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£7,000
You'll have a £7,000 vet fee limit that includes £1,500 for pre-existing conditions.
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£1,500
Your £1,500 for pre-existing conditions will cover anything that occurred in the past two years before your policy start date.
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3 months
The pre-existing condition(s) will need to be free from treatment, medication or advice for 3 months before your policy start date before we can cover it.
2 years
If, after two years, you haven’t needed any treatment, medication or advice for a pre-existing condition it will no longer be classed as pre-existing and you can use your full £7,000 vet fee limit.
Lifetime
Once we cover a pre-existing condition, we will continue to cover it no matter how often treatment is needed.
Excess from £69
We offer a choice of excess options so that you can pick what’s right for you and your pocket.
We know not all pet insurance is up to scratch. We listened to pet owners to design plans and customer service they couldn't find elsewhere.
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All our plans cover conditions that ended more than 2 years before your policy starts. Our dedicated Standard Care pre-existing plan can cover conditions that ended 3 months before your policy starts.
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Access Perks, including 30% off pet food, discounted flea & worm treatment, 30% off DNA tests and much more.*
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No 14-day waiting period to claim if you switch to us from another pet insurer you have been with for 12+ months.
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Submit online in just a few minutes through your ManyPets account.
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Speak to a UK-registered vet anytime - perfect for late-night worries or quick advice
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Stay updated with real-time tracking in your My Account dashboard
Thousands of pet owners voted us Pet Insurance Provider Of The Year in the 2025, 2024, 2022 and 2021 Moneyfacts Consumer Awards.
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We answer the most common questions about pet insurance.
It's common for pet insurance companies to not cover recent conditions. However, at ManyPets, we have a Standard Care Pre-Existing plan that provides £1,500 of cover for conditions that ended 3 months ago, as part of an overall £7,000 vet fee limit.
This plan could be right for you if:
You didn’t have pet insurance before and your cat or dog has been poorly in the last two years.
You previously had a time-limited pet insurance policy and your pet's condition is no longer covered.
You previously had a lifetime pet insurance policy and made a claim. You want to switch your cover to ManyPets (good choice!) but you don’t want to be left with no cover for your pet’s pre-existing conditions.
The Standard Care Pre-Existing plan won’t be right for you if:
The last time your pet had signs or symptoms, advice, medication or treatment was more than two years ago (all our other plans can provide cover for this).
Your pet's condition is ongoing (chronic)
Once your pet hasn't received treatment, medication or advice for a pre-existing condition for two years we will class this as a new condition. This means that the condition will be covered for vet fees for up to £7,000/year, instead of £1,500. If no other pre-existing conditions exist, you may choose to switch to a different plan that better suits your needs. You can call our customer service team to find out more.
It’s a misconception about puppies and insurance that you won’t have to worry about cover for pre-existing conditions because they’re too young to have been poorly in the past.
Sadly, dogs can develop an illness at any age and some pups will be born with health issues. And as soon as they’re noted by a vet on your puppy’s veterinary records, it’ll become a pre-existing condition for insurance if you don’t already have a policy.
That’s one of the reasons why we cover pups from four weeks old – we want you to have peace of mind from the moment they join your family.
But if a vet has already noticed a health condition in your pup before you have cover, the good news is we may still be able to cover it on our Standard Care Pre-Existing plan. The plan provides £1,500 of cover for conditions that ended (have had no signs or symptoms, treatment, medication or advice) 3 months ago, as part of an overall £7,000 vet fee limit.
When you make a claim, your insurer will ask your vet for your dog’s medical records, so they can see if they’ve had any previous injuries or illnesses.
*All our plans cover pre-existing conditions that ended more than 2 years before your policy starts. We have a Standard Care Pre-Existing Plan that provides £1,500 of cover for conditions that ended 3 months ago, as part of an overall £7,000 vet fee limit.
Perk offers subject to change.
Your excess is payable just once per policy year, if you need to claim. Excludes legal claims which has an excess payable per claim.
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