Award-winning cover owners love

Cat and dog owners voted us Pet Insurance Provider Of The Year in the 2021 Moneyfacts Consumer Awards and we’ve received over 20,000 5-star Feefo reviews in the past 12 months.

Which dog insurance
Feefo Platinum Trusted Service Award
Moneyfacts Consumer Awards 2021 Pet Insurance Provider of the Year
Fairer Finance 5 Star Pet Insurance 2022 - Rated by Experts
Dog with a collar being held on a leash

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.
Steven Mendel, CEO

Our Cover is Different

We listened to thousands of cat and dog owners to create the policies they wanted. Everything about our cover is designed to be better for you.
A document with a pound symbol and a tick

Simple claims

Claim online with no paper forms. We’ll update you on its progress.

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

Video vet service

Unlimited free online video consultations with a qualified vet, night or day.

A dial set to maximum

Quality cover

All policies cover conditions that ended two years ago and one policy can cover more recent conditions.

A mobile phone with a fast looking dollar symbol

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.

Kate Lawler holding a pair of dogs

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

Choose from policies we've designed to meet the needs of pet owners
Dog sitting

Dog Insurance

Up to £15,000 of lifetime vet fee cover.
Cat sitting

Cat Insurance

Policies from £3,000 to £15,000 of vet fee cover.
Cat and Dog sitting together

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:

  1. 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.

  2. 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.

  3. 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.

  4. 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.

Policy details
Vet fee cover£15,000£7,000£7,000£3,000
Dental coverAccidents and illnessAccidents onlyAccidents onlyAccidents 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£99/yr
Kitten being held and grabbing onto finger

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.

5 out of 5
Feefo independent customer feedback

“Choose ManyPets!”

I absolutely love ManyPets. Excellent Service, Great value for money and i always receive my refunds for vet bills within 24-48 hours! LOVE THEM!

5 out of 5
Feefo independent customer feedback


I have never experienced any issues in. Any of the claims I have made. So easy to claim and fair with the excess you have to pay compared to another well known insurance company

5 out of 5
Feefo independent customer feedback

“Cutlery retrieve”

Sully needed emergency surgery at 1am. ManyPets sorted the claim efficiently and took away any worries, my Ridgeback puppy had stolen my granddaughters supper jacket potato plus the cutlery.

5 out of 5
Feefo independent customer feedback

“First-class service”

Absolutely no problems at all. They dealt directly with orthopaedic vets. We had to do nothing. Refreshingly brilliant service. Huge thanks to ManyPets!

5 out of 5
Feefo independent customer feedback

“Great product at a great price!”

Very competitive and so easy to deal with. Great reviews from existing customers!

5 out of 5
Feefo independent customer feedback

“Simply the best”

I have had various pet insurance in the past but find ManyPets to be the best all round. Never had a problem with any claim and very prompt payment. If I needed to speak in person with an advisor they have always been first class in resolving any queries.


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.

Policies like time-limited cover can be difficult to understand and may not provide cover for conditions year after year. That's why all of our policies offer lifetime cover, so your vet fee limit will reset to the full amount each year you renew with us.

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.

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 calledPre-existingand 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 abouthow 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 such as the breed and age of your pet, where you live and the level of cover you’re looking for. If you want to see your price it’s easy to get a quick quote. Or you can find out more about thecost of dog insurancehere.

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.

Expert pet care and insurance guides

Our library of articles can help you with everything from understanding lifetime cover to feeding a raw diet.