Our Essential Care plan

Low cost pet insurance

Basic-level protection for minimum peace of mind

  • Cover for dental accidents
  • Add the MoneyBack optional extra for 20% back if no need to claim*
  • Choose £3,000 to £5,000 vet fee cover
  • 24/7 unlimited vet video calls with FirstVet
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Moneyfacts logo with "Highly Commended Best Claims Service" written above and below it on a green background
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Our Essential Care plan features

Our Essential Care plans offer lower levels of vet fee cover options - choices from £3k, £4k and £5k. You can see all available plans when you get your quote, which can provide up to £20k.

vet fee

Lifetime vet fee cover

Choose from £3,000, £4,000 or £5,000 vet fee cover. Your vet fee cover resets every year that you renew

Dental accident cover

Cover for dental accidents including crowns up to your vet fee limit
treatments

Emergency pet care

Up to £1,000 cover for looking after your pet if you have an unplanned hospital stay
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Third-party liability

All of our plans include £2m of cover if someone takes legal action against you and your dog.
Dog collar

Lost or stolen cover

Up to £500 of cover if your pet is lost or stolen, to help with advertising costs.
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Diagnostics cover

Cover for blood tests and other diagnostics. A £1,000 limit applies for MRI and CT scans

Pet owners love our cover

We know not all pet insurance is up to scratch. We listened to pet owners to design policies and customer service they couldn't find elsewhere.
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Pre-existing

All our plans cover pre-existing conditions that ended more than 2 years before your plan starts
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Pay your vet directly

We can pay your vet directly as long as they agree

Easy online claims

Easily submit your claim online & track its progress using My Account
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Exclusive customer benefits

All plans with vet-fee cover come with 24/7 vet video calls with FirstVet, plus access to a great range of discounts on pet goodies
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Easy to switch to us

No waiting period when you switch straight from another insurer at 12-month renewal
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Cover from 4-weeks old

We can cover pets from just 4-weeks of age with no upper age limit
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24/7 vet video calls

All our customers with vet fee cover can get unlimited, 24/7 video vet advice with FirstVet. It has many benefits:

  • Will not affect your claims history or your premium if you need to use it.
  • It’s convenient and gives reassurance that you’re doing the right thing for your pet.
  • Contact a UK-registered vet at any time so you can get immediate expert advice

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.

Using FirstVet takes the stress out of getting a last minute vet appointment and getting there. The FirstVet app is easy to use. I was able to book in a video call at a time that was convenient to me and the service and I could not fault the attention and advice my dog and I received.

Pet Insurance Provider Of The Year 2025

Thousands of pet owners voted us Pet Insurance Provider Of The Year in the 2025, 2024, 2022 and 2021 Moneyfacts Consumer Awards.

an award logo showing manypets as the winner of the moneyfacts pet insurance provider of the year 2024, consumer awards
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Moneyfacts logo on a black background that "Highly Commends" ManyPets for its Claims Service
Moneyfacts logo on a black background that reads "Winner Moneyfacts Awards 2025 Pet Insurance Provider of the Year"

5-star customer reviews from Trustpilot

Frequently asked questions

We answer the most common questions about pet insurance.

How to cut the cost of dog insurance

Increase your excess – you can usually bring down the price of dog insurance quotes by increasing the excess, but not all pet insurance companies let you do this. 

Most ManyPets plans include a choice of excess options of £69, £99, £130, £160, and £250 in addition to a voluntary 10% or 20% co-payment.

Just remember that opting for a higher excess does mean you need to make a bigger contribution to the costs if you need to claim.

Multi-pet discounts –If you have two or more pets, multi-pet discounts can reduce your costs. ManyPets has up to 15% discount, and each pet can have their own plan.

How much will my cover cost?

You can find out by getting a quick quote. It's difficult to predict how much a pet insurance plan will cost so it's easiest to enter some details about your pet to see the prices for different plans. If you call up you'll be asked the same questions we have online, which are used to calculate your price.

Is lifetime pet insurance worth the cost?

Whether pet insurance is worth it or not will depend on your personal circumstances but we believe a plan with an annual limit is good value.

Because our cover limit renews every year, it’ll cover ongoing problems your pet develops as well as short -term illness, so it’ll cover vet fees now and in years to come.

We believe that peace of mind’s worth it, which is why we only offer plans with an annual limit.

Footnotes

*Available on most plans. Money back payment is made 90 days after the policy year ends.