Why has my premium gone up at renewal?

When we calculate your pet’s premium, we mainly look at three things.

1.  Your pet’s age

Just like humans, our pets need more medical care as they get older — and they age much faster than we do! That’s why you can expect their insurance to cost more as the years go on.

Some breeds tend to develop certain conditions over their lifetime. As we learn more about these conditions, we update our breed data, which will affect the premiums you pay.

2.  Higher inflation

Cost increases generally for vets, insurers and everyone involved in your pet's care, result in higher fees. So, as with all insurance providers, we have to adjust your premium to cover those higher costs.

Availability of new, more sopshisticated treatments to help take care of your pets also tend to cost more, which is passed on to us and you.

3.  Your claims

If your pet has needed medical treatment this year, it could mean they’ll need it again. This risk means your renewal price could be affected — though we try and limit any increases as much as possible.

The good news is, as long as you renew their policy and don't cancel, they’ll still have the same lifetime vet fee limit. Want to know more about lifetime cover from ManyPets? Check out our handy guide.