ManyPets Pet Insurance Review: Pros, Cons, and Coverage

Written by Katie Begley
Updated: May 22, 2022

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Part of being a responsible pet owner is taking care of your pet’s medical care. Not only does this keep your pet healthy and happy, but it can also help your pet live a longer and fuller life. Vet bills can quickly become quite costly, however. Many pet owners are turning to pet insurance to help them budget for and pay for both routine and unexpected veterinary care.

We’ve researched and reviewed ManyPets Pet Insurance, an international pet insurance company offering a wide range of coverage for both dogs and cats. They aren’t available in all states and only in two areas outside of the United States (the UK and Sweden) but their coverage and costs are very competitive.

ManyPets Review

Pros:

  • Up to 100% reimbursement of care
  • Low waiting period for customers switching from another insurance company
  • International coverage
  • Covers most emergency, illness, and injury care
  • Can visit any licensed vet

Cons:

  • Only available in certain areas (UK, Sweden, and 36 U.S. states)
  • Coverage for routine care is extra
  • Does not cover behavioral health

ManyPets is newer to the pet insurance marketplace but they are making a name for themselves quickly. While they don’t cover everything, the things that they do cover tend to be some of the most costly and time-sensitive. They also offer up to 100% reimbursement, more than most other pet insurance providers.

If you are switching to ManyPets from another pet insurance company, there is only a 24-hour waiting period for your new plan to take effect. This is a drastic change from many other insurance companies, which will require up to 2 weeks for your plan to kick in. With ManyPets, you know that your pet is covered right away.

Internationally, ManyPets is available in the UK and Sweden, where they also have offices. ManyPets is only available in the following states, however. If your state is on this list, great! If not, watch for coverage to be added.

A veterinarian holding a puppy and a kitten
The cost of pet insurance can vary by the age and breed of the pet as well as other factors.

States covered:

Alabama, Arizona, Arkansas, Colorado, Connecticut, Delaware, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Mississippi, Nebraska, New Hampshire, New Mexico, New York, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, Wyoming

Plans Available from ManyPets

You can get coverage for your pet dog or pet cat through ManyPets. There are two options available for each type of pet: puppy or kitten coverage and adult dog or cat coverage. Costs start at $15/month for kittens and $20/month for puppies but may be higher based on your pet’s age, breed, and other factors. As they grow, costs go up since they are more likely to experience medical issues as they get older. Adult cat plans start at $25/month and adult dog plans start at $35/month.

There are no caps on coverage. This means that as long as the condition, illness, or injury is covered in your plan, it will be covered.

You can use your pet insurance at any licensed veterinarian’s office in the approved areas. You will need to pay the bill initially if the vet requires it, then file your claim through ManyPets and get reimbursed.

What Does ManyPets Pet Insurance Cover?

ManyPets covers emergency, illness, and injury care for cats and dogs. Examples include diagnostic exams, diagnostic testing such as lab work and x-rays, stomach or intestinal problems, broken bones, cancer treatments, congenital and genetic diseases that are not known as pre-existing conditions, FDA-approved prescription medications, and rehab care. This is a long list and one of the reasons that ManyPets is a great option for comprehensive care.

One of the most costly treatments for pets is cancer care, which is why many pet owners chose to get pet insurance. ManyPets covers cancer diagnostic tests and treatments, including chemotherapy and radiation, as long as it is not a pre-existing condition.

A dachshund being prepped for surgery
ManyPets covers emergency, illness, and injury care.

Limits of Coverage

These plans will cover pre-existing conditions, sometimes. If the condition happened 18 months prior to the start of coverage and was completely healed, another incident will be covered.

Hip dysplasia is a common problem for some pets. ManyPets does cover hip-dysplasia treatment and care in some circumstances. If your pet is younger than six years old when the policy took effect and they did not already experience hip dysplasia or its symptoms, it will likely be covered. Pets that are six years old or older when coverage began are not covered for hip dysplasia treatments. If they already had the condition regardless of their age, ManyPets considers it a pre-existing condition and does not cover care.

Coverage for Routine Wellness Care

A normal plan from ManyPets will not cover routine preventative care, including behavioral health care. You can get a Wellness Plan add-on for an additional cost. This plan will cover periodic vet visits and other preventative care to keep your pet healthy.

The Wellness Plan covers routine vet check-ups, vaccinations, flea, tick, and heartworm prevention medication, dental cleanings, and holistic care such as supplements for stress and anxiety. Keep in mind that this plan does cost extra.

Cat getting a vaccine
For an additional cost, ManyPets offers a Wellness Plan that covers preventative care like vaccines.

What Is ManyPets Pet Insurance?

ManyPets began in 2012 in the UK. They started to reinvent insurance and make it more affordable and accessible. ManyPets has a lot of knowledge about how insurance works, how to process claims, and how to make things easy for their customers. They added pet coverage in 2017, expanded to Sweden in 2019, and to the United States in 2021.

