Pet Insurance Reviews

ManyPets Pet Insurance Review 2024 (Official)

Pawlicy Advisor
Reviewed by Kari Steere, Licensed Insurance Producer
Updated May 28, 2024 | 14 min read
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18,498 Consumer Reviews

Trustpilot, April 2024

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& Illness

Plans Offered

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Routine Care



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Why You Can Trust Us

Unlike other platforms, Pawlicy Advisor provides objective, unbiased, data-driven advice. We also offer personalized plan recommendations based on breed-specific attributes and total cost predictions for the lifetime of your pet. See your recommended plan.


Starting Cost For Dogs

$20 / month*

Starting Cost For Cats

$15 / month*

One-time Enrollment Fee


Coverage Options

Annual Deductible

$250 to $1,000*

Reimbursement Rate

70% or 80%

Annual Coverage Limit


*Varies by state

Waiting Periods

Accidents & Illnesses

15 days


0 days

Filing a Claim

File Claims 

Online account, mobile app, or email

Claim Expiration 

Within 365 days of diagnosis or the date of the accident

Average Claim Reimbursement 

2 days

Enrollment Requirements

Minimum Age For Enrollment 

4 weeks old

Maximum Age Limit

14 years old

Residency Requirements

Available in the following states: AL, AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KS, KY, LA, ME, MD, MI, MS, MO, NE, NH, NM, NY, NJ, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WV, WI, WY

ManyPets Pet Insurance offers comprehensive coverage for a wide range of veterinary expenses, including many services other providers lack coverage for, such as acupuncture and chiropractic.

ManyPets insurance kicks in after just 14 days for any type of illness or injury — even cruciate ligament and orthopedic conditions, which may take up to a year to be covered elsewhere.

Claims are reimbursed in as little as two days on average with no cap on how much you can get paid out per year or throughout your pet's lifetime.

However, at the time of this writing in 2024, plans are not available in all 50 states and there are some age-related coverage restrictions for pets over the age of six. Keep reading to learn whether this provider offers the best pet insurance for you and your pet.


  • Customizable policy terms
  • No limits on claim payouts 
  • Fast claim reimbursement
  • Short waiting periods
  • No upper age limit for enrollment
  • No physical or dental exam requirements to sign up
  • Multi-pet discount available
  • Can pay the vet directly


  • No Accident-Only coverage option
  • Not available in all U.S. states as of 2024
  • Claims related to hip dysplasia are not covered for pets over 6 years old


ManyPets Pet Insurance was originally founded in 2012 by CEO Steven Mendel and CTO Guy Farley under the name Bought by Many.

The London-based company first expanded into the United States in 2021, servicing a handful of locations with plans underwritten by Accredited Surety and Casualty Company, Inc. They've since continued their expansion and are now available in most of the U.S. with a goal of operating its products to pet owners nationwide in the near future.

What's Covered

  • Accidents and illnesses
  • Breed-specific conditions
  • Congenital conditions
  • Chronic conditions
  • Orthopedic conditions
  • Cancer
  • Diagnostic exam fees
  • Tooth extractions 
  • Prescription medications
  • Alternative therapies
  • Dental injuries and illnesses
  • Euthanasia & end-of-life care

Optional Add on: Routine Care

What's Not Covered

  • Therapeutic diets
  • Behavioral modification
  • Obedience training
  • Lost pet advertising and reward
  • Canceled vacation fee reimbursement
  • Boarding fees due to owner hospitalization
  • Microchipping
  • Grooming
  • Breeding and whelping costs
  • Fecal exams (available with wellness plan)
  • Cosmetic or elective procedures
  • Bilateral conditions
  • Pre-existing conditions

Routine Care Add-On

ManyPets insurance offers an optional wellness plan that you can add to expand your policy coverage to offset the cost of routine pet care, by reimbursing veterinary expenses such as vaccinations, annual exams, dental cleanings, parasite prevention, and more.

The benefit schedule is divided into four categories that each reimburse up to $150 with no deductible and immediate coverage, for a total of $600 in wellness benefits per policy term.

Preventive Care BenefitMaximum Annual Allowance
Routine Exams and Vaccines$150
Tests and Parasite Prevention$150
Dental Cleanings and At-home Dental$150
Vitamins and Supplements$150
Total Benefit Amount= $600/year

  Pawlicy Advisor Tip : We recommend adding routine care for pets under age two due to the high number of wellness visits at this age. Older pets may not save money with a routine care add-on. Learn more: Are Wellness Plans Worth It?

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How it Works

You can use ManyPets Pet Insurance with any licensed veterinarian in the United States. Like most providers, ManyPets reimburses you for a portion of your eligible vet expenses for incidents related to unexpected accidents or illnesses (after your deductible has been met).

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1. Visit any licensed veterinarian, specialist, or emergency doctor — no referral is needed.

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2. Pay for the visit upfront out-of-pocket at the time of your appointment.

