Pet insurance

Fetching your pet insurance quote

Enjoy peace of mind and more with our award-winning pet insurance.

  • Up to £15,000 of lifetime cover
  • Unlimited, 24/7 video vet calls with FirstVet at no extra cost
  • Extra pet perks worth up to £500. Terms apply *
4.3 | 761
4.3 out of 5
Read more reviews at Feefo

Award-winning insurance

Voted Pet Insurance Provider of the Year in the 2024 Moneyfacts Consumer Awards; Winners of the Feefo Platinum Trusted Service Award 2023; Awarded 5 stars by Fairer Finance 2024.


The pros of pet insurance

Life with a pet is full of unexpected moments. They eat things they shouldn’t, are forever getting into trouble and, just like us, can’t help but get sick from time to time.

That’s where pet insurance has your back. A pet insurance policy covers the cost when your cat or dog has an accident or falls ill – so you can get them the treatment they need without worrying about pricey vet bills.

Pet insurance to help you, help them

Built by listening to thousands of pet parents, our policies have the needs of you and your furry best friends at heart. Get a pet insurance quote today for your cat, dog or multi-pet pack.

Cat insurance

Quality cat cover with unlimited, 24/7 video vet calls

Multi-pet insurance

Up to 15% discount on multi-pet mix-and-match plans.
Dr Kirsten Rongrenn

What vets really think about pet insurance

Hearing the words ‘they’re insured’ from a pet owner is such a relief to us as vets. It means we both know that the cost of treatment becomes a less significant barrier in major medical decision making. Our choices get to be made primarily on what we all agree is best for the pet.

Why pick ManyPets pet insurance?


Lifetime policies

Up to £15,000 of vet fee cover that renews every policy year.

Heart with arrow around it

Pre-existing conditions

All of our policies cover conditions that haven’t needed treatment, medicine or advice for two years. Our Pre-existing policy can cover conditions that ended less than two years ago


Dental illness cover

Included with our Complete pet insurance policy as part of your £15,000 vet fee limit – one of the highest levels of dental cover in the UK.

Two speech bubbles, one with a play symbol and the other with a vet

Unlimited, 24/7 video vet calls with FirstVet

Get advice from a UK-registered vet on your phone, day or night at no extra cost. No excess, no impact on your renewal price.

Pet perks

Access exclusive pet health extras worth up to £500, including discounted flea, tick and worming treatment, an offer on pet-sitting membership and much more. Offers may change at any time. Terms apply*

cell phone with money sign

MoneyBack optional extra

Pay a little more for your policy and get 20% of your premium back at renewal if you haven’t needed to make a claim.

Kitten being held and grabbing onto finger

This is what I call excellent customer service

Quick and easy to make a claim. Claim paid the following day. Exceptional service. Very happy customer and cats.

The perks of our pet insurance

We always want to be there for you and your furry friend, even when you don’t need to claim on your pet insurance. That’s why we offer a range of pet perks worth up to £500 with every policy. Here’s what you can get your paws on. Offers may change at any time. Terms apply*.

Free petsitters

A year’s free TrustedHousesitters membership, worth £99. Offer ends 31/08/24. Terms apply*


Preventative pet care

Get discounted flea, tick and worming preventative treatment.

Special offers

Enjoy exclusive savings on pet treats, accessories, DNA tests and more.


What is lifetime pet insurance?

We know that your pet is a bona fide furry member of the family. They’re your therapy, your mood-booster, your happiness. So why would we ever want you to risk them running out of cover when they need it?

That’s why we only do lifetime pet insurance policies here at ManyPets.

It just means that whatever level of cover you choose, it’ll refresh each year when you renew your policy. You can claim up to the full vet fee limit every year and we’ll continue to provide cover for conditions your pet may develop during their lifetime.

So even if one year your pet needs treatment that costs an arm and a hind leg, you’ll still have the same amount of cover to fall back on after your policy renews.


How much does pet insurance cost?

Among other factors, the cost of your pet insurance in the UK will depend on:

  • Your pet’s breed

  • Their age

  • Where you live

  • How much your paid for your pet

  • Any pre-existing medical conditions they have

  • The policy you pick

The only way to know for sure is to get a pet insurance quote. Luckily, it only takes a few minutes.

Compare our pet insurance policies

We’ve got a range of pet insurance policies with cover up to £15,000. See how they stack up and pick the one that’s right for you – or give us a call for more options.

Complete Regular Pre-existing Value
Policy details
Vet fee cover £15,000 £7,000 £7,000 £3,000
Dental cover Accidents and illness Accidents only Accidents only Accidents only
Pre-existing conditions cover
Cover for conditions that ended 2 years ago
Cover for conditions that ended 2 years ago
Cover for conditions that ended 2 years ago
Unlimited 24/7 video vet calls at no extra cost
Extra pet health perks *Terms apply

What does our pet insurance cover?

Pet insurance is there to cover the cost of unexpected vet bills when your pet has an accident or falls ill. That can include:

Vet visits

Any consultation or examination that isn’t a routine check up.

pill treatment fleas


Medications and surgery recommended by a vet, depending on your chosen policy.


Diagnostic tests

Including blood, urine or stool tests, plus any scans like X-rays, MRIs and CT scans.

