Advertiser Disclosure
ManyPets pet insurance review
Since 2012, ManyPets has made it its mission to provide pet owners with comprehensive veterinarian coverage that protects their furry family members while providing a financial safety net and peace of mind when they need it most.
ManyPets’ "nose-to-tail" approach to pet insurance covers everything from accidents and illnesses to hereditary conditions and an optional wellness plan — without any annual payout limits on eligible claims. Plus, its transparent and competitive pricing means no hidden fees or surprise costs.
For pet parents looking for solid, convenient and affordable protection for every stage of their pet’s life, ManyPets makes our list of best pet insurance companies.
ManyPets
Summary
Annual deductible options: $250, $500 or $1,000
Reimbursement percentage: 70 or 80 percent
Annual limit: Unlimited coverage
Claim turnaround time: 8–10 business days
Enrollment age: 8 weeks–14 years
Direct vet pay: No
ManyPets coverage options
ManyPets offers a comprehensive accident and illness policy designed to cover unexpected veterinary expenses that may arise during a pet’s lifetime.
ManyPets plans and customizations
ManyPets takes a streamlined approach to pet insurance by offering an accident and illness policy that covers both emergencies and chronic conditions, as well as an add-on plan for wellness costs.
Accident and illness coverage
While other companies have separate policies, the ManyPets accident and illness plan covers the cost for both unexpected accidents (like a broken bone) or sudden illness (like poisoning). Your ManyPets policy will also cover treatment for cancer, most hereditary conditions and periodontal disease.
A major advantage for pet parents choosing ManyPets is the absence of an annual coverage limit. No matter how many vet bills your furbaby accumulates in a year, your expenses are covered according to your policy’s terms. You can choose between 70 percent and 80 percent reimbursement options, allowing you to balance your monthly premium and out-of-pocket costs.
Additionally, ManyPets offers annual deductible options ranging from $250 to $1,000. While a higher deductible will lower your premium, you'll need to cover more vet bills before your insurance starts covering costs.
If your pet is relatively healthy and your vet visits are at a minimum, you can raise your deductible and lower your reimbursement rate at any time to reduce your monthly premium.
Wellness plan
Annual checkups help keep your pet healthy, but they aren’t covered in the ManyPets accident and insurance plan. Instead, pet owners can purchase a wellness plan to help defray the cost of routine vet visits and preventive care.
Unlike the insurance plans (which typically require a waiting period), wellness coverage begins the day after your policy becomes active. The total annual benefit for wellness coverage is $600. Your plan will reimburse up to $150 for each of the following categories:
- Dental cleaning (scaling and polishing) and at-home dental care (brushes and pet toothpaste)
- Flea, tick and heartworm preventives, FELV/FIV, heartworm and fecal testing
- Routine exams and vaccines (Bordetella, DHPP, FVRCP, Lyme disease and rabies)
- Vitamins and supplements to help with anxiety, coat, skin and joint care
Pros and cons
PROS
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Comprehensive coverage: ManyPets reimbursements include exam fees and treatment for some dental diseases, which few pet insurance providers do without costly add-ons.
Pre-existing conditions exception: If your pet has shown no signs or symptoms for 18 months, ManyPets will cover costs for a pre-existing condition.
No annual payout caps: No matter how many times you visit the vet, your ManyPets accident and illness policy will pay out according to your policy.
No hidden fees: Unlike some insurers, ManyPets doesn’t charge any monthly administration fees.
Waiting period waivers: ManyPets offers waiting period waivers for pet parents moving over from a different insurance provider and those who provide medical records from a medical exam performed after ManyPets coverage commences.
No network: You can see any vet or veterinarian hospital as long as they are located in the states where ManyPets operates.
CONS
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Age restrictions for new policies: Pets older than 14 years are not eligible for new policies, limiting senior pet owners.
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Hip dysplasia coverage limitations: Your dog is only covered for hip dysplasia if you enroll them before six years of age.
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Limited availability in some regions: ManyPets is still expanding its services, so coverage may not be available in all states.
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Limited policy adjustables: ManyPets only allows up to 80 percent reimbursement percentage, where some insurers offer 90 percent.
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No 24/7 vet helpline: While they are adding it in the future, ManyPets does not currently offer a round-the-clock vet helpline.
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No accident-only plan: ManyPets isn't the best choice for pet parents looking to reduce costs by purchasing an accident-only plan.
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No direct pay: ManyPets does not pay the vet directly. Instead, pet owners pay the veterinarian bill up front and get reimbursed.
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No multi-pet discount: The majority of pet insurance providers offer discounts when you insure multiple pets. ManyPets does not.
Additional features of ManyPets
In addition to an easy claim submission process and streamlined coverage options, ManyPets has several standout features.
Wellness plan add-on
ManyPets offers an optional wellness plan that pet parents can add to their standard insurance policy. This plan covers routine and preventive care, including annual check-ups, vaccinations, flea and tick prevention and dental cleanings.
By incorporating wellness coverage, ManyPets allowed pet owners to maintain their pets' health proactively. This helps keep your pet healthy and ensures they receive regular care to prevent more serious health issues.
No enrollment fees
ManyPets does not charge enrollment fees when you sign up for a policy. This feature eliminates an extra upfront cost, making starting coverage easier and more affordable. By removing enrollment fees, ManyPets ensures more pet owners can access the protection their pets need without additional financial barriers.
