Award-winning cover owners love
Cat and dog owners voted us Pet Insurance Provider Of The Year again in the 2022 Moneyfacts Consumer Awards and we’ve received over 20,000 5-star Feefo reviews in the past 12 months.
Pet insurance, but better
Pet insurance wasn’t working for owners before we launched our policies. So we set out to create cover that's designed to be used and includes things that not every other pet insurance provider offers.
These are just a few of the things that put us ahead of the pack:
- Our unique MoneyBack option that gives back 20% of your premium at the end of your policy year if you haven't needed to make a claim.
- A no-excess option on our Regular policies so you won't need to pay anything towards any claims you make
- Our Complete policy is one of the most comprehensive in the UK. It has £15,000 of lifetime vet fee cover, dental illness cover as standard and high limits for loss and theft
- Our policy documents are easy to read and our simple online claims process doesn’t have any forms. Find out how our claims work
- All our policies cover conditions that ended two years ago and we have a Pre-existing policy that can cover more recent conditions
We want to help your pet have a long happy life, so we offer more than insurance. When you join us you'll also get:
- Unlimited free vet video calls through FirstVet
- A discount on flea and worming treatment delivered to your door by VetBox
- Free petsitting with a year's free membership to TrustedHousesitters
We want to make the world a better place for pets and their parents. Every day we obsess about getting things right for customers.
Our cover is different
Simple claims
Claim online with no paper forms. We’ll update you on its progress.
Video vet service
Unlimited free online video consultations with a qualified vet, night or day.
Quality cover
All policies cover conditions that ended two years ago and one policy can cover more recent conditions.
MoneyBack option
20% of your premium paid back if you don’t need to make a claim.
Why pet insurance is important
Our cats and dogs are family, but there's no NHS to look after them when they're ill or injured.
That's where pet insurance comes in. When you've got the right cover you'll have the peace of mind of knowing you'll be able to get them the treatment they need without facing a sudden and unexpected vet bill.
It's not just vet treatment that's covered. Pet insurance can also cover lost or stolen pets, third party liability if someone sues for damages caused by your dog and even cover to take care of them if you need an unexpected hospital stay.
The service they provide is brillliaaant!
The reviews were great and the cover was better than any other I could find. We’ve used the policy for the video vet call when Shirley had a lump on the back of her neck, it was so quick and easy.
How much cover do I need?
Vet bills can be more expensive than you think.
Even treating something as simple as a bite abscess on your cat can cost a few hundred pounds after several vet trips. A complicated surgery like a hip replacement for your dog can cost in excess of £5,000. Your vet might be able to tell you more about how much conditions can cost.
Think about the age and breed of your pet, and choose a cover limit that gives you peace of mind.
Always think about how much you'd like to cover and whether you'd be able to pay any of the cost yourself if you had to. Our Complete policy has up to £15,000 vet fee cover and it'll even cover dental illnesses.
Our popular policies for cats and dogs
Dog Insurance
Up to £15,000 of lifetime vet fee cover.
Cat Insurance
Policies from £3,000 to £15,000 of vet fee cover.
Multi-pet Insurance
15% multi-pet discount for pets on the same policy.
Understanding the types of pet insurance
There are four main types of pet insurance and they're not all equal:
- Accident only – Only covers accidents like broken bones or eating something harmful. These policies won’t cover any illnesses so although they’re the cheapest, they’re very limited.
- Time-limited – Covers each condition for 12 months. After that the condition won’t be covered and you’ll have to pay for any more treatment yourself.
- Maximum benefit – Sometimes called ‘per condition’. You’ll have a certain amount of cover for each condition your pet has. Once you reach the limit, you’ll have to pay for any more treatment for that condition yourself.
- Lifetime – There’s an annual vet-fee limit that refreshes each year when you renew. As long as you keep renewing your policy, each condition will be covered for your pet’s entire life, up to that annual limit.
We don't want your cover to run out while your pet still needs it, so all our policies are lifetime pet insurance.
That means there's an annual vet fee limit that refreshes each time you renew your policy – it's the best type of cover for ongoing or chronic health conditions.
