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.
Humans have long relied on insurance to pay for their own health care 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.
Here’s a quick outline of what we’ll cover:
- How does ManyPets insurance work?
- What ManyPets insurance cover?
- How much does ManyPets insurance cost?
- What's excluded?
- Can I personalize my ManyPets policy?
- Where can I buy my ManyPets policy
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.
To learn more about how our policies work, visit this page.
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?
Pet health insurance covers:
- Veterinary examinations or consultations
Exams and consultations required to diagnose or treat an illness or injury
Lab work, x-rays, MRIs, blood work, and other necessary tests
Vet-prescribed meds approved by the FDA
Medically necessary rehabilitation, acupuncture, or chiropractic treatment administered by a vet
Any procedures needed to treat illnesses or injuries
Any medically necessary items, as determined by your veterinarian
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 preventive care. More on that soon.
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 most competitive plans on the market, starting at $20 per month for dogs and $15 per month for cats.
These are just the baselines, of course. Rates vary based on factors like age, breed, and where you live. ManyPets also lets you make adjustments to things like deductible, co-pays or annual limits. (We’ll go into more detail about customization soon.)
Pet parents can also add on a wellness plan that covers routine treatments like preventive exams, dental cleanings, and parasite protection.. These plans do add an additional expense — the ManyPets wellness plan starts at $15 — but they pay for themselves if you’re planning to spring for a moderate amount of preventive 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 Insurance Worth it?
The thing is, veterinary care is expensive. And it’s only getting more expensive: If the human health care 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 make sure you never have to choose between your finances and your pet’s health.
Minneapolis dog parent Anne DeBeau-Melting purchased a pet health insurance plan when her German shepherd Charlie was still a puppy. When Charlie needed life-saving surgery for gastric dilatation-volvulus (better known as canine bloat), the policy was life-saving. “It’s a relief that if something else happens, we can afford it and avoid a large out-of-pocket expense,” Anne said. “If Charlie were human, she would have insurance. We don’t differentiate because she’s a dog.”
No pet insurance provider covers everything — and we want to make sure you’re never surprised. All companies tend to exclude things like pre-existing and recurring conditions, routine and preventive care, and care that takes place during an initial waiting period. (The ManyPets waiting period is 15 days, by the way.) .
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
Routine Care and the ManyPets Wellness Plan
Pet health insurance policies don’t usually cover preventive 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:
- Wellness exams and routine vaccinations, including rabies, Bordetella, DHPP, FVRCP, and Lyme
- Flea/tick/heartworm prevention, including heartworm testing
- Dental cleaning, including brushing, scaling, polishing, and tooth removal
- Holistic care, including supplements and treatments to help with stress, anxiety, skin, coat, bone and joint care
Most insurance plans don’t cover any illnesses or health conditions that a cat or dog developed before the policy went into effect. But ManyPets covers most curable pre-existing conditions once your pet has been free of symptoms and treatment for 18 months.
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. It is true that pet insurance plans 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, no cat too fluffy for us to cover.
But some breeds are indeed more susceptible to health problems than others, and these pets might command higher monthly premiums. For instance, ACL or other orthopedic issues commonly affect larger dogs, and intervertebral disc diseases commonly affect French bulldogs and dachshunds.
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.)
Can I Personalize My ManyPets Policy?
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 $100; it’s 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 things like deductibles and co-pays may sound like a great way to make your plan cheaper. But anytime you make changes to your up-front costs, you also run the risk of 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, follow the button on the top right corner of your screen to get your price. We promise it’ll only take a minute.
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90% of our global members say that ManyPets saves them time and money compared to other pet insurers.