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.

ASPCA® Pet Health Insurance Chewy
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.


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. 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.