ManyPets frequently asked questions

Your ManyPets pet health insurance policy may reimburse you for your pet's treatments and healthcare costs in the event of an accident or illness. If your dog eats a sock and needs their stomach pumped, you're covered (provided this occurs after your policy's waiting period has ended and during your policy period). Or if your cat develops diabetes during your policy period and the vet prescribes them insulin, you're covered.

Accident and illness coverage includes items and services such as:

• Diagnostics, including bloodwork and lab work, x-rays, MRIs, urinalysis, ultrasounds, and CT scans

• Medications, including prescriptions and injections

• Procedures, including surgery 

• Hospitalizations, including emergency care

• ...And more. You can learn more about what we cover here.

Best of all, you can visit any licensed veterinarian!

Like other pet insurers, ManyPets doesn't cover pre-existing conditions. Our insurance policy also won't reimburse you for preventative care (though our Wellness Plan will). And unlike certain types of animal insurance, pet insurance generally won’t cover working animals. View our sample policies for a full list of exclusions.

The "waiting period" starts the day after you buy your insurance policy.

Waiting periods vary by state:

• In some states, a waiting period applies to illnesses

• In other states, a waiting period applies to both illnesses and accidents

• If you have a non-insurance Wellness plan, you can begin using benefits and submitting claims for reimbursement the day after you purchase your plan.

It's best to check your state's specific policy details.

A pre-existing condition is any condition for which your pet was symptomatic, treated, or diagnosed before your policy went into effect, or during your waiting period. ManyPets will no longer consider most conditions to be pre-existing if your pet has been free of symptoms, diagnosis, and treatment for 18 months. 

Fingers crossed, this is something you and your pet will never have to worry about. But it’s always wise to be prepared, and fortunately our pet health insurance plan does cover vet-approved cancer treatments, including chemotherapy and radiation therapy, as long as the cancer isn’t a pre-existing condition.

Without insurance coverage, cancer treatments that include chemotherapy can cost many thousands of dollars.  

The ManyPets pet health insurance policy covers treatments and healthcare costs for accidents or illness, while the wellness plan provides reimbursement for routine and preventative care. Speaking of which...

ManyPets insurance only covers vet costs related to accidents or illnesses.

However, ManyPets does offer an optional, non-insurance Wellness Plan, which can be purchased in addition to insurance. The plan reimburses routine and preventative care for pets, up to the plan's available limits.

What is a bilateral condition?

A bilateral condition is a medical condition that can happen on both sides of your pet’s body. 

Examples include cruciate ligament issues, slipping kneecaps (also known as luxating patella) or joint dysplasia (such as hip or elbow).

Do you cover bilateral conditions?

In general, we do include bilateral conditions in our policies.

If a bilateral condition is diagnosed in both sides of your pet’s body simultaneously, we will treat this as a single illness. Otherwise, we will treat each side of the body's diagnosis as a separate illness.

Concerning pre-existing conditions, we would not exclude a pre-existing bilateral condition – unless it's a cruciate ligament (CL, CCL, ACL) injury or hip dysplasia. In that case, we will not be able to cover any future claims. 

Read ManyPets’ definitions of pre-existing conditions above 👆.

Our insurance policy may cover the costs of diagnosing and treating dental injuries and dental illnesses.

The ManyPets pet insurance policy does not cover preventative care such as dental cleanings or dental products. However, the ManyPets Wellness Plan does provide up to $150 of annual reimbursement for preventative dental care, including professional cleanings and at-home care such as dental chews and brushes.

Hip-dysplasia is a condition that we may be able to provide coverage for, depending on the circumstances. For example, if your pet has never received treatment, medication, or advice for dysplasia, it would be covered by your policy.

However, if your pet is six (6) years of age or older on the policy effective date or your vet diagnosed them with dysplasia before the policy start date, this would be classified as a pre-existing condition. Therefore, we would not cover the cost of any treatment for this condition. 

If you have any other questions or would like to chat to us about this further, please give our customer care team on +1 (888) 978-5291 or email us at manyclaim@manypets.com. We'll be happy to help!

Just follow these three (3) simple steps*:

Step 1: When your pet is sick or injured, visit any licensed veterinarian in the U.S. for diagnosis and treatment, and pay as usual at checkout (don’t forget to ask for a copy of your itemized vet bill).

Step 2: Log in to your account at www.manypets.com/my-account and press the “Make a Claim” button. Enter the details of your claim, upload a copy of your itemized vet bill (and your pet's medical record if it's your first claim), and press submit!

Step 3: Sit back and relax while we process your claim. We’ll send you regular updates via email so that you can track our progress.  If approved, we’ll pay you back for everything we cover up to your copay amount and after you’ve met your yearly deductible.**

If you need to contact someone from our team, please email manyclaim@manypets.com.

*You have up to 180 days after paying your vet bill to submit a claim.
**ManyPets analyzes every claim on its own merits, subject to the terms and conditions of your policy. Exclusions apply, including those for pre-existing conditions. Only claims unrelated to an excluded treatment or condition are eligible for coverage.

When you submit your first claim, we ask that you also submit your pet's medical records from the prior eighteen (18) months.

After that, we'll only need you to send us a copy of the vet's or clinic's invoice and receipt when you submit a claim. We may ask for additional information from your vet when handling your claim, but nothing else from you.

Just like humans, pets have written medical records that provide a comprehensive history of their health.

Your vet (or vets) will have records of all veterinary visits, diagnoses, treatments, vaccinations, routine care, and any medications prescribed for your pet.

The first time you submit a claim, you’ll need to include the last 18 months of medical records. (If your pet is younger than 18 months, just send us everything you have.)

You’ll only need to include these records the first time you submit a claim, unless we specifically request missing information. Sending us complete medical records helps us swiftly and accurately assess your claim.

Here’s an example medical record (PDF) and some key items we’ll look for.

We’ll reimburse approved claims via direct deposit to your bank account or via check, your choice.

We aim to process most of our accident and illness claims in less than 8 to 10 business days. However, there will be instances when we need more information from your vet, so the claims process may take longer to settle.

Please note that some banks and financial institutions may take up to ten (10) days to process your reimbursement before funds become available in your account.

Yes! We recommend submitting all claims about new accidents, illnesses, and injuries to maximize your annual deductible.

Reminder - your annual deductible is the amount you contribute before your insurance kicks in, so every qualifying invoice helps.

No way! The point of pet insurance is to use it when you need it. You can submit as many insurance claims as you like online, and there will be no impact on your monthly premium.

For a full list of our benefits & exclusions, check out our sample policy to learn more.

You can also call our Customer Care Team at +1 (888) 978-5291 or email us at manyhelp@manypets.com. Our team will happily answer your questions and help you find the best plan for you and your pet.

Yes, you can definitely buy a ManyPets policy as a gift! Here are some things to keep in mind:

• Tell us the pet's zip code, not yours

• Make sure you have details like age and breed 100% correct

• The pet parent will need to contact us so we can add their email address and phone number to the policy

• You'll be responsible if the pet parent adds on new purchases

• You're responsible for all terms and conditions, including annual rate increases or any mid-term adjustments

To learn more about buying a ManyPets policy as a gift, just read this article.