ManyPets pet insurance review 2025

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

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.

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: 

ManyPets typically processes accident and illness claims in eight to ten business days. If additional paperwork is required, the process may take longer.