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.
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 – Pre-Existing - This policy can cover Pre-existing conditions that occurred in the two years before your policy starts. Any conditions that occur in the three months before your policy starts are covered once they have been free from treatment, medication or advice for at least three months. The policy offers £1,500 of vet fee cover for the first two years for Pre-existing conditions and £7,000 for new conditions. If you haven't claimed for any Pre-existing conditions in the first two years you'll receive £7,000 of cover in the third year.
Complete – One of the most comprehensive pet insurance policies on the market. It includes a vet fee limit of £15,000, dental cover for illness as standard, £6,000 if the pet is ever lost, stolen or passes away, 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.