About us

What is ManyPets?

ManyPets is a pet health and wellness company dedicated to making pet insurance accessible for every pet lover, regardless of gender, race, age, or location.  Founded in 2012, we’re a passionate, pet-loving team based out of Atlanta, GA, Stokholm, SE and London, UK. We've made access to quality pet care more affordable, convenient, and enjoyable for over 300,000 customers worldwide. But our work is far from over. We're on a mission to radically shift the world's perception of insurance and create a better life for the world’s many pets – and their people.

Where is ManyPets available?

  • Illinois 

We’ll be rolling out our pet health insurance plans, along with our pet wellness plans, in additional states over the coming year. Stay tuned by following us on Facebook, Instagram, and Twitter

Coverage information

What does ManyPets pet health insurance cover?

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!

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 does ManyPets pet health insurance not cover?

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 policy waiting period(s)
  • 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.

Does ManyPets cover pre-existing conditions?

Unlike many of our competitors, we can cover curable pre-existing conditions once they have been free of symptoms 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. 

Unfortunately, ManyPets can't cover 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! 

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 cover routine or preventative care?

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 wellness plan 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, and polishing
  • Holistic care, including supplements and treatments to help with stress, anxiety, skin, coat, bone and joint care

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?

We do! Our plans cover the costs of diagnosing and treating dental injuries and periodontal (i.e., gum) disease. Unfortunately, we won't cover the costs of annual dental cleanings, polishings, or other cosmetic/elective services, unless you purchase our wellness add-on.

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: 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 vet bill, and press submit!

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. 

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?

If you need to update your billing information, login to “My Account” and navigate to “Billing.” There you will have the option to update your billing address or card number and save changes.

What payment methods do you accept?

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

Will my vet accept my pet health insurance policy?

Unlike with human health insurance plans, which require pre-authorization and limit you to ‘in-network” providers, we’ll pay you directly instead of reimbursing your vet. Therefore, your pet is free to receive treatment from any licensed veterinarian, specialist, or emergency clinic you choose in the U.S. — just submit the claim to us afterward. 

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.

Can I insure multiple pets?

Yes, you can! There is no limit to how many pets you can have with ManyPets. 

You can add a pet to your policy by calling our customer care team a call at +1 (888) 978-5291, and they will be happy to 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 the details of your recent Vet visit (don’t forget to include a copy of your itemized vet bill). 

Or fax us at: +1 (888) 978-5291

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

You can submit a claim by logging into 'My Account,’ clicking on the ‘Make a Claim' button, and entering the details of your recent Vet visit.

Or you can email us at: manyclaim@manypets.com

For general inquiries:

You can email us at: manyhelp@manypets.com

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

(Message and data rates may apply.)

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

Claims information

How do I file a pet health insurance claim?

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: Email us the details of your claim, and include a copy of your vet bill.

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 vet bill, and press submit!

 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.

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 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.

How will I get paid for a claim?

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

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 manyclaim@manypets.com. Our team will happily answer your questions and help you find the best plan for you and your pet.