Our pet insurance policies
Compare some of our policies. More options available by phone.
| 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 | £500 (year 1) £1,000 (year 2) | Cover for conditions that ended 2 years ago |
| FirstVet - online vet video calls | ||||
| Pet house sitter membership | free | free | free | free |
How to compare pet insurance
Follow these steps to compare pet insurance and choose the right policy for you and your pet:
1. Check the type
Make sure you compare like-for-like when you’re shopping around for pet insurance.
There are four main types of pet insurance (accident only, time-limited, maximum benefit and lifetime). Some types cover a lot less than you might think.
We only offer lifetime pet insurance with an annual vet fee limit that refreshes each year so that you won't run out of cover while your pet still needs us.
2. Check the vet fee limit
Some pet insurance has a very low limit, perhaps as little as £1,000 per year. You could easily hit that limit with just one or two trips to the vet. Once you’ve reached your policy limit you’ll have to pay for any more treatment yourself.
The most comprehensive pet insurance policies have very high levels of cover. Our Complete policy covers up to £15,000 in vet fees a year.
3. Look at what else is included
A policy might look like good value with a high enough vet fee limit, but double check what’s included. Some features might be options that you pay extra for, or they might not be available at all.
Cover that’s sometimes excluded or only offered at an extra cost includes:
- Third-party liability cover for dogs
- Cover for travelling abroad
- Cover that can help if your pet is lost or stolen
- Dental cover for illnesses
Our Complete policy has all of these features as standard. Along with a £15,000 vet fee limit and unlimited video vet calls, that makes it one of the most comprehensive pet insurance policies in the UK.
4. Find policies that work for you
We offer options and features that others don't:
- Pre-existing policy – Cover for recent conditions. And all our policies cover conditions that ended two years ago.
- No-excess option – Pay no excess towards any claims you make.
- MoneyBack option – 20% of your premiums back if you don’t need to claim.
- Immediate cover – If you switch to us from another pet insurance provider.
- Multi-pet discount – A discount for cats and dogs on the same policy.
The best service!
I put a claim in online and couldn’t believe it when it was settled in less than 24 hours!
No quibbles, just fantastic service!
What makes the best pet insurance?
With pet insurance, the cheapest policy isn’t necessarily the best.
Top-level policies will cost a bit more but will give you greater peace of mind that your pet will be really well looked after if they're injured or unwell.
The most comprehensive pet insurance policies should offer:
- A very high level of vet fee cover
- Dental cover for illnesses, as well as accidents
- Behavioural treatment
- Complementary therapies
- Cover to help find your pet if they're lost or stolen
- Third party liability cover for dogs as standard
- Cover while you travel abroad with your pet
Our Complete policy has all this and more:
- £15,000 vet fee cover
- Dental cover for accidents and illnesses up to your vet fee limit
- Cover for behavioural treatment if your vet refers you
- Complementary treatments covered up to £2,500 within your £15,000 vet fee limit
- Third party liability for dogs
- £2.500 cover for travelling abroad
These are all standard with Complete – you won't be charged for any of these as optional extras.
And on all our policies you'll also get:
- Unlimited access to video vet calls
- Free petsitting for a year through TrustedHouseSitters
- Discounted flea, tick and worm treatment from VetBox
What do I need to get a quote?
It’s super quick to get a quote. We’ll need to know:
- Your pet's name
- Your pet’s gender
- The breed of your pet and whether they're a pedigree, mixed breed or crossbreed
- The age of your pet. If you don’t know exactly you can give the year and month based on a vet’s estimate
- Whether your pet has been spayed or neutered
- Whether you want to see our policy that covers pre-existing conditions. All our policies cover conditions that ended at least two years ago, but we have a policy for more recent issues
- How much your pet cost
ManyPets Reviews
We publish all our policy and claims reviews on our Feefo page. Here are some of the thousands of five-star ratings.
“Thanks ManyPets!”
Many pets is just the best! Fast efficient and professional. I feel so grateful and more relax knowing I have them for my pup's health!
“Many Pets = Happy Pets = Happy Owners”
Easy claims procedure fast payout. Friendly helpful customer service. Customer advisor was genuinely concerned about my pets condition and very caring when dealing with my enquiry.
