Why has my premium gone up at renewal?

Last updated 3 months ago - 1 min read

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.

Have more questions?

Claiming online

Claiming online is easy, log in to My Account, select the policy you would like to make a claim against and upload your invoices, we’ll do the rest.

Make a claim

Unlimited vet support

All our customers with vet fee cover can get unlimited, 24/7 online vet advice. We give you unlimited online access to UK-registered vets, so that you can get fast, expert advice if your pet looks unwell or has an injury.

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