Name: Pet Insurance
Brand: ManyPets
Rating: 4.6 (20657 reviews)

Pet Insurance Provider Of The Year 2024

Thousands of pet owners voted us Pet Insurance Provider Of The Year in the 2024, 2022 and 2021 Moneyfacts Consumer Awards.

The pros of pet insurance

Life with a pet is full of unexpected moments. They eat things they shouldn’t, are forever getting into trouble and, just like us, can’t help but get sick from time to time.

That’s where pet insurance has your back. A pet insurance policy covers the cost when your pet has an accident or falls ill – so you can get them the treatment they need without worrying about pricey vet bills.

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Pet insurance to help you, help them

Built by listening to thousands of pet parents, our policies have the needs of you and your furry best friends at heart. Get a pet insurance quote today for your furry friend or multi-pet pack.

Dog insurance

Up to £15,000 vet fee cover.

Cat insurance

Quality cat cover with unlimited, 24/7 video vet calls

Multi-pet insurance

Up to 15% discount when you insure multiple pets.

What vets really think about pet insurance

Hearing the words ‘they’re insured’ from a pet owner is such a relief to us as vets. It means we both know that the cost of treatment becomes a less significant barrier in major medical decision making. Our choices get to be made primarily on what we all agree is best for the pet.

Why pick ManyPets pet insurance?

Lifetime policies

Up to £15,000 of vet fee cover that renews every policy year.

Pre-existing conditions

Our standard policies cover conditions which ended more than two years ago. But our separate pre-existing policy reduces this timeframe to just three months. Read our handbook for the full details.

Dental illness cover

Included with our Complete pet insurance policy as part of your £15,000 vet fee limit – one of the highest levels of dental cover in the UK.

Unlimited, 24/7 video vet calls with FirstVet

Get advice from a UK-registered vet on your phone, day or night at no extra cost. No excess, no impact on your renewal price.

Pet perks

Access exclusive pet health extras worth up to £500, including discounted flea, tick and worming treatment, an offer on pet-sitting membership and much more. Offers may change at any time. Terms apply*

MoneyBack optional extra

Pay a little more for your policy and get 20% of your premium back at renewal if you haven’t needed to make a claim.

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The perks of our pet insurance

We always want to be there for you and your furry friend, even when you don’t need to claim on your pet insurance. That’s why we offer a range of pet perks worth up to £500 with every policy. Here’s what you can get your paws on. Offers may change at any time. Terms apply*.

Free petsitters

A year’s free TrustedHousesitters membership, worth £99. Offer ends 31/08/24. Terms apply*

Preventative pet care

Get discounted flea, tick and worming preventative treatment.

Special offers

Enjoy exclusive savings on pet treats, accessories, DNA tests and more.

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What is lifetime pet insurance?

We know that your pet is a bona fide furry member of the family. They’re your therapy, your mood-booster, your happiness. So why would we ever want you to risk them running out of cover when they need it?

That’s why we only do lifetime pet insurance policies here at ManyPets.

It just means that whatever level of cover you choose, it’ll refresh each year when you renew your policy. You can claim up to the full vet fee limit every year and we’ll continue to provide cover for conditions your pet may develop during their lifetime.

So even if one year your pet needs treatment that costs an arm and a hind leg, you’ll still have the same amount of cover to fall back on after your policy renews.

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How much does pet insurance cost?

Among other factors, the cost of your pet insurance in the UK will depend on:

Your pet’s breed
Their age
Where you live
How much your paid for your pet
Any pre-existing medical conditions they have
The policy you pick

The only way to know for sure is to get a pet insurance quote. Luckily, it only takes a few minutes.

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Compare our pet insurance policies

We’ve got a range of pet insurance policies with cover up to £15,000. See how they stack up and pick the one that’s right for you – or give us a call for more options.

	Complete	Regular	Pre-existing	Value
Policy details
Vet fee cover	£15,000	£7,000	£7,000	£3,000
Dental cover	Accidents and illness	Accidents only	Accidents only	Accidents only
Pre-existing conditions cover	Cover for conditions that ended 2 years ago	Cover for conditions that ended 2 years ago	£1,500	Cover for conditions that ended 2 years ago
Unlimited 24/7 video vet calls at no extra cost
Extra pet health perks *Terms apply

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What does our pet insurance cover?

Pet insurance is there to cover the cost of unexpected vet bills when your pet has an accident or falls ill. That can include:

Vet visits

Any consultation or examination that isn’t a routine check up.

Treatment

Medications and surgery recommended by a vet, depending on your chosen policy.