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3. File a pet insurance claim through the app, website, email, fax, or mail.

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4. Get reimbursed for a percentage of vet costs (depending on your plan's coverage).

ManyPets Pet Insurance Waiting Period

When you sign up for pet insurance, you must wait a mandatory period of time before your coverage becomes effective and you are eligible for claim reimbursement.

Our ManyPets insurance review found this provider to enforce a shorter wait period than many of its competitors with a 14-day window across the board.

  • Accidents: 14 days
  • Illnesses 14 days
  • Orthopedic conditions (including hip dysplasia, luxating patella, and IVDD): 14 days
  • Cruciate Ligament Injuries: 14 days
  • Wellness: 0 days

Other pet insurance companies, by comparison, typically have different timeframes for different conditions, with coverage for orthopedic conditions and cruciate ligament injuries requiring as much as 180 to 365 days to become effective.

Filing a Claim

  • Window to File: up to 1 year after the date of incident
  • Average Claim Reimbursement: 2 days
  • Reimbursement Methods: check

How much does ManyPets Pet Insurance cost?

ManyPets costs as low as $20 per month for dogs and $15 per month for cats. Remember that pet insurance pricing depends on your animal's breed, age, zip code, and the coverage options you select. Getting a custom quote is the only way to get an accurate price estimate.

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Lowest Price for Dogs:

$20 / month

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Lowest Price for Cats:

$15 / month

Sample Prices

ManyPets Pet Insurance cost estimates shown below are based on a sample policy featuring a $500 deductible, 80% reimbursement rate, and unlimited annual coverage for pets living in Dallas, TX.

Breed of Pet

6 Months Old

3 Years Old

10 Years Old

French Bulldog




Labrador Retriever




Domestic Shorthair Cat




 Pawlicy Advisor Tip: All pet insurance policies are subject to price increases annually. Pawlicy Advisor crunches the numbers to calculate the lifetime price of a policy, then makes recommendations that will save you money over your pet's lifetime.

Discounts & Ways to Save

  • Policyholders receive up to 15% off premium rates for enrolling multiple pets.

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ManyPets Customer Service

ManyPets is rated an average of 3.9 out of 5 Stars in reviews submitted by nearly 20,000 customers on Trustpilot.

Multiple ManyPets reviews highlight how easy it is to use the provider's online services and praise the quick turnaround time for claim payouts, which are often processed the same day. However, not all have received such quick reimbursement, as evident in the frustrations of those who report experiencing delays and poor communication.

Other customers appreciate that ManyPets can pay the vet directly instead of reimbursing out-of-pocket costs later on. Several report switching to this carrier for the hassle-free experience and supportive customer service, but some express concerns about consistency in service quality — especially during emergencies or when prompt support is needed.

Most feel that the comprehensive coverage they receive is good for the price they pay.

Monday - Friday: 9:00 AM to 9:00 PM ET

Saturday: 10:00 AM to 6:00 PM ET

 Customer Service: 1-888-978-5291

 Customer Support:


Enrollment Requirements

  • Age at enrollment: at least 4 weeks old
  • Medical Review: required
  • United States address: ManyPets is available in Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Mississippi, Missouri, Nebraska, New Hampshire, New Mexico, New York, New Jersey, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, and Wyoming.

How to Cancel ManyPets Pet Insurance

To cancel ManyPets insurance, call the customer service phone number or email support at any time without charge. Here is the specific language used in the ManyPets cancellation policy:

“We’re sad to see you go, but you can cancel your pet health insurance policy, free of charge, at any time (please review the [terms and conditions] of your wellness plan). Simply call or email our customer care team, and they will cancel your policy.

If you decide to come back, please note that any accidents or illnesses during your previous policy or hiatus will be considered a pre-existing condition on a future policy.”

ManyPets offers a 30-day money bac guarantee that allows you to request a refund any premiums you've paid if you decide to cancel your policy within the first 30 days, so long as no claims have been filed.

ManyPets Pet Insurance Reviews


18,498 Consumer Reviews

One of the best insurance companies out…

“One of the best insurance companies out there ‘if not the best’ They have paid every claim that [I] or my Vet has submitted. Willing to do Direct Claim's. It [is] the only Insurance Company ‘I'm aware of’ that pays for your Dog to have a second TPLO Operation. I [can't] fault Many Pet's Insurance.”

Wendy Jackson
April 18, 2024


“I have put in two identical claims for hydrotherapy the first one has been waiting weeks the second one was paid within hours. This is the kind of no sense that leaves me exasperated with you guys 🤷‍♀️ Sometimes fab, sometimes really frustrating. I still love your one excess per year and multi-pet discount.”

April 19, 2024

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More From Pawlicy Advisor

 We are the pet insurance experts. The Pawlicy Advisor team analyzes the top pet insurance companies and the fine print in their policy details to provide you with an objective breakdown of the insurance provider, the plans they offer, and how they compare.

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Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. 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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