Pet Insurance Blog

Is ManyPets Pet Insurance Good? Here's How It Stacks Up

Kari Steere
Licensed Insurance Producer - Pawlicy Advisor
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Looking for pet insurance to cover veterinary bills in case your pet suffers an unexpected illness or injury? There are many options to consider, including the provider ManyPets.

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ManyPets is a newcomer to the pet insurance industry that offers highly-customizable plans that offer protection against illnesses and accidents, plus an optional wellness plan for preventive and routine care. The company also introduces several unique coverage features with competitive pricing, but it’s not available across all of the United States.

Learn more about the pros and cons in our ManyPets Pet Insurance review to see if this solution makes the most sense for your family.

Table of Contents

What's the buzz about ManyPets Pet Insurance?

Initially founded in 2012 under the name Bought by Many, the U.K. company now known as ManyPets recently expanded to the United States in 2021. The provider offers pet insurance in Arizona, Alabama, Arkansas, Georgia, Indiana, Illinois, Michigan, Mississippi, North Carolina, Nebraska, Nevada, New Mexico, Pennsylvania, South Dakota,Texas, Wyoming, and West Virginia, but plans to expand in all 50 states by the end of 2021. ManyPets insurance policies are underwritten by Accredited Surety and Casualty Co.

An overview of ManyPets Pet Insurance

Available plans

ManyPets offers an Accident & Illness pet insurance plan that covers a wide range of treatments and services, including:

  • Vet exam fees
  • Diagnostics
  • Prescription medications
  • Surgery
  • Hospitalization
  • Cancer treatment
  • Chronic conditions
  • Skin, ear, and eye infections
  • Dental illnesses
  • Hip dysplasia
  • Alternative treatments like chiropractic care and acupuncture
  • Supplies
  • MRIs and X-rays
  • Blood tests
  • Lab work

ManyPets also gives customers the option to add a pet wellness plan onto their health insurance policy at an additional charge. This coverage reimburses pet owners up to $150 a year for various routine services ranging from vaccinations, annual exams, and dental cleanings, to heartworm, flea, and tick prevention, as well as holistic care costs, including treatments and supplements for anxiety, stress, skin, coat, joints, and bones.


Like all pet insurance companies, ManyPets doesn’t cover pets with pre-existing conditions, except for conditions that have been treatment-free and symptom-free for 18 months. Other policy exclusions include:

  • Cosmetic and elective procedures
  • Treatment, medication, and supplements not approved by the FDA
  • Behavioral therapy or medication
  • Prescription diets
  • Breeding
  • Grooming
  • Boarding
  • Daycare

Some conditions, such as hip dysplasia, may be excluded if your pet enrolls after a certain age.


ManyPets insurance rates start at $15/month for cats and $20/month for dogs. However, the cost of pet insurance depends on various factors, including your pet’s breed, age, location, and selected plan.

Pet owners can adjust the cost of ManyPets insurance protection by choosing from one of four reimbursement rates (70%, 80%, 90%, or 100%) and five deductible amounts ($0, $100, $250, $500, or $750).

ManyPets doesn’t have any lifetime or annual limits, which are other variables that typically affect rates.


ManyPets offers discounts for customers who choose wellness add-ons.

Claims and reimbursement times

ManyPets processes 99% of the claims within 48 hours. Once the claim is approved, the payment will be made within 24 hours. To make a claim, you need to email ManyPets with the treatment receipt and a copy of the invoice from your veterinarian.

What we like about this coverage

  • ManyPets offers a comprehensive Accident & Illness policy at affordable rates and with no annual, lifetime, or per-condition payout limits. Pet parents can customize deductibles and reimbursement rates to fit their budget and pet’s needs.
  • The company also covers some expenses and health issues that other providers don't, including vet exam fees and dental illnesses. Pre-existing conditions might be covered if certain requirements are met.
  • They offer insurance to all cats and dogs, regardless of their age, which can be helpful for those struggling to find pet insurance for older pets elsewhere.
  • ManyPets does not require a veterinary exam to be eligible for insurance enrollment. (However, when you file your first claim, you’ll need to include your pet’s medical records from the previous 18 months.)
  • The waiting period for accidents or illnesses is reduced to only 24 hours if you are switching over from another provider. Otherwise, you must wait 15 days before the pet insurance policy kicks in.

What could be improved

  • ManyPets is not available in all U.S. states as of December, 2021.
  • If you are looking for an Accident-Only plan, you will have to consider other providers.
  • The waiting period of 15 days for accidents is longer than some other pet insurance companies. For instance, Embrace and Lemonade have a two-day waiting period for accidents.
  • ManyPets doesn’t cover behavioral therapy, unlike many other providers, and hip dysplasia is also not covered for pets enrolled at the age of six or older.

Is ManyPets Pet Insurance worth it?

Most veterinarians believe pet insurance is worth it, but it’s important to choose the right provider that satisfies your needs.

Taking the time to compare different pet insurance plans and get quotes from multiple companies can save you money and potential headache down the road. The best approach is to read the fine-print details of each provider side-by-side and go through detailed reviews like those published on our Pet Insurance Advice blog.

To save yourself time, you can quickly compare pet insurance plans from top providers on Pawlicy Advisor and receive customized recommendations based on your pet’s unique information. See quotes, compare coverage details, and pick a plan within minutes to conveniently give your pet protection you feel confindent about.

Get expert guidance to help you find the best policy for your best friend.

Do you want to find the best pet insurance?

Let's analyze your pet's breed, age, and location to find the right coverage and the best savings. Ready?

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Kari Steer, Licensed P&C Insurance Agent at Pawlicy Advisor

Kari Steere
Licensed Insurance Producer - Pawlicy Advisor

Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. As an animal lover with a rescued Terrier named Barry, when she's not helping pet owners find the perfect plan on Pawlicy Advisor, she runs a ranch in Oregon and rehabilitates any animals that come across her path.

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