Diagnostic tests

Including blood, urine or stool tests, plus any scans like X-rays, MRIs and CT scans.

But that’s not all we cover

There’s more to our pet insurance than just veterinary treatment. We’ll also cover you for:

Missing pet

We’ll help with the cost of finding a lost or stolen pet with our Complete policy. You can add this as an option to our other policies.

Third-party liability

All of our policies include cover for if someone takes legal action against you and your dog.

Overseas travel

You can add cover for vet fees while you’re travelling abroad with your pet as an option with some of our policies. It’s included as standard on our Complete policy.

Emergency pet care

All our policies have some cover for looking after your pet if you have an unplanned hospital stay.

We provide cover where some others won’t

Pre-existing conditions

All of our pet insurance policies cover conditions that haven’t needed any treatment, medication or advice for two years or more. We also have a dedicated Pre-existing policy for pets that can cover more recent conditions.

Dental treatment

Our Complete pet insurance policy covers dental accidents and illness, as long as your pet’s had a dental check-up within the last twelve months, and you’ve followed any dental treatment recommended by a vet within six months. All our other policies cover dental accidents.

Behavioural cover

We’ll cover behavioural treatment that’s needed as a result of an accident or injury when recommended by your vet.

Complementary treatments

If your pet is referred by a vet for hydrotherapy or another complementary therapy, you have cover within your vet fee limit. The level ranges from £500 to £2,500 depending on your policy.

Emergency vet care

We’ll cover any necessary out of hours treatment up to your vet fee limit, with no limits or exclusions, unless your vet advises that your pet can wait.

Pregnancy

Pet insurance doesn’t usually cover pregnancy complications, but some of our policies will cover them in a first pregnancy only, after you’ve had your policy for six months.

What doesn’t pet insurance cover?

Pet insurance is for the unexpected – so it can’t cover you for the cost of routine vet trips like:

Vaccinations – The average cost of initial vaccinations in 2022 was £78 for a dog and £73 for a cat.
Microchipping – It’s inexpensive, but microchipping is now compulsory for cats as well as dogs.
Spaying and neutering – The average cost to neuter a dog in 2022 was £221 (male) and £299 (female). Cats were cheaper to neuter at £76 (male) and £107 (female) on average.
Preventative dental care – The cost of dental cleaning and other routine preventative dental appointments for your pet aren’t covered by pet insurance.

Save on preventative care

The ManyPets Preventative Pet Care

Discounted flea, tick and worming treatment, exclusively for ManyPets members.
Safe, proven, non-prescription parasite treatment.
Free monthly delivery through your letterbox.

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Pet insurance FAQs

All the questions you’ve ever wanted to ask about pet insurance.

When you take out a pet insurance policy, you’ll pay an annual or monthly premium to a pet insurance provider that’s bespoke to you and your pet. If they have an accident or fall ill, you can claim on your policy to cover the costs of any veterinary bills.

Although there are many types of pet insurance policy available, at ManyPets we only offer lifetime policies. That means whatever vet fee limit you pick, it’ll refresh each year when you renew your policy. You can claim up to the full vet fee limit every year and we’ll continue to provide cover for conditions your pet may develop during their lifetime.

A pet insurance policy will also usually cover some costs if your pet is lost or stolen, passes away, or has legal action taken against them.

Getting a pet insurance quote is easy. All you need to tell us is:

Your details and address
Your pet’s age
Your pet’s breed
Your pet’s gender
Your pet’s name
The price you paid for your pet
Your pet’s neutered status

Self-insurance is when people put money aside to cover potential vet costs rather than paying for an insurance policy.

The risk with it is that you don't know when your pet might need treatment and how much it will cost.

If you've only been saving for a few months and your pet has an expensive operation it's unlikely you'll have enough set aside. And if your cat or dog needs regular treatment it can quickly chip away at any savings.

If you have a lifetime pet insurance policy your vet fee limit will reset every year you renew. Our Complete policy would give you £15,000 of cover every year.

Even common issues like cuts and vomiting can cost hundreds of pounds to treat and more serious conditions can easily cost thousands. This is why many people choose to insure their pets.

If your pet hasn’t needed vet treatment, medicine or advice for a condition within the last two years, any of our Complete, Regular or Value policies will be suitable for them.

Our Pre-existing policy can provide cover for a pet that’s had a more recent health issue. We’ll cover a condition as long as your pet’s been free from treatment, medicine or advice for three months.

No, vaccinations aren’t covered by pet insurance because they’re classed as routine procedures.