Insurify recommends

ManyPets insurance for pet parent peace of mind

From sick visits to emergency treatment, pet insurance can help you focus on your pet’s health instead of worrying about your bank account. That's why we've partnered with ManyPets, a top-rated** provider.

  • No annual payout limits
  • Fast direct deposit reimbursements
  • Quote in 2 minutes with no commitment
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4.6 out of five star rating on Trustpilot
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Forbes Advisor 2023. America's best pet insurance company. ManyPets was awarded 5 stars

Forbes' #1 Pet Insurance Company for 2023

Pet insurance can help you make vital vet care choices — even when they cost a leg and a paw

A sick or injured pet should never have to go without veterinary care just because that care is expensive. With nose-to-tail coverage* and zero annual payout caps, the ManyPets Accident and Illness Policy may help reimburse you for critical treatments and diagnostics – even when they cost a leg and a paw.

What does pet insurance cover?

Pet health insurance may cover claims for accidents and illnesses. Keep in mind that certain exclusions apply, including those related to pre-existing conditions.


An unexpected incident or injury, including road accidents and poisonings.



Sickness or disease (including hereditary conditions) that isn’t accident-related.

Find the best insurance for your furry family member

ManyPets offers coverage for dogs and cats, including puppies and kittens, adult dogs and cats, and senior dogs and cats. Unlike some other providers, ManyPets policies may cover claims related to accident/illness exams and periodontal disease, and we don’t place annual limits on payouts for approved claims, even as your pet gets older.

Why ManyPets pet insurance?

ManyPets offers nose-to-tail pet insurance* for accidents and illnesses at competitive prices with no hidden fees. ManyPets may also cover certain items — like accident and illness exams and treatments for dental disease—that some of our competitors don’t. And unlike many other companies, ManyPets doesn’t place annual caps on reimbursement for approved claims.
small pink house with cross on it

Choose any vet

— no networks!

Heart with arrow around it

No annual or lifetime limits on payouts

for approved claims

cell phone with money sign

Direct deposit reimbursements

straight to your bank account


Covered treatments some companies exclude

including accident/illness exams and treatments for dental disease

Dalmatian jumping for a treat

What isn’t covered by ManyPets pet insurance?

Waiting periods

This is the brief period, beginning the day you purchase your insurance policy, when your pet's accidents and illnesses are not yet eligible for coverage. Once your pet is in your possession, the ManyPets waiting period — in most states as of May 2023 – is for 15 days after you purchase your policy. (Waiting periods may vary by state due to relevant regulatory rules and changes; always refer to your own state’s policy wording.

Pre-existing conditions

Pre-existing conditions are conditions for which your pet was symptomatic, treated, or diagnosed before your pet insurance policy went into effect, or during your waiting period. For some other companies, past conditions are permanently ineligible for coverage. 

However, ManyPets will no longer consider most conditions to be pre-existing if your pet has been free of symptoms, diagnosis, and treatment for a certain amount of time — 18 months in most states. (This time period can vary by state; in Oregon and Vermont, it’s six months rather than 18.)

Preventative care

The ManyPets Accident and Illness Policy does not cover routine or preventative care like checkups, dental cleanings, parasite prevention, or supplements. However, ManyPets’ optional Wellness Plan is designed to reimburse you for these items. Learn more about Wellness!

For a complete list of insurance coverages and exclusions, view our example policy

A pile of puppies climbing on each other in a pyramid

Insurance for all your woofs and meows.

ManyPets offers insurance* for dogs and cats of all ages, including puppies and kittens, adult dogs and cats, and older dogs and cats. Get information on options for the whole furry family.

Vet petting dog and cat

Save on preventative care

ManyPets Wellness Plan for Dogs & Cats

  • Routine exams and vaccinations
  • Prevention for fleas, ticks, and heartworm
  • Professional cleanings and at-home dental care
  • Vitamins, supplements, and more

What vets think about pet insurance

Unfortunately, unexpected veterinary costs do pop up, and the last thing you want to worry about is money when your focus should be on helping your pet feel better. The peace of mind that pet insurance provides is truly priceless.

Dr. Jennifer Coates, DVM

Hearing the words ‘they’re insured’ from a pet owner is such a relief to us as vets. It means we both know that the cost of treatment becomes a less significant factor in major medical decision making. Our choices get to be made primarily based on what we all agree is best for the pet.

Dr. Kirsten Ronngren, DVM MRCVS

5-star pet insurance customer reviews from Trustpilot

From substantial reimbursements to outstanding support, hear from our customers about life in the ManyPets pack.
Pet insurance should be easy — and now it is

How pet insurance claims work

Green house with cross on it

Visit any vet

Pick a vet, any vet. No networks, no restrictions.

Cell phone

Claim online

File a claim online anytime during or after your pet's vet visit.

Painless money

Get up to 80% of your vet bill back*

No, really. 80%.

We've got answers

Frequently asked questions

Everything else you may want to know about ManyPets claims.

What does ManyPets pet insurance cover?

Your ManyPets insurance policy reimburses approved claims for treatments related to accidents or illnesses. Covered items may include your pet’s medications, surgeries, hospitalizations, diagnostics, and more.

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.

When should I get pet insurance?

When your pet is still young! Get insurance early on to avoid any pre-existing condition exclusions.

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. 

How do I know ManyPets is the right company for my pet?

Do your research! Get quotes from different providers and read their policy terms to learn what they cover. We’re confident you’ll land on ManyPets in the end.

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.

Does ManyPets cover pets other than dogs and cats?

We’re focused on cats and dogs here at ManyPets.

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 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, 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.

Do I need to submit medical records?

We always request the last 18 months of your pet’s medical records with the first claim. After that, we’ll only request additional records if more information is needed to process the claim.

What is a pet insurance deductible?

Your deductible is an annual amount you must pay out of pocket on an approved claim — after your reimbursement level has been applied — before a claims payment is sent. We will always send an explanation of benefits on approved claims, and your policy provides a sample claim scenario if you’d like to take a look.

What is your pet insurance reimbursement level?

This is the percentage of your vet bill for which you’ll be reimbursed (after your deductible is met) for any approved claims. Informally, the word “co-pay” is sometimes used to indicate the percentage for which you’re responsible first on any approved claim. For instance, an 80% reimbursement level equates to a 20% co-pay for approved claims. (On official documents, ManyPets only refers to reimbursement level, not co-pay.)

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.

Can I go to any vet?

Yes! You can submit invoices for any licensed vet, including emergency clinics and specialists.

Is ManyPets pet insurance available in all 50 states?

Almost! ManyPets insurance is now available in 46 states + Washington, D.C., with plans to launch in more soon.

ManyPets insurance also remains active while you’re traveling within the US states, Washington, D.C., or Canada for up to 90 days.

Is pet insurance coverage the same in every state?

All ManyPets policies start out with the same Accident and Illness coverages, with just a few state variations due to regulations. And available policy selections – including deductible amount and reimbursement level – may vary by state as well. 

Can I cancel my pet insurance policy at any time?

Yes, you can cancel your insurance policy at any time. You’ll still be responsible for the current month’s premium, but you won’t be billed after that. If you cancel within the first 30 days of your policy effective date (15 days in Pennsylvania), you’ll receive a full premium refund if you haven’t yet claimed. 

Join the ManyPets pack

We cover over 400,000 pet parents across the globe

*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.

**According to Forbes Advisor’s “Best Pet Insurance of 2023”