Manypets – what vets need to know

Here's a quick guide to ManyPets (the new name for Bought By Many) pet insurance that covers some of the questions vets and owners have asked us.

• All of our pet insurance policies offer lifetime cover. We have a range of unique options, including cover for pre-existing conditions, and our Complete cover has £15,000 of lifetime vet fee cover.

• We've made things easier for vets and owners. Our policy documents are easy to understand and we don't use claim forms.

Our Pre-existing policy can cover recent conditions.

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We've also launched Many Nurses Club for vet nurses that offers free CPD and other exclusive offers.

We launched Bought By Many pet insurance for cats and dogs in 2017 and became ManyPets in 2022. We now cover hundreds of thousands of pets.

Pet insurance policies purchased or renewed before 1 January 2023 are underwritten by Great Lakes Insurance SE. Policies bought or renewed from 1 January 2023 are underwritten by Wakam SA.

We create everything from scratch. So all of our policies are lifetime and all our policies cover conditions that ended at least two years ago. Our policy documents are in plain English and we don't use complicated claims forms.

We can pay owners or vets directly.

Customers love what we're doing, we have thousands of five-star reviews and we've been voted Pet Insurance Provider of the Year in the MoneyFacts Consumer Awards for the last two years in a row.

ManyPets’ unique policies

Check out our policy summary and policy documents to see everything we offer in detail. Customers can choose between these policies, we don’t offer all unique features under one policy.

Here's a brief overview of what we offer:

• Pre-Existing – Our pre-existing policy covers pre-existing conditions as long as your pet hasn't had any signs or symptoms, or needed treatment, medication or advice for that condition for at least three months. The policy offers £1,500 of vet fee cover for pre-existing conditions, and once we cover a pre-existing condition, we will continue to cover it no matter how often treatment is needed. If after two years you haven’t needed any treatment, medication or advice for a pre-existing condition, and there have been no signs or symptoms, it will no longer be classed as pre-existing and you can use your full £7,000 vet fee limit if needed.

• Complete – One of the most comprehensive pet insurance policies on the market. It includes a vet fee limit of £15,000, dental cover for accidents and illnesses, £6,000 if the pet is ever lost or stolen, £300 contribution towards euthanasia, burial and cremation costs, a £2,000 limit for emergency minding, and more.

Lifetime insurance covers vet fees up to the stated limit every year. So long as the policy is renewed each year, the level of vet fees will reset to the full stated limits that the policy started with.

With a lifetime product, it is important to note that premiums can increase each year at renewal.

• Regular – We have a Regular policy that offers the choice of a £0 excess and has a yearly limit of £7,000 for vet fees.

• Value – This is our most affordable pet insurance. We have a few versions including one with £3,000 of lifetime vet fee cover a year.

What our claims procedure means for vets

We were the first pet insurance provider to offer fully online claims.

Customers can quickly make a claim by logging into My Account.

We ask a handful of questions and once we have that information we can get in touch with the vet to find out about the treatment and costs and arrange a payout if the claim is successful. We can pay vets directly.

We do not require vets to fill out a claims form and we may ask for details over email. We’re aware that delays in claims procedures can often cause cash flow problems for vets, which is why we’ve optimised our claims procedure to reduce waiting times.

Vet claims pre-authorisation

We don't offer pre-authorisation on vet fee claims at present. Although we are aware it's something vets are asking for.

Pet insurance for vets

Many vets have got in touch about (and chosen!) our cover so here are answers to their most common questions.

Do vets get a discount?

We don't offer discounts to any customers. Instead, we have a policy of making pricing fair for everyone.

However, we have launched Many Nurses Club for vet nurses where we're working on introducing a scheme that will give vet professionals a voucher if they choose our cover. Join here to find out more.

Can I treat my own pet if I have your cover?

Yes. We know many professionals feel comfortable treating their own pet so that's fine with us. We just ask that all charges are in line with your practice pricing policy. For example, if staff get a discount, the discounted rate should be charged for the claim – not the standard higher price for clients.

Is my pet covered if I take it to work at a practice with me?

Our public liability cover does not cover pets in practices. So if your pet caused an accident or injury we wouldn't cover that. But check with your practice because their business insurance might offer you protection.

£15,000 a year vet fee cover with our Complete policy.

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