ManyPets Frequently asked questions

Your ManyPets pet health insurance policy covers 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, and there are no caps on payouts, copays, or care!

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.  

Unfortunately, our policies can't cover everything that happens to your pet. But we don't want there to be any surprises when it comes time to file your next pet insurance claim. So, here's a list of the most common exclusions we encounter during our claims process:

• Routine or preventative health care (unless you have our wellness add-on!)

• Pre-existing conditions (with some exceptions)

• Conditions occurring within the 15-day policy waiting period that begins after purchase

• Cosmetic or elective services

• Non-FDA approved medications, treatments, or supplements

• Prescription diet

• Behavioral medication or therapy

• Pet daycare/boarding/grooming unless it is related to an illness or injury. 

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

Unlike many of our competitors, we can cover curable pre-existing conditions once they have been free of symptoms, diagnosis, and treatment for 18 months – 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. 

ManyPetscan'tcover any kind of illness or health condition your pet developed 18 months before your Policy Effective Date or during the waiting period. This is why it's so important to get insurance before you need it! 

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...

Like other pet insurance plans on the market, our base pet health insurance plan only covers the costs of diagnostics and treatments related to accidents and illnesses. But ManyPets offers a wellness plan add-on to help pay for preventative care costs. 

Our Preventative Care Plan covers:

• Routine wellness visit – exam and vaccines, including rabies, Bordetella, DHPP, FVRCP, and Lyme

• Testing and parasite prevention, including heartworm testing

• Dental Cleanings and at-home dental care, including brushing, scaling, and polishing

• Vitamins, supplements, aromatherapy, and more, including supplements and treatments to help with stress, anxiety, skin, coat, bone and joint care

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 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.

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!

It’s easy! 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: 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 wait 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.

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 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.

After your claim is approved, we will issue payment, minus the amount of your deductible and copay.

We'll pay you via direct deposit to your bank account or via check, your choice. You can select your preferred payment method when you submit your first claim through My Account, and change it any time you wish.

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.

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.