ManyPets Review: Pet Insurance & Optional Wellness

Note: Wellness plans are not currently available through ManyPets.

Founded in 2012, under the name Bought by Many, the company began with a mission to remove the hassle of insurance. In 2017, the desire for a pet insurance product from its customers led the company to launch ManyPets in the UK. Since then, ManyPets has expanded to Sweden and the United States, adding over 300,000 new customers along the way.

This review of ManyPets pet insurance and wellness plans describes what’s covered, pros and cons, eligibility requirements, a video of the application process, and more. Click an option in the list below to jump to that section or read the full review!

In this review:

• What does ManyPets offer?
• Pros & cons of ManyPets
• Eligibility requirements
• How much does ManyPets cost?
• How the application process works
• How ManyPets compares to other companies

What does ManyPets offer?

ManyPets offers customizable pet health insurance for accidents and illnesses, with an optional wellness plan for routine and preventative care, for both dogs and cats. The details below can help you better understand how each product works so that 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, 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 — that is, they allow policyholders to adjust both the cost and level of protection they’ll receive. Here are the terms of a ManyPets pet insurance policy:

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

What’s covered?

Nearly all pet insurance companies offer accident-and-illness plans, but that doesn’t mean every company covers the exact same things. Here are some items that are covered by a ManyPets insurance policy — and some that aren’t.

What’s Covered	What’s Not Covered
Vet fee exams for accidents & illnesses	Preventative 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
And more

Waiting period

After you purchase a policy, you’ll need to go through a brief waiting period before the plan actually takes effect. This is true of all pet insurance providers; after all, 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 the 15-day waiting period may be waived 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 preventative care coverage

• The wellness plan is only available as an add-on to an insurance policy
• Covered items include routine exams, vaccinations, preventative 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
• Preventative medications & heartworm tests
• Dental cleanings
• Holistic care

Unlike pet insurance, there is no deductible that needs to be met before reimbursement begins. Just remember that once $150 has been reimbursed for a specific category, you’ll be responsible for 100% of the remaining costs in that category.

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

• Preexisting conditions may be covered if certain requirements are met

• You can cancel your policy any time, free of charge if necessary

• Visit any licensed veterinarian in the United States, with no restrictions

Cons

• Information on its website is limited

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

Eligibility requirements

Pet insurance through ManyPets has one major limitation for most pet parents: it’s only available in Alabama, Arizona, Arkansas, Colorado, Connecticut, Delaware, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Mississippi, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, and Wyoming. While this alone will restrict some from being able to apply for a policy, the good news is the company has announced plans to launch in all 50 states (and the District of Columbia).

Pets eligible for coverage include dogs and cats, with no breed or age restrictions. There’s also no veterinary exam required to enroll with ManyPets. But, when you file your first claim, you will have to submit your pet’s medical records from the prior eighteen 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 some quotes we received:

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. If you want to get your own personalized quote, click here.

Video recorded on March 22, 2022.

How ManyPets compares to other companies

ManyPets offers a solid pet insurance product that’ll become more popular once it’s available nationwide. Here’s how we view pet insurance from ManyPets vs. the rest of the industry.

Note: 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 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 (which after all, insurance is). Since 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 of ManyPets vs. Healthy Paws, ManyPets vs. Trupanion, ManyPets vs. Spot, and ManyPets vs. ASPCA.