How does ManyPets pet insurance work?

March 11, 2021 - 6 min read

Maggie recently brought her little one, Tommy, to a routine wellness exam. Much to Maggie’s alarm, Tommy was diagnosed with a serious medical condition. Fortunately, after several months and a number of treatments, Tommy was the picture of health—but Maggie was out thousands of dollars.

Tommy, incidentally, is a French Bulldog. And unfortunately, Maggie was uninsured.

Why pet insurance matters

Humans have long relied on insurance to pay for their own healthcare costs. Yet, out of more than 63 million dogs and nearly 43 million cats in the US, only 2.82 million had pet health insurance as of 2021. This means that cat and dog parents constantly face the same painful choice as Maggie: Drain a bank account or let a four-legged friend go untreated.

Many pet parents don’t even know what pet insurance is. Others don’t know whether it’s worth the expense or how to choose the right company. But all pet parents do know this: Pets are near and dear to us, and they deserve long, frisky lives. Insurance isn’t just about protecting your wallet; it’s about protecting your furry family members.

This guide will walk you through the basics of pet health insurance and explain what separates ManyPets from the pack.

How does ManyPets insurance work?

If you live in the US (and you’re a human), the American healthcare system has probably given you heartburn. But we learned from it, and ManyPets insurance is a different animal.

There are some basic similarities between pet health insurance and human health insurance, of course. Like human health insurance, pet health insurance offers reimbursement for medical care.

But when you go to the doctor, you can only go to certain in-network providers. The insurance companies pay them directly, and you’re stuck with the bill if you dare to go out-of-network. ManyPets is simpler and more flexible.

When you insure your dog or cat, you’re free to take your pet to any licensed vet, specialist, or emergency clinic. Just submit your claim straight to ManyPets afterward, and we’ll reimburse you directly.

ManyPets makes this process as easy as possible. Some pet insurance companies require you to submit your pet’s medical records each time you submit a claim, but we’ll only ask for it once. We’ll also reimburse your vet bills as quickly as possible.

What does ManyPets insurance cover?

Some insurance companies only offer accident insurance. At ManyPets, we provide nose-to-tail coverage for both accidents and illnesses. We want to keep your pet healthy and safe for as long as possible, no matter what ails them.

So what does an accident-and-illness policy cover?

  • Veterinary examinations or consultations
    Exams and consultations required to diagnose or treat an illness or injury

  • Diagnostics
    Lab work, x-rays, MRIs, blood work, and other necessary tests

  • Medication
    Vet-prescribed meds approved by the FDA

  • Treatments
    Medically necessary rehabilitation, acupuncture, or chiropractic treatment administered by a vet

  • Surgeries
    Any procedures needed to treat illnesses or injuries

  • Supplies
    Any medically necessary items, as determined by your veterinarian

  • Hospitalization
    Boarding at a veterinary clinic as required by your veterinarian

  • Euthanasia and cremation
    But for now, let’s just think about keeping your pet safe as long as possible

By the way, unlike some other pet health insurance companies, ManyPets offers a Wellness Plan covering routine and preventative care. More on that later.

How much does ManyPets insurance cost?

There’s a broad spectrum of pricing across the industry, and some insurance companies charge higher-than-average premiums even when their coverage isn’t actually better.

The ManyPets accident and illness policy is one of the best-priced plans on the market, starting at $20 per month for puppies and $15 per month for kittens. Policies for adult dogs usually run between $30 and $40 on average, while policies for adult cats run between $20 and $25 per month.

These are just the baselines, of course. Rates vary based on factors like age, breed, where you live, your deductible amount, and your reimbursement percentage.

Pet parents can also add on a Wellness Plan that covers routine treatments like preventative exams, dental cleanings, and parasite protection. These plans add an additional expense—the ManyPets wellness plan starts at $15—but they pay for themselves if you’re planning to spring for moderate preventative care.

If you want to know exactly how much it’ll cost to insure your cat or dog, you can get a quote here.

Is ManyPets pet insurance worth it?

The thing is, veterinary care is expensive. And it’s only getting more expensive. If the human healthcare world has taught us anything, it’s that things get more expensive as they get more complicated and specialized. Nowadays, veterinarians practice in specialty fields like dermatology, oncology, cardiology, and more.

To ManyPets, insuring your pet is about more than just protecting your wallet. Every day, pet parents euthanize pets with treatable conditions. This course of action may not put a dent in their savings accounts, but it breaks their hearts and ours.

Dr. Jenny Brown, a former emergency veterinarian from Seattle who now works as a relief veterinarian in private practice, told ManyPets that pet health insurance removes the “financial limit” of veterinary care.

