ManyPets Review: Pet Insurance & Optional Wellness

Best for Unlimited Coverage

4.7 _/5

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Pet Insurance

• 24/7 access to virtual vets
• A medical exam is not needed to enroll
• Excellent reviews from policyholders
• 30-day money-back guarantee

• Not available in Hawaii, Idaho, Massachusetts, or Maine
• Doesn’t offer any discount opportunities

Annual coverage	Unlimited
Reimbursement	70% or 80%
Deductible	$500, $750, or $1,000

Our ManyPets pet insurance and wellness plan review describes what’s covered, the pros and cons, eligibility requirements, the application process, and more.

What does ManyPets offer?

ManyPets offers customizable pet health insurance for accidents and illnesses, with an optional wellness plan for routine and preventive care for dogs and cats. The details below can help you better understand how each product works so you can get the coverage you need.

ManyPets pet insurance

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No limits on payouts, copays, or care

• Visit any licensed veterinarian with no restrictions
• Up to 100% reimbursement on covered veterinary care
• Choose a deductible of $250, $500, or $750

The ManyPets pet insurance policy covers treatment and healthcare costs for accidents and illnesses. This is the most comprehensive form of pet insurance available on the market.

Policy terms

Policy terms are a crucial part of any insurance product. They’re often customizable, allowing policyholders to adjust their cost and level of protection. Here are the terms of a ManyPets pet insurance policy:

• Monthly premium varies based on breed, species, and location. Prices start at $20 for dogs and $15 for cats.
• Deductible: $0, $100, $250, $500, or $750
• Reimbursement: 70%, 80%, 90%, or 100%
• Annual benefit limit: No annual or lifetime limits

What’s covered?

Here’s what a ManyPets insurance policy does and doesn’t cover:

Covered	Not covered
Vet fee exams for accidents & illnesses	Preventive care (optional Wellness plan)
Diagnostics	Pre-existing conditions (unless your pet has been symptom- and treatment-free for 18 months)
Medications	Cosmetic services
Surgeries	Non-FDA approved medications
Hospitalizations	Prescription diet
Cancer treatments
Supplies
Hip Dysplasia
Dental illnesses
Eye, ear, and skin infections
Hereditary & congenital conditions
Chronic conditions

Waiting period

After you purchase a policy, you’ll go through a brief waiting period before the plan takes effect. This is true of all pet insurance providers; they don’t want you to sign up for a plan only after an injury or illness has already occurred.

The ManyPets waiting period is 15 days, but you can waive it if your pet was insured with a different carrier within 24 hours of purchasing your ManyPets Pet policy.

ManyPets wellness plan

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Optional preventive care coverage

• Only available as an add-on to an insurance policy
• Covered items include routine exams, vaccinations, preventive medication, dental cleanings, and holistic care

A ManyPets wellness plan will reimburse you $150 per year for each of the following categories:

• Routine exams & vaccinations
• Preventive medications & heartworm tests
• Dental cleanings
• Holistic care

Unlike pet insurance, you don’t need to meet a deductible before reimbursement begins. Once ManyPets has reimbursed $150 for a specific category, you’re responsible for 100% of the remaining costs.

Pros & cons of ManyPets

Pros

• Customize your policy to get the coverage you need, at a cost you can afford

• No annual or lifetime limits on claims

• Affordable premiums

• An optional wellness plan for routine care

• Pre-existing conditions may be covered if certain requirements are met

• You can cancel your policy any time free of charge

• Visit any licensed veterinarian in the United States

Cons

• Information on its website is limited

• Hip dysplasia is not covered for pets enrolled at the age of six or older

• Not available in Idaho, Massachusetts, Virginia, or Washington, D.C.

Eligibility requirements

Pet insurance through ManyPets is available in most states. Exceptions are Idaho, Massachusetts, Virginia, and Washington, D.C.

Pets eligible for coverage include dogs and cats with no breed or age restrictions. No veterinary exam is required to enroll with ManyPets. But when you file your first claim, you must submit your pet’s medical records from the prior 18 months.

How much does ManyPets cost?

ManyPets offers a free online quote tool that will let you find out how much a policy will cost once you’ve input all the relevant information about you and your pet. It won’t take more than a few minutes. The policy is customizable, so you’ll be able to adjust some of the terms to find a price that fits your budget.

Here are the quotes we obtained—two for dogs—an eight-month-old Australian terrier and a two-year-old Labrador retriever—and two for cats—a Scottish Fold and a Siberian:

How the application process works

Our team submitted a quote through ManyPets to show you how the application process works. Check out the video to see what you’ll need to get a quote. To get your own personalized quote, click here.

Video recorded on March 22, 2022.

How ManyPets compares to other companies

Here’s how we view pet insurance from ManyPets vs. the rest of the industry.

For the “How it Compares” column, we determined whether the category discussed was above average, average or below average compared to other companies. For the “Alternative” column, we selected a company that offers a product equal to or better for that category.

Product category	How it compares	Alternative
Policy terms	Average	Spot
Coverage	Average	Embrace
Premium	Above average 🥇	Lemonade
Eligibility	Below average 👎	ASPCA
Waiting period	Average	Spot
Discounts	Below average 👎	Embrace
Wellness plan	Above average 🥇	Pumpkin

As always, it’s important to compare your options when considering a financial product. Because pet insurance companies allow you to get a free quote, we recommend getting a quote from multiple insurers before settling with one company. This can ensure that you get the most coverage at the best price.

For a direct comparison of companies, you can check out our picks for the best pet insurance. To find reviews of other popular companies, click here.

Or check out how ManyPets compares side-by-side with some of its competitors in our comparisons:

• ManyPets vs. Healthy Paws
• ManyPets vs. Trupanion
• ManyPets vs. Spot
• ManyPets vs. ASPCA