ManyPets policy documents and summaries

Here you'll find our policy documents and summaries.

A policy document provides information about what a policy does and doesn't cover.

An Insurance Product Information Document (IPID) is a summary of the policy document. It's a standard format used by all insurers to make it easier to compare policies from different pet insurance providers.

Top-quality pet insurance

Award-winning for a reason

Our cover comes from listening to thousands of cat and dog owners like you.

Protect your pet

Handbook for policies starting or renewing on or after 1 August 2024

Here you'll find information on how to use your policy and what is and isn't covered. This document should be read alongside your Insurance Certificate.

• Handbook for Complete, Regular, Value and Pre-existing

• Handbook for Value £2k

• Handbook for MoneyBack and Fixed For Life (no longer on sale)

Our new handbook for policies starting on or after 1 January 2024

We've refreshed our policy documents with a new look and feel. You'll find information on how to use your policy and what is and isn't covered. This document should be read alongside your Insurance Certificate.

• Handbook for Complete, Regular, Value and Pre-existing

• Handbook for MoneyBack and Fixed For Life (no longer on sale)

Insurance product information document (IPID) for policies starting or renewing on or after 1 August 2024

Here you'll find key information about your policy, with full information found in your policy handbook.

• Complete £15k Insurance product information document (IPID)

• Regular £7k Insurance product information document (IPID)

• Regular £5k Insurance product information document (IPID)

• Value £4k Insurance product information document (IPID)

• Value £3k Insurance product information document (IPID)

• Value £2k Insurance product information document (IPID)

• Pre-existing Insurance product information document (IPID)

• Death of your pet optional extra Insurance product information document (IPID)

• Travel cover optional extra Insurance product information document (IPID)

• Missing or stolen optional extra Insurance product information document (IPID)

• MoneyBack Insurance product information document (IPID) - no longer on sale

• Fixed for life Insurance product information document (IPID) - no longer on sale

Insurance product information document (IPID) for policies starting on or after 1 January 2024

You'll find key information about your policy, with full information found in your policy handbook.

• Complete £15k Insurance product information document (IPID)

• Regular £7k Insurance product information document (IPID)

• Regular £5k Insurance product information document (IPID)

• Value £4k Insurance product information document (IPID)

• Value £3k Insurance product information document (IPID)

• Value £2k Insurance product information document (IPID)

• Pre-existing Insurance product information document (IPID)

• Moneyback £7k Insurance product information document (IPID) - no longer on sale

• Moneyback optional extra Insurance product information document (IPID)

• Fixed for life Insurance product information document (IPID) - no longer on sale

Complete 15k documents

Policies starting or renewing between 4 June 2023 and 31 December 2023

• Policy document

• Insurance product information document (IPID)

Policies starting or renewing between 1 April and 3 June 2023

• Policy document

• Insurance product information document (IPID)

Policies starting or renewing between 1 January and 31 March 2023

• Policy document

• Insurance product information document (IPID)

Regular 7k documents

Policies starting or renewing between 4 June 2023 and 31 December 2023

• Policy document

• Insurance product information document (IPID)

Policies starting or renewing between 1 January and 3 June 2023

• Policy document

• Insurance product information document (IPID)

Regular 5k documents

Policies starting or renewing between 4 June 2023 and 31 December 2023

• Policy document

• Insurance product information document (IPID)

Policies starting or renewing between 1 January and 3 June 2023

• Policy document

• Insurance product information document (IPID)

Value 4k documents

Policies starting or renewing between 4 June 2023 and 31 December 2023

• Policy document

• Insurance product information document (IPID)

Policies starting or renewing between 1 January and 3 June 2023

• Policy document

• Insurance product information document (IPID)

Value 3k documents

Policies starting or renewing between 4 June 2023 and 31 December 2023

• Policy document

• Insurance product information document (IPID)

Policies starting or renewing between 1 January and 3 June 2023

• Policy document

• Insurance product information document (IPID)

Value 2k documents

Policies starting or renewing between 4 June 2023 and 31 December 2023

• Policy document

• Insurance product information document (IPID)

Policies starting or renewing between 1 January and 3 June 2023

• Policy document

• Insurance product information document (IPID)

Pre-existing documents

Policies starting or renewing between 4 June 2023 and 31 December 2023

• Policy document

• Insurance product information document (IPID)

Policies starting or renewing between 1 January and 3 June 2023

• Policy document

• Insurance product information document (IPID)

MoneyBack (product) documents

Our MoneyBack policy is no longer on sale. MoneyBack can now be purchased as an added option on our Value 3k, Value 4k, Regular 5k, Regular 7k and Complete policies.

Policies starting or renewing between 4 June 2023 and 31 December 2023

• Policy document

• Insurance product information document (IPID)

Policies renewing between 1 January and 3 June 2023

• Policy document

• Insurance product information document (IPID)

Our MoneyBack policy is no longer on sale. MoneyBack can now be purchased as an added option on our Value 3k, Value 4k, Regular 5k, Regular 7k and Complete policies.

MoneyBack (optional extra) documents

Policies starting or renewing between 4 June 2023 and 31 December 2023

• Insurance product information document (IPID)

Policies starting or renewing between 1 January and 3 June 2023

• Insurance product information document (IPID)

Our MoneyBack policy is no longer on sale. MoneyBack can now be purchased as an added option on our Value 3k, Value 4k, Regular 5k, Regular 7k and Complete policies.

Fixed for Life policy documents

Policies starting or renewing between 4 June 2023 and 31 December 2023

• Policy document

• Insurance product information document (IPID)

Policies renewing between 1 January and 3 June 2023

• Policy document

• Insurance product information document (IPID)

Liability only documents

Our Liability Only policy will no longer be available to renew from 1 April.

Policies renewing between 1 January and 1st April 2023

• Policy document

• Insurance product information document (IPID)

Key exclusions to be aware of

We recommend reading our policy documents but we've pulled out a few things we think you should know about our pet insurance.

• Our multi-pet insurance discount of up to 15% when you cover multiple pets. (Our multi-pet discount is not currently available on our Value 2k policy).

• We are unable to pay vet fee claims incurred within the first 14 days of your policy and we cannot pay accident claims from the first 48 hours. However, this waiting period does not apply to customers renewing their existing policy or customers switching to our cover from a different insurer with no gap in their cover

• Our Pre-existing policy does not cover anything your pet is currently having treatment for or any condition your pet has had treatment or advice for in the 3 months before the policy starts. All of our policies cover conditions that your pet has not needed treatment or advice for in at least 2 years.