“Brilliant”
They are absolutely brilliant. Excellent customer service, compassionate, reasonable rates, easy to file claims. I would recommend to anyone who needs pet insurance.
“Sympathetic supportive and speedy”
The staff on the phone are sympathetic, helpful and positive. The response to claims is always positive – never a quibble. My younger dog was very ill last year requiring two surgeries and hospitalisation – £13,000 without quibbling. I recommend Many Pets to everyone I know with pets.
“Dogs best Friend”
Always there when I need them and providing an excellent service for Hugo.
We care about customers
ManyPets is committed to treating customers fairly. You can pay monthly at no extra cost and there are no charges for cancelling or changing your details.
If you have any questions or you’d like to get a quote over the phone you can call our UK customer service team on 0345 340 4090.
We take the stress out of claiming by contacting the vet for you. Our online claims service has received thousands of five-star reviews and we paid more than £48m in 2020 to help cats and dogs when they needed it most.
Expert pet care and insurance guides
Our library of articles can help you with everything from understanding lifetime cover to feeding a raw diet.
Frequently asked questions
We answer the most common questions about pet insurance.
What does pet insurance cover?
- Veterinary fees – The amount you’ll get towards the fees will depend on the level of cover you choose
- Third party liability – Many pet policies also cover you against third party liability if your pet causes damage or injury. This can be especially useful for larger dogs. Third party liability isn't available for cats.
- Dental work – Most policies include treatment for dental accidents. Some comprehensive policies cover dental illness, usually with a fee limit
- Other cover features – Depending on the policy or extras you have you may have cover for loss, theft or death; emergency minding; travel abroad and more
What isn't covered by pet insurance?
Pet insurance is designed to cover unexpected vet treatment related to accidents or illness, which means it won’t cover things classed as routine or cosmetic treatments such as:
- Neutering
- Grooming
- Vaccinations
- Flea treatments
- Wormers
- Nail clipping
Does pet insurance cover pre-existing conditions?
All our policies cover conditions that ended at least two years ago and we have a policy that can cover more recent conditions. It’s called Pre-existing and is available for pets under nine and covers conditions that ended at least three months before your policy starts. Most other companies don't cover pre-existing conditions.
Is pet insurance compulsory?
Pet insurance isn't compulsory but many owners choose it to cover their pet for expensive vet bills.
Is pet insurance worth it for older dogs?
Dogs are more likely to need vet treatment as they get older and pet insurance can cover some of those costs. Not all providers cover older dogs but we have policies that can cover pets of any age and will pay for conditions that ended at least two years ago. If you choose lifetime insurance while your dog is young it means conditions it develops will continue to be covered each year you renew.
Will it affect my price if my pet is spayed or neutered?
Yes, whether your pet is neutered or spayed is one of the factors we and many pet insurance providers use to decide your price.
What is lifetime cover?
Lifetime pet insurance refers to policies that have a vet fee limit that resets each year you renew. You can claim up to the full vet fee limit every year and they provide continued cover for conditions your pet may develop during its lifetime. Find out more about how lifetime pet insurance works.
What is the excess?
The excess is the amount of the claim you cover and it is usually deducted from the payout for your claim. If your pet is under nine we offer a choice of excess and unlike many other insurance providers we only take an excess once a policy year rather than on every claim. The excess helps keep the cost of your premium down.
Are check ups covered?
Routine treatments and appointments such as check ups are not covered by insurance.
Are blood tests covered?
Diagnosis of conditions can be covered by your policy so if your vet needs a blood test to find out what’s wrong then you can claim for it.
How is pet insurance calculated?
The price of your policy is calculated based on a number of factors including the breed and age of your pet, where you live and the level of cover you choose. If you want to see your price it’s easy to get a quick quote.
Can I have more than one pet insurance policy?
Some policies have terms that state they might not pay a claim if you have more than one policy. If you’re considering overlapping policies when switching providers you don’t have to do that when you move to our cover. If you switch straight from another provider with no gap in cover there is no waiting period for claims.