Compare the ASPCA® Pet Health Insurance program vs. CarePlus by Chewy
With CarePlus by Chewy, some plans require your pet to have had a medical exam within the 12 months prior to enrollment. Otherwise, you won’t be eligible for reimbursement. The ASPCA® Pet Health Insurance program does not have these kinds of requirements for coverage eligibility.
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| Reimbursement | Choice of 90%, 80% or 70% of covered vet costs |
Choice of 50%-100% of covered vet costs* |
| Unlimited Plan Available | Yes | Yes |
| Type of Deductible | Annual | Annual |
| Illness Waiting Period | 14 Days | 14 Days |
| Accident Waiting Period | 14 Days | 5 Days |
| Preventive Care | Optional add-on, coverage has no waiting period | Available as Optional Add-On |
| Coverage For Covered Conditions Includes: | ||
| Exam Fees | Yes | Yes but only sick visit exam fees under Value and Complete plans |
| Lab Tests, X-rays, Hospitalization, Surgery, Diagnostics, etc. | Yes | Yes |
| Prescription Medications | Yes | Yes |
| Hereditary and Congenital Conditions | Yes | Yes |
| Alternative Therapies | Yes | Yes, only for Complete Accident and Illness plans |
| Behavioral Issues | Yes | Yes, only for Complete Accident and Illness plans |
| Dental Illnesses | Yes | Yes, assuming not pre-conditioned |
| Chronic Conditions | Yes | Yes |
| Specialists | Yes | Yes |
| Stem Cell Treatments | Yes | Yes, assuming not pre-conditioned |
| Prescription Food & Supplements To treat a covered condition (not for general maintenance or weight management) |
Yes | Yes |
| Microchip | Yes | No |
| No Vaccination Requirement for Coverage of Certain Conditions | Yes | No, as long as treatment recommendations are followed |
| Multiple Pet Discount | 10% for each additional pet | Yes |
| Upper Age Limits for Illness Coverage Enrollment This is the age at which illness coverage is no longer available for new enrollments. Typically, a pet’s plan won’t be cancelled because of age. |
None | None |
| All Pets Eligible, Regardless of Health | Yes | Yes |
| Accident-Only Plan Available for All Pets | Yes | Yes |
| Money Back Guarantee | 30 Days** | Yes, within 30 days of enrollment |
| Experience | The agency that provides ASPCA Pet Health Insurance was founded in 1997. | Trupanion started selling plans in the US in 2008. Chewy started selling plans in July 2022. |
| Better Business Bureau Rating | A+ | A+ |
CarePlus by Chewy Plan Comparison
CarePlus by Chewy and the ASPCA® Pet Health Insurance plans have several key differences, particularly when it comes to exam requirements and preventative coverage options.
Exam Coverage
ASPCA® Pet Health Insurance plans include exam fees for covered conditions and do not have any additional requirements regarding exams prior to enrolling your pet. Chewy’s Value plan, powered by Lemonade, offers coverage for sick visit exam fees. Chewy also offers a Complete plan, powered by Trupanion, that offers coverage for sick visit exam fees. Chewy’s Essential Plus plan and Accident Only plan, both powered by Trupanion, do not cover exam fees.
Chewy pet insurance plans also have additional exam requirements for enrollment. For Chewy plans powered by Trupanion it’s required that your pet has had a veterinary exam within the 12 months prior to your enrollment date, unless they are enrolled before their first birthday. For Chewy plans powered by Lemonade you must provide medical records from within the 12 months prior, or up to 14 days after your pet’s policy start date.
Microchip Implantation
The ASPCA® Pet Health Insurance program coverage will reimburse you for the costs of implanting a microchip in your pet. This procedure is not painful for your pet, and it can help make sure your pet is returned home quickly and safely. Chewy does not offer coverage for a microchip implantation.
Pre-Existing Conditions
CarePlus by Chewy does not provide any coverage for pre-existing conditions. This includes coverage for pre-existing dental accidents or illnesses. ASPCA® Pet Health Insurance plans also do not cover pre-existing conditions. However, they are no longer considered pre-existing and are eligible for coverage if the condition is curable and cured and free of symptoms and treatment for 180 days.
Telehealth
The ASPCA® Pet Health Insurance program provides access to telehealth benefits through The Vet Connection to all customers, in all 50 states. You can easily connect with a vet online, in the comfort of your own home. CarePlus by Chewy does not provide telehealth benefits in all 50 states.
End of Life Expenses
The ASPCA® Pet Health Insurance program sees care throughout your pet’s lifetime, and even beyond their final moments. Coverage for end-of-life expenses such as euthanasia, cremation, and burial are included in our coverage. CarePlus by Chewy does not provide any coverage for end-of-life expenses.
*Only up to 90% for Essential Accident & Illness Plans.
**We offer a 30-day money-back guarantee if no claims are filed; 15-days in LA and ME. Not available in NY.
Comparison information is provided using publicly available information as of 11/22/2022 and is only meant to summarize program features, not a specific plan.
Review the provider’s plan terms for more details. The description of the providers’ plans are not provided by that company. If you have questions about other plans, please contact an agent of that company. It is our intention to provide fair and accurate comparison information. We attempt to keep information up to date but it may change from time to time. If you are aware of any inaccuracies or changes in the information provided, let us know by emailing socialmedia@cfinspet.com or mailing Marketing Department 1208 Massillon Road, Suite G 200, Akron OH 44306.
Pre-existing conditions are not covered. Waiting periods, annual deductible, co-insurance, benefit limits and exclusions may apply. For all terms and conditions visit www.aspcapetinsurance.com/terms. Preventive Care coverage reimbursements are based on a schedule. Complete Coverage℠ reimbursements are based on the invoice. Products, schedules, and rates may vary and are subject to change. Discounts may vary and are subject to change. More information available at checkout.
Insurance products are underwritten by either Independence American Insurance Company (NAIC #26581. A Delaware insurance company located at 11333 N. Scottsdale Rd, Ste. 160, Scottsdale, AZ 85254), or United States Fire Insurance Company (NAIC #21113. Morristown, NJ). Please refer to your policy forms to determine the underwriter for your policy. Insurance is produced by PTZ Insurance Agency, Ltd. (NPN: 5328528. Domiciled in Illinois with offices at 1208 Massillon Road, Suite G200, Akron, Ohio 44306). (California residents only: PTZ Insurance Agency, Ltd., d.b.a PIA Insurance Agency, Ltd. CA license #0E36937).
The ASPCA® is not an insurer and is not engaged in the business of insurance. Through a licensing agreement, the ASPCA receives a royalty fee that is in exchange for use of the ASPCA’s marks and is not a charitable contribution.