As an insurance company, ManyPets makes filing claims very easy. You do need to cover any bills due from your vet when they are due, however. You can file your claim ahead of bill payments and get coverage from ManyPets in advance in some cases. This is often the case for ongoing treatment plans and larger bills, such as cancer treatments. For immediate injury or illness care, pet owners will often cover the cost and get reimbursed from ManyPets.

You can file claims online, which is easy to do even from the vet’s waiting room while your pet is being treated. You will need the invoice or bill from the vet to get reimbursed so make sure that you get that before your visit is over.

How Much Does ManyPets Pet Insurance Cost?

Costs vary depending on a number of factors: your pet’s age, breed, and location are all taken into account when getting a policy. Just like with people, insurance for older pets is often more expensive because they are more likely to have costly medical procedures needed. Puppies and kittens get some of the cheapest insurance from most providers, including ManyPets.

  • Puppies: Coverage starts at $20
  • Adult dogs: Coverage starts at $35
  • Kittens: Coverage starts at $15
  • Adult cats: Coverage starts at $25

ManyPets versus Competitor Insurance Coverage

There are plenty of great pet insurance options on the market. How does ManyPets compare to other plans and coverage from top providers?

ManyPets vs. Spot Pet Insurance

While ManyPets covers a lot of costs and makes the claims process easier, Spot Pet Insurance is available in more areas and covers more conditions and care. Spot Pet Insurance reimburses up to 90% of vet bills, depending on the care and coverage. They also offer plans for preventative care and wellness checkups, a big perk for many pet owners.

Spot Pet Insurance is also a good choice if you live in one of the areas not covered by ManyPets or you want more access to expert vets and recommendations. They include a 24/7 telehealth hotline. When you aren’t sure if you should bring your pet to the vet or emergency care, just call the hotline to describe the situation and get an expert recommendation.

ManyPets vs. Lemonade

For a great pet insurance provider (with a fun name), consider Lemonade. They cover up to 90% of vet bills. If you opt for the preventative care package, you also have access to a live person via a chat feature in their app. Get advice on your pet’s care and when to take them to the vet for an illness or injury right from your phone.

Lemonade offers discounts that can save costs on premiums, although you will still likely have to pay more for care even if it is covered. You can use a multiple pet discount on plans and can get rebates for existing customers. Plans are available for dogs, cats, puppies, and kittens.

ManyPets vs. Pets Best Pet Insurance

One of the things that many pet owners like about Pets Best Pet Insurance is the multiple coverage options. Like people, pets are unique and a higher deductible/lower premium plan might be better for your situation. Pets Best offers multiple tiers and types of plans. This helps you get just the right coverage for you and your dog or cat.

Pets Best will also pay the vet directly. While ManyPets requires that you pay the bill and then file a claim to get reimbursed, Pets Best removes those steps in some cases. This can make the entire process easier for you as well as help you keep your own costs predictable. When you have costly vet care, such as a significant injury or illness like cancer, those costs can get expensive. Even if your pet insurance company will cover care and reimburse you, you will still need to pay the bill initially. Pets Best takes this burden off of the pet owner.

For more information on pet insurance check out our comprehensive guide.

About the Author

Katie is a freelance writer and teaching artist specializing in home, lifestyle, and family topics. Her work has appeared in At Ease Magazine and The Spruce, among others. When she is not writing, Katie teaches Creative Writing at Indian Creek School and was awarded an Author Fellowship to Martha's Vineyard Institute of Creative Writing. She also enjoys spending time with her three kids and cat.

ManyPets Pet Insurance Review: Pros, Cons, and Coverage FAQs (Frequently Asked Questions) 

Is ManyPets Pet Insurance Good?

Yes, ManyPets offers competitive rates, a clear list of covered conditions, and an easy claims process. Unfortunately, if you aren’t in one of the approved coverage areas that Manypets works in, you can’t take advantage of their coverage plans.

Does ManyPets Cover Hip Dysplasia?

ManyPets covers hip dysplasia testing and treatment only under certain conditions. If your pet is less than six years old when you get coverage and they do not have hip dysplasia as a pre-existing condition, it will likely be covered. For pets that are older than six years old when you start coverage, even if they’ve never had hip dysplasia or its symptoms, treatment will not be covered. If your pet already has hip dysplasia, regardless of age, it will not be covered.

Does ManyPets Cover Pet Cancer?

Yes, ManyPets covers cancer diagnostic testing and treatment. Coverage includes chemotherapy and radiation ordered by a licensed veterinarian. The exception to this coverage is if the cancer is a pre-existing condition at the time of coverage beginning or develops during the waiting period.

Can I Get Pet Insurance After Diagnosis?

Yes, you can get pet insurance after your pet is diagnosed with an illness, injury, or condition. In fact, we recommend it! The testing and treatment related to their existing condition and diagnosis are not covered by ManyPets, however. They consider these pre-existing conditions and exclude them from coverage. This is common with almost all pet insurance companies.