She's not wrong. Sure, we want you to save money, but not by avoiding treatment. At ManyPets, we want you and your pets to share as many moments and create as many memories as possible. We’ll help you ensure you never have to choose between your finances and your pet’s health, and we believe that's what makes pet insurance worth it.

What's excluded?

No pet insurance provider covers everything, and we want to make sure you’re never surprised.

All companies tend to exclude pre-existing conditions, routine and preventative care, and care for conditions that arise during your initial waiting period.

Here’s the good part: We offer some exceptions and ways to shore up coverage with add-ons.

Routine care and the ManyPets Wellness Plan

Pet health insurance policies don’t usually cover preventative care. But...

ManyPets offers an add-on Wellness Plan that reimburses you for routine treatments and services such as wellness exams, flea and heartworm prevention, dental cleaning, and holistic care.

Here’s what it covers:

  • Routine wellness visit—exams and vaccines: Provides reimbursement for costs associated with exams and vaccinations performed by a veterinarian for preventative and/or routine care. Examples of vaccinations include rabies, Bordetella, DHPP, FVRCP, and Lyme.

  • Testing and parasite prevention: Provides reimbursement for medicine used to help prevent internal and external parasites for which readily available prophylactic treatments are available (i.e., flea, tick, and heartworm prevention) and any fecal testing and FIV/FELV testing.

  • Dental cleanings and at-home dental care: Provides reimbursement for the routine care required to maintain dental hygiene. This only includes brushing, scaling, and polishing and those products purchased that are intended to provide at-home dental care.

  • Vitamins, supplements, and more: Provides reimbursement for vitamins, supplements, shampoos, ointments, massages, chiropractic, acupuncture, aromatherapy, and reiki sessions that may help with stress, anxiety, skin, coat, bone, and joint care.


ManyPets Wellness Plan for Cats and Dogs

Save on preventative care for your furry friends

The non-insurance ManyPets Wellness Plan can help reimburse you for the cost of routine and preventative care, including routine vet visits and certain over-the-counter products.


Pre-existing conditions

Most insurance plans don’t cover any illnesses or health conditions that a cat or dog developed before the policy went into effect. However, ManyPets will no longer consider a condition to be pre-existing if your pet has been free of symptoms, diagnosis, and treatment for 18 months (the sole exceptions being hip dysplasia and cruciate ligament conditions).


Pre-existing conditions and insurance - how does it work?

ManyPets has exclusions for pre-existing conditions, but past conditions don’t always prevent future coverage. Get the details.


Age and breed

Most high-quality pet health insurance plans impose little to no restrictions on age; a pet can never be booted off a plan just for getting older. Pet insurance plans indeed tend to raise premiums each year as a dog or cat ages.

As for breed, we couldn’t exactly call ourselves ManyPets if we didn’t love all dogs and cats equally. There’s no dog too wrinkly or a cat too fluffy for us to cover.

But some breeds are more susceptible to health problems than others, and these pets might command higher-than-average monthly premiums. For instance, orthopedic issues such as hip dysplasia commonly affect larger dogs like Great Danes and Rottweilers, and breathing issues commonly affect flat-faced dogs like Pugs and Shih Tzus. As a result, such breeds might cost a bit more to insure.

Want to know what your pet’s premiums will cost? There’s only one way to find out—get a quote here.

Can I personalize my ManyPets policy?

You sure can. Many pet parents choose a policy that only covers accidents and illnesses, while others add a Wellness Plan. (Adding a Wellness Plan will reimburse you for inevitable day-to-day vet costs; we highly recommend it.)

A few quick definitions:

  • Your deductible is the initial out-of-pocket amount you have to pay before you start receiving reimbursements. ManyPets’ deductible is only applied once per policy period.

  • A co-pay is an out-of-pocket amount you must pay for veterinary services that are otherwise covered by insurance.

Just be aware: Adjusting deductibles and co-pays may sound like a great way to make your plan cheaper. But anytime you change your up-front costs, you risk reducing your reimbursements, paying too much out-of-pocket, or both.

Where can I buy my ManyPets policy?

Right here. We make signing up for a ManyPets policy as easy as snuggling with your pet.

As for when you should get it, you'd be well advised to purchase an insurance policy immediately after your pet's very first vet visit. If you get your policy while your pet is still young, you'll never have to worry about pre-existing conditions.

If you're ready to get started now, click here to get your price. We promise it’ll only take a minute.

David Teich
Lead Content Editor

David Teich is Lead Content Editor at ManyPets. He loves pets, Scrabble, Oxford commas, and typing loudly.