ManyPets Pet Insurance Review

One of the newer names on the block, ManyPets began in the UK as a pet insurance comparison site called BoughtByMany but decided it could do things better than the providers it was comparing and began offering its own plans in 2017. It expanded to the US and quickly become a major player in the pet insurance market, offering incentives for anyone transferring from another insurance company. Its biggest selling point is the flexible nature of its payment options, which can be tailored to customers’ specific needs. They’re also very competitively priced.

Table of contents

Our ManyPets rating

Overall score

5.0
star star star star star

Speed of claims

5.0
star star star star star

Customer service

5.0
star star star star star

Claims procedure

5.0
star star star star star

Easy to understand

5.0
star star star star star

Value for money

4.0
star star star star star

Pros & Cons of ManyPets pet insurance

  • Waiting period reduced to 24 hours if switching from another provider
  • Flexible co-pay and deductible levels, including 100% reimbursement in some states
  • Covers vet exam fees for illness and accidents
  • Covers some pre-existing conditions
  • Not in all states – yet!
  • No 24/7 pet telehealth line

How does ManyPets pet insurance work?

You enter some very basic details about your cat or dog, your zip code, and then you get a premium that you can tweak by changing the levels of co-pay and deductible (which is annual, not per claim), a preventative and wellness option, plus a list of what’s included/excluded.

The benefits of ManyPets pet insurance

The ability to choose your co-pay and deductibles levels is a great feature, allowing a lot of flexibility. It also covers pre-existing conditions if your pet has been symptom- and treatment-free for 18 months, which you don’t get with all providers. There are no restrictions or annual limits.

ManyPets plans explained

While your contributions are flexible, the plans are pretty simple. There’s an accident and illness plan and a preventative and wellness plan, which covers treatments like wellness exams, vaccines, dental cleanings and other preventative measures. You get a discount if you take both. Cat plans pay up to 100% of bills, dogs up to 90%.

What does ManyPets pet insurance cover?

It’s horrible when your pet gets sick or hurt, but it’s worse if you can’t afford to pay vet bills or have to build up debt. Pet insurance can cover up to 100% of costs. Here’s what ManyPets covers.

ManyPets coverage vs. other insurers

How does ManyPets stack up against America’s other providers? Have a look in our handy table!
Scroll to compare
ManyPetsLemonadeEmbraceFigoHealthyPetsASPCASpotTrupanionFetchPumpkinWagmoNationwide
Annual coverage options$10,000, 
$30,000+$5000, $10,000, 
$20,000+$5,000, $8,000, $10,000, $15,000, $30,000$5,000, $10,000, Unlimited Unlimited$5,000, Unlimited $3,000, $4,000, $5,000, $7,000, $10,000$2,500, $3,000, $4,000, $5,000, $7,000, $10,000, Unlimited Unlimited $5,000, $10,000, Unlmited $10,000, $20,000, Unlimited $20,000$10,000, Unlimited
Deductible options$100, $200, $500$100, $200, $500$200, $300, $500, $750, $1,000$100, $250, $500, $750$100, $250, $500, $750, $1,000$50, $100, $200, $250, $500, $1,000$100, $250, $500$100, $250, $500, $750, $1,000$0 - $1,000$300, $500, $700$100, $250, $500$250, $500, $1,000$250
Reimbursement options70%, 80%, 90%70%, 80%, 90%70%, 80%, 90%70%, 80%, 90%, 100%50%, 60%, 70%, 80%, 90%70%, 80%, 90%70%, 80%, 90%70%, 80%, 90%50%, 90%70%, 80%, 90%90%90%, 100%50%, 70%, 90%
When does coverage start?2 weeksImmediate2 weeks 2 weeks 15 days14 days 15 days14 days 5 days15 days14 days 15 days14 days
Maximum age at sign up12 years14 years14No Maximum14No MaximumNo MaximumNo Maximum 14No maximum No Maximum 14 years10 years
Are vet exam fees included at no extra cost?
Are dental accidents covered?
Are dental illnesses covered?
Is there a wellness plan offered?
Is there a virtual vet/telehealth service?
End of life coverage
Is there a multi-pet discount offered?
Is there a charge for paying monthly?
Is there an app to make claims?