End-of-life services
The loss of a pet is never easy. It can also be an expensive process. ManyPets offers coverage for euthanasia and cremation related to accidents or illnesses according to your policy guidelines.
Live agent assistance
Not only can you talk with an agent online, but pet owners who contact ManyPets via phone can speak with a U.S.-based agent in seconds. ManyPets also has plans to launch a 24/7 tele-vet option in the near future, giving pet owners access to immediate veterinarian advice.
Exclusions and restrictions
Like many pet insurance companies (and even human health insurance coverage), ManyPets has some restrictions. Below is a breakdown of the most common exclusions and limitations for ManyPets. These can vary by policy, so it’s always best to get a direct quote.
Age restrictions
ManyPets welcomes kittens and puppies from the age of eight weeks. However, new policies cannot be issued for pets older than 14. If your senior pet is already insured with ManyPets, the coverage can continue after 14 as long as your policy remains active.
Additionally, ManyPets provides coverage for hip dysplasia expenses as long as you enroll your pooch before they reach six years old.
Waiting periods
Like most pet insurance companies, ManyPets also has certain waiting periods before reimbursement for claims will begin. This means your coverage doesn’t start the day you enroll. Due to regulation variations, waiting periods may differ from state to state:
- 15-day waiting period for illnesses in all states where ManyPets is active.
- 15-day waiting period for accidents in all ManyPets states and Washington, D.C., except for those listed below.
- 0-day waiting period for accidents in Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire and Washington.
ManyPets will waive the waiting period if your pet was covered by a previous policy that is active for at least 24 hours before ManyPets’ effective date.
In select states, ManyPets also offers a waiting period waiver if you can provide medical records showing that your furry friend has been in for a veterinary examination after your policy’s effective date. This option is available in Delaware, Louisiana, Michigan, Maine, Mississippi, Nebraska, New Hampshire and Washington.
Location restrictions
ManyPets will reimburse for treatment from any licensed veterinarian, emergency clinic or veterinary specialist in 45 states and Washington, D.C. Coverage is currently not offered in Hawaii, Idaho, Maine, Massachusetts or Minnesota.
In addition, some policy selections, like reimbursement rates and deductible amounts, can vary due to state regulations. It’s always best to check ManyPets’ policy in your state before purchasing to ensure availability of coverage.
ManyPets insurance costs
Pet insurance policy costs depend on several factors, such as your pet's species, breed, health, age and location. Your premium will also depend on your choice of deductibles, coverage amounts and whether you choose a wellness plan.
We've pulled the latest quotes for a dog and a cat based on age and breed to help give you an idea of what to expect monthly. We recommend getting a direct quote from ManyPets for your furbaby.
Example rates for dogs
Breed 2 years old 5 years old 8 years old 10 years old *Sample policies were for a female dog with excellent health in Arizona with the ZIP code 85251. The choices for customization selected were for an accident and illness plan with a $250 deductible, 80 percent reimbursement limit and unlimited annual benefit limit. For comparison purposes, other companies were for an accident and illness plan with a $250 deductible, 90% reimbursement limit and $5,000 annual benefit limit. Those options were not available with ManyPets. The rates listed are for illustrative purposes only. You should contact the company directly for applicable quotes.
French bulldog $209 $282 $498 $722 Labrador retriever $111 $149 $264 $383 Golden retriever $99 $132 $236 $342 German shepherd $112 $152 $268 $388 Poodle $91 $115 $196 $282 Dachshund $79 $100 $170 $244 Example rates for cats
Breed 2 years old 5 years old 8 years old 10 years old *Sample policies were for a male cat with excellent health in Arizona with the ZIP code 85251. The choices for customization selected were for an accident and illness plan with a $250 deductible, 80 percent reimbursement limit and unlimited annual benefit limit. For comparison purposes, other companies were for an accident and illness plan with a $250 deductible, 90% reimbursement limit and $5,000 annual benefit limit. Those options were not available with ManyPets. The rates listed are for illustrative purposes only. You should contact the company directly for applicable quotes.
Rates were last gathered December 18, 2024.
Ragdoll $44 $56 $85 $112 Maine coon $44 $56 $85 $112 Persian $44 $56 $85 $112 Exotic $45 $57 $87 $115 Devon rex $49 $62 $94 $125 British shorthair $47 $60 $91 $120 How to file a claim with ManyPets
You have up to 180 days from paying your vet’s bill to submit your claim. Follow these three easy steps to file your ManyPets insurance claim:
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Pay the vet or clinic as usual, but ask for an itemized vet bill.
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Log into your ManyPets account and click on the “Make a Claim” button. Fill out the required claim details and upload a copy of the itemized vet invoice. Note: If this is your first claim, ManyPets needs you to also submit a copy of your pet’s medical records from the past 18 months.
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The team will analyze your claim (standard procedure!) and keep you posted on its progress via email. If your claim is approved, ManyPets will reimburse you for your vet bill according to the terms and conditions of your pet’s policy via direct deposit or check
ManyPets typically processes accident and illness claims in eight to ten business days. If additional paperwork is required, the process may take longer.
Frequently asked questions
Methodology
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