Why accident-and-illness beats accident-only pet insurance

In our experience, accident-only pet insurance can be a risky gamble and is often not worth it. The one benefit is that you may wind up paying lower premiums than with an Accident and Illness Policy. However, all illnesses will be ineligible for coverage. What you gain in premium costs, you may well lose in out-of-pocket veterinary costs. If your pet develops a particularly costly illness while insured under an accident-only policy, you may even find yourself in a situation where you can’t afford treatment at all.

Unfortunately, any illness that arises while your pet is covered under an accident-only policy will become a pre-existing condition. This means that the illness