Core Insights - Chewy, primarily known as an online pet product retailer, also provides pet insurance through partnerships with Lemonade and Trupanion, offering various coverage options [1][2] Pet Insurance Overview - Chewy's pet insurance includes accident-only, accident and illness, and wellness coverage, with specific plans varying by state and insurer [1][2] - Trupanion offers unlimited annual coverage for eligible vet expenses, while Lemonade has a cap of $20,000 per year [2][4] Coverage Details - Chewy CarePlus plans cover accidents and illnesses, including lacerations, cancer, hospitalization, and prescription medications, with optional wellness plans for routine care [6][10] - Lemonade's accident and illness policies include three tiers: Base, Value, and Value Plus, with the Base plan providing the least coverage [7][10] - Trupanion's Essential Accident & Illness plan covers a wide range of conditions, while the Complete plan includes additional coverage for chronic conditions and diabetes [11][12] Waiting Periods and Age Restrictions - Lemonade has a waiting period of 14 days for illness coverage and 12:01 a.m. the day after purchase for accident coverage, with a maximum pet age of 11 years [8][22] - Trupanion has a 5-day waiting period for accidents and no maximum age limit for pets [8][22] Cost and Discounts - The average monthly premium for Chewy pet insurance through Lemonade with a $5,000 annual limit is $70.62, while Trupanion's unlimited coverage averages $184.97 per month, which is above average [27][28] - Chewy offers a multi-pet discount of 10% for insuring more than one pet, which is competitive in the market [28] Claims Process - Claims for Lemonade can be filed through their mobile app, while Trupanion allows direct vet payments if the vet accepts them [31][34] - Lemonade customers have 180 days to submit claims, whereas Trupanion customers have 90 days [33] Customer Support and Accessibility - Chewy's pet insurance is available nationwide, with Lemonade in 41 states and Trupanion in all 50 states [39] - Chewy provides a customer service line for inquiries related to CarePlus insurance [41]

Lemonade rating: 3.2 out of 5 stars Lemonade pet insurance stands out for its great prices. If you’re looking for a rather bare-bones pet insurance policy at a good price, check out Lemonade’s pricing for your pet. Lemonade sells additional coverage as add-ons for extra cost, so you’ll pay more if you want a pet insurance policy comparable to many competitors, which include broader coverage in their base plans. Learn more: The best pet insurance companies Lemonade pet insurance pros and cons Pros Ex ...