooking up a batch of spicy Chinese food.<span class="headline-semibold">Expertise</span></span><span>Katherine's expertise encompasses:</span><ul><li><span>Small business finances</span></li><li><span>Credit cards</span></li><li><span>Points and miles travel</span></li><li><span>Travel insurance</span></li><li><span>Real estate investing</span></li></ul><span>Katherine's interest in personal finance runs parallel to her passions for real estate investing and award travel. Despite a salary of just $28,000 a year from her first full-time job, Katherine built an excellent credit score of 805 from scratch through hard work [and privilege], which allowed her to purchase her first home six years after graduating college. She's since added five more doors to her real estate portfolio, although she plans to retire on her index fund investments.Thanks to credit card travel rewards, Katherine has flown well over one million miles visiting 44 countries across all seven continents. She's sailed with orcas in Antarctica, flown home in first class from Japan, photographed a wedding at Hobbiton in New Zealand, and gone on safari in South Africa. But her most meaningful trips always bring her home to loved ones in Taiwan. <span class="headline-semibold">Education</span></span><span>Katherine holds dual degrees in photojournalism and Asian American studies from the University of Texas at Austin, and a certificate in business Chinese proficiency from National Taiwan University. She began her professional career in tech as a software sales executive for seven years before returning to her media roots. </span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="evelyn-he"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" alt="Evelyn He smiles at the camera, standing indoors against a white wall with fairy lights in the background."> <noscript> <img src="https://i.insider.com/63f8fce386669d0018247e85?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/evelyn-he" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Evelyn He</div> </a> <div class="post-author_title headline-regular">Compliance and Operations Associate</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Evelyn He is a Compliance and Operations Associate on the Personal Finance team to ensure content accuracy and editorial independence so readers get up-to-date and objective financial advice.</span><span>The compliance team's mission is to provide readers with fact-checked and current stories so they can make informed financial decisions. The team also works to minimize risk for partners by ensuring language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team.</span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 5.00% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 5.00% APY when you deposit at least $250 per month, earn 4.00% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - 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