*Coverage is based on choosing unlimited coverage, 250 deductible and 90% reimbursement

Is ManyPets pet insurance good value for money?

Looking at a selection of our ManyPets reviews, value for money seems to be one of ManyPets’s strong points. They particularly like the discounted wellness plan and the fact that they can adjust their premiums by changing their co-pay and deductibles.

4-month-old
 Mixed Breed Medium 2-year-old 
Golden Retriever 6-year-old Domestic Shorthair Cat
Los Angeles New York Florida
ManyPets $35.14/month $39.69/month $37.61/month
Embrace $31.37/month $42.58/month $23.96/month
Lemonade $36.67/month $47.59/month $19.58/month
Healthy Paws $50.53/month $55.42/month $44.27/month

How good is ManyPets’s customer service?

ManyPets rates well for customer service. There’s a live chat function on the site that answers a lot of questions, but you can call them Monday through Saturday. The agents are viewed as friendly and knowledgeable.

How do I contact ManyPets?

The best way to contact ManyPets is by phone on 1-888-978-5291 (Mon-Fri: 9am-9pm EST; Sat: 10am-6pm EST) but you can also email them (manyhelp@manypets.com for general enquiries or manyclaim@manypets.com for claims), live chat on the site, and message them on Instagram and Facebook.

What is ManyPets’s claims process?

The claims process is very simple. You pay the vet, email the claim, and ManyPets pays you up to 100% of the bill if it’s approved. Most of our reviewers agree that this usually happens quickly and the pay-out rate is high.

How much will ManyPets pay for my claim?

ManyPets pays the vet bill for your pet’s treatment minus the deductible and co-insurance you chose for your policy. Here are some examples.
Average Vet Bill Cash back w/ 70% Cash back w/ 90% Cash back w/ 80% Difference between 70% & 90%
Cancer $8,137 $5,695.90 $6,509.60 $7,323.30 $1,627.40
Liver Disease $3,150 $2,205.00 $2,520.00 $2,835.00 $630.00
Swallowed Object $3,262 $2,283.40 $2,609.60 $2,935.80 $652.40
Glaucoma $976 $683.20 $780.80 $878.40 $195.20

Are there any exclusions?

All pet insurance policies have exclusions and ManyPets is no exception. It doesn’t cover routine or preventative care (though you can get this with the wellness add-on), non-FDA-approved medications, bilateral conditions, or most pre-existing conditions unless your pet has been symptom- and treatment-free for 18 months.

What are the waiting periods for conditions?

ManyPets has a waiting period of 15 days for both accident and illness, which is longer than some providers. However, if you switching from another insurer, ManyPets will reduce the accident and illness waiting periods to 24 hours. No other pet insurance provider does this. The waiting period for wellness plans is 24 hours.

How quickly does ManyPets pay claims?

The company doesn’t make and promises or give guidelines about the speed of its pay-outs, but customers seem to be happy. ManyPets also says it will keep you up to date on your claim’s process via email.

Can I customize my ManyPets plan?

In terms of what’s covered, there isn’t a lot of customization available. There’s the accident and illness plan, with the preventative and wellness add-on covering things like wellness exams, vaccines, routine dental cleaning, blood tests, parasite and heartworm testing, flea, tick and heartworm medications. However, contribution options – co-pay and deductibles – are very flexible and can be customized to get the premium customers want.

State availability for ManyPets

ManyPets is currently available in 36 states and is expanding rapidly, but because claims don’t need to be pre-authorized, it pays out for treatment at any licensed veterinarian, specialist, or emergency clinic you choose in the US.

Verdict: Is ManyPets pet insurance good?

ManyPets is a welcome addition to the choice of pet insurance providers. It may not be revolutionary, but it definitely offers some unique benefits. Its tailored premiums are a win with reviewers, as is the ease of communication. The website sets out in a nice clear way what you get and don’t get, and how to make claims. Price-wise it’s competitive but the lack of a telehealth service is something to bear in mind.

Our ManyPets rating

Overall score

5.0
star star star star star

Speed of claims

5.0
star star star star star

Customer service

5.0
star star star star star

Claims procedure

5.0
star star star star star

Easy to understand

5.0
star star star star star

Value for money

4.0
star star star star star