But that’s not all we cover

There’s more to our pet insurance than just veterinary treatment. We’ll also cover you for:

Missing pet

We’ll help with the cost of finding a lost or stolen pet with our Complete policy. You can add this as an option to our other policies.

Third-party liability

All of our policies include cover for if someone takes legal action against you and your dog.


Overseas travel

You can add cover for vet fees while you’re travelling abroad with your pet as an option with some of our policies. It’s included as standard on our Complete policy.

small pink house with cross on it

Emergency pet care

All our policies have some cover for looking after your pet if you have an unplanned hospital stay.

We provide cover where some others won’t

Pre-existing conditions

All of our pet insurance policies cover conditions that haven’t needed any treatment, medication or advice for two years or more. We also have a dedicated Pre-existing policy for pets that can cover more recent conditions. 

Dental treatment

Our Complete pet insurance policy covers dental accidents and illness, as long as your pet’s had a dental check-up within the last twelve months, and you’ve followed any dental treatment recommended by a vet within six months. All our other policies cover dental accidents. 

Behavioural cover

We’ll cover behavioural treatment that’s needed as a result of an accident or injury when recommended by your vet.

Complementary treatments

If your pet is referred by a vet for hydrotherapy or another complementary therapy, you have cover within your vet fee limit. The level ranges from £500 to £2,500 depending on your policy.

Emergency vet care

We’ll cover any necessary out of hours treatment up to your vet fee limit, with no limits or exclusions, unless your vet advises that your pet can wait.


Pet insurance doesn’t usually cover pregnancy complications, but some of our policies will cover them in a first pregnancy only, after you’ve had your policy for six months.

What doesn’t pet insurance cover?

Pet insurance is for the unexpected – so it can’t cover you for the cost of routine vet trips like:

Vet petting dog and cat

Save on preventative care

The ManyPets Preventative Pet Care

  • Discounted flea, tick and worming treatment, exclusively for ManyPets members.
  • Safe, proven, non-prescription parasite treatment.
  • Free monthly delivery through your letterbox.

The ManyPets reviews are in

You don’t just have to take our word for it about our pet insurance. Here are just a few of the thousands of five-star reviews ManyPets members have written about our cover on Feefo.

5 out of 5
Feefo independent customer feedback

“It's so easy with ManyPets”

It's so easy to use their service, everything online, and if it's not going to be immediate they tell you at the beginning. I can sleep at night because of them and my dog has had 2 cruciate ligaments done!

Jackie – Barnstaple
5 out of 5
Feefo independent customer feedback

“Great service, first-class employees”

The claim process is straight forward and the employees were really helpful. Phone calls were handled quickly and with empathy.

Liz – Wetherby
5 out of 5
Feefo independent customer feedback


Website is very easy to use and went through getting a quote really easily. Looked at other insurance companies but this one offered exactly what I wanted at a very competitive price.

Jacqui – London

Pet insurance FAQs

All the questions you’ve ever wanted to ask about pet insurance.

How does pet insurance work?

When you take out a pet insurance policy, you’ll pay an annual or monthly premium to a pet insurance provider that’s bespoke to you and your pet. If they have an accident or fall ill, you can claim on your policy to cover the costs of any veterinary bills.

Although there are many types of pet insurance policy available, at ManyPets we only offer lifetime policies. That means whatever vet fee limit you pick, it’ll refresh each year when you renew your policy. You can claim up to the full vet fee limit every year and we’ll continue to provide cover for conditions your pet may develop during their lifetime.

A pet insurance policy will also usually cover some costs if your pet is lost or stolen, passes away, or has legal action taken against them.

How do I get a pet insurance quote?

Getting a pet insurance quote is easy. All you need to tell us is:

  • Your details and address

  • Your pet’s age

  • Your pet’s breed

  • Your pet’s gender

  • Your pet’s name

  • The price you paid for your pet

  • Your pet’s neutered status

Is pet insurance worth it?

Self-insurance is when people put money aside to cover potential vet costs rather than paying for an insurance policy.

The risk with it is that you don't know when your pet might need treatment and how much it will cost.

If you've only been saving for a few months and your pet has an expensive operation it's unlikely you'll have enough set aside. And if your cat or dog needs regular treatment it can quickly chip away at any savings.

If you have a lifetime pet insurance policy your vet fee limit will reset every year you renew. Our Complete policy would give you £15,000 of cover every year.

Even common issues like cuts and vomiting can cost hundreds of pounds to treat and more serious conditions can easily cost thousands. This is why many people choose to insure their pets.

What type of pet insurance is right for me?

If your pet hasn’t needed vet treatment, medicine or advice for a condition within the last two years, any of our Complete, Regular or Value policies will be suitable for them.

Our Pre-existing policy can provide cover for a pet that’s had a more recent health issue. We’ll cover a condition as long as your pet’s been free from treatment, medicine or advice for three months.

Does pet insurance cover vaccinations?

No, vaccinations aren’t covered by pet insurance because they’re classed as routine procedures.

Expert pet health and insurance guides

Our library of articles can help you with everything from the costs of taking on a new cat or dog, to the best way to tackle fleas.