ManyPets frequently asked questions

You have questions. We have answers.

(however you want to ask them)

About us

What is ManyPets?

ManyPets is a pet health and wellness company dedicated to making pet insurance accessible for pet parents of all stripes. Founded in 2012, we’re a passionate, pet-loving team based out of Atlanta, GA, and London, UK. We've made vet care more convenient and accessible for tens of thousands of pets throughout the US. But our work is far from over. We’re out to ease the financial burden of pet ownership, empowering pet parents to seek the vet care their pets need, no matter what.

Coverage information

What does ManyPets pet health insurance cover?

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!

What doesn't ManyPets pet insurance cover?

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.

What are waiting periods for pet insurance?

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, your waiting period is just 24 hours

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

What are pre-existing conditions and are they covered?

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. 

What about cancer?

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.  

What’s the difference between a pet health insurance policy and a pet wellness plan?

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...

Does ManyPets pet insurance cover regular or routine vet visits?

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 are bilateral conditions, and does ManyPets cover them?

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 👆.

Does ManyPets cover dental?

Our our insurance policy does cover the costs of diagnosing and treating dental injuries and periodontal (i.e., gum) disease.

Your pet won't be covered for the costs of annual dental cleanings, polishings, or other cosmetic/elective services, unless you purchase our preventative care plan. This plan also includes at-home care such as dental chews and brushes.

Does ManyPets cover hip-dysplasia?

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!

Account & service information

How do I sign up?

You can purchase a pet health insurance or a wellness plan (or both) online at www.manypets.com or call us at: +1 (888) 978-5291.

How does ManyPets pet insurance work?

We make it easy with 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: Simply submit a claim online through 'My Account,' including a copy of your itemized vet bill and the details of your recent vet visit.

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. 

How do you calculate my price?

Your plan’s monthly price, or “premium,” is calculated individually for each pet and is based on several different factors, including your pet’s breed, age, location, deductible, co-pay, and optional add-ons.

How do I update my billing information?

You can easily update your billing information online through 'My Account.' And if you have any questions, you can always give us a call at +1 (888) 978-5291 — we'll be happy to help 😉 .

What payment methods do you accept?

We currently accept any debit or credit cards issued by VISA, MasterCard, American Express, or Discover.

Does ManyPets work with any vet?

Pets are free to receive treatment from any licensed veterinarian, specialist, or emergency clinic in the U.S. (or temporarily in Canada) and send the claim to us afterwards.

Why? Unlike with human health insurance plans, which require pre-authorization and limit you to ‘in-network” providers, we pay our pet parent customers directly for qualified claims instead of reimbursing the vet.

How can I cancel my pet health insurance policy?

We’re sad to see you go, but you can cancel your pet health insurance policy, free of charge, at any time (please review the T&C’s of your wellness plan here). Simply call or email our customer care team, and they will cancel your policy. 

If you decide to come back, please note that any accidents or illnesses during your previous policy or hiatus will be considered a pre-existing condition on a future policy.

How do I insure multiple pets?

Looking to insure multiple pets? If it's your first time signing up with ManyPets, just get a quote and begin the usual purchase process. After you’ve submitted the details for your first pet, you’ll see a spot on the next page where you can click “Add another pet.” Just click and repeat until you’ve added all your furry friends, each with their own unique policies.

Trying to add a new pet insurance policy to your pre-existing account? Reach out to our team for help.

What happens if I miss a payment?

If you fail to make a payment, we will do everything to reach you by phone or email. 

However, if we don't receive your payment within ten (10) days*, we will cancel your policy immediately.

*Varies by state, please refer to your policy document.

Is my information safe?

Very. We take your privacy and the security of your information extremely seriously. We’ve designed the ManyPets platform to comply with all relevant privacy laws and have implemented strict security protocols to protect your information.

Please read our Privacy Promise for more details.

How can I reach your team?

If you can't find the answer you are looking for in our FAQs, our customer care team is always here to help!

For claims:

You can submit a claim by emailing us at manyclaim@manypets.com and providing us with the details of your recent Vet visit (don’t forget to include a copy of your itemized vet bill). 

We're available 9:00 am - 5:00 pm CST Monday to Friday.

For general inquiries:

You can email us at: manyhelp@manypets.com

You can also call us at: +1 (888) 978-5291

We're available 9:00 am - 9:00 pm EST Monday to Friday, and 10:00 am - 6 pm EST Saturday.

Can I buy a ManyPets policy as a gift?

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.

Claims information

How do I file a pet health insurance claim?

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.

What documentation do you need from me?

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.

What are pet medical records and what should they include?

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.

How will I get paid for a pet insurance claim?

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

How fast will my claim get paid?

We aim to process most of our accident and illness claims in less than 48 hours. However, there will be instances when we need more information from your vet, so the claims process may take longer to settle. Nevertheless, once your claim is approved, your reimbursement will be issued within 24 business hours.

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.

Should I file a claim if my vet’s invoice is less than my deductible?

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.

Will my monthly premium (price) increase after filing a claim?

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.

Do you have more questions?

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.

Can I buy a ManyPets policy as a gift?

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.

Join the ManyPets pack

We cover over 400,000 pet parents across the globe