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Perk offers are subject to change. Terms apply.
Our Standard Care plan features
This mid-range plan is ideal for those who may not want our highest cover level Complete Care (from £15k to £20k) or lower cover level Essential Care (up to £5k). You can see all available plans when you get your quote.
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Dental accident & illness cover
Cover for dental accidents and illnesses, up to your vet-fee cover limit that includes crowns:quality(75)){kind=icon}
Lost or stolen
Up to £1,500 towards the cost of advertising and reward should your pet go missing. We also offer the highest reward cover in the market, covering 2x the original cost of pet:quality(75)){kind=icon}
Diagnostic tests
Up to £10,000, as part of your vet fee limit, for blood, urine or stool tests, plus any scans like X-rays, MRIs and CT scans.:quality(75)){kind=icon}
Complementary treatments
Up to £1,000 for supplements, hydrotherapy, physiotherapy, acupuncture, osteopathy, homoeopathy, herbal medicines and laser therapy as part of your overall vet fee limit:quality(75)){kind=icon}
Covers past conditions
We do not consider as pre-existing, any conditions that ended more than 2 years ago.Pet owners love our cover
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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Pre-existing cover
Benefit from pre-existing cover across all our plans for conditions that ended more than 2 years before your plan starts.:quality(75)){kind=icon}
Pay your vet directly
We can pay your vet directly as long as they agree:quality(75)){kind=icon}
Easy online claims
Easily submit your claim online & track its progress using My Account:quality(75)){kind=icon}
Access to great customer Perks
All plans with instant access to our Perks, including 2 months free flea tick and worming treatment, up to 30% off pet food and more. Terms apply ¹
Easy to switch to us
No 14-day waiting period to claim if you switch to us from another insurer you’ve been with for 12 months or more:quality(75)){kind=icon}
No upper-age limit
We can cover pets up to any ageCompare our lifetime plans
We’ve got a range of plans to suit your pet's needs, and your budget. Compare them below and pick the one that’s right for you.
| Essential Care | Standard Care Pre-existing | Standard Care | Complete Care | |
|---|---|---|---|---|
| Plan details | ||||
| Vet fee cover up to | £5,000 | £7,000 | £10,000 | £20,000 |
| Pre-existing conditions cover | Cover for conditions that ended 2 years before policy start date | Up to £1,500 cover for conditions that ended 3 months before policy start date | Cover for conditions that ended 2 years before policy start date | Cover for conditions that ended 2 years before policy start date |
| Excess | Once per year (not per condition, like many other insurers) | Once per year (not per condition, like many other insurers) | Once per year (not per condition, like many other insurers) | Once per year (not per condition, like many other insurers) |
| CT/MRI scan and cruciate ligament surgery | £1,000 | |||
| Dental illness & accident | Accidents only (Up to £1,000) | |||
| Complications from routine treatment | ||||
| Emergency boarding | £1,000 | £1,000 | £1,000 | £1,000 |
| Death of your pet | £500 | £1,500 | £1,500 | £6,000 |
| Missing or stolen (including advertising) | £500 (excluding replacement costs) | £1,500 | £1,500 | £6,000 |
| Behaviour treatment | ||||
Unlimited, 24/7 video vet calls
All our customers with vet fee cover can get access to 24/7 video vet calls at no extra cost. It has many benefits:
Over 40,000 of our customers have used it to decide if their pet needs a trip to the vet or if it’s something they can manage at home.
Pet Insurance Provider Of The Year 2026
Thousands of pet owners voted us Pet Insurance Provider Of The Year five times between 2026 and 2021 at the Moneyfacts Consumer Awards.
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5-star customer reviews from Trustpilot
Frequently asked questions
We answer the most common questions about pet insurance.
Will I be covered immediately?
Will I be covered immediately?
No, unless you’ve switched to us from another provider. Like most pet insurance plans there’s a ‘waiting period’ at the start. That means there’s a short period of time before you can make a claim.
For all our plans the waiting period is two weeks for illnesses and 48 hours for accidents. But if you previously had cover with another pet insurance provider and you were insured with them for 12 months or more and you switch to us with no break in cover, there’s no waiting period and you’ll have immediate cover.
Is dental treatment covered?
Is dental treatment covered?
Dental cover for accidents is included in all our plans. Our Essential Care plan provides cover for dental accidents only, with a limit of £1,000 per policy year. Our Standard Care and Complete Care plans include cover for dental illness and accidents up to the vet fee limit.
Does ManyPets pay the vet direct?
Does ManyPets pay the vet direct?
It's a good idea to check with your vet that they will accept direct vet payments. Most of them do, however, it’s always best to check. If they are happy to do so, they may also be able to submit the claim on your behalf using our online claims portal for vets. If your vet is happy to submit the claim on your behalf for direct payment, this means that you do not need to also submit the claim to us as this will cause a duplicate and may delay the claim for you.
Not all Vets are able to assist our customers with submitting claims, which is why our customers can register claims via My Account, all you need to do is select your Vet as the Payee. You can enter up to two different vets. We are also able to pay a different vet – in the case of a referral, for example – then you can let us know in the comments box called ‘Almost there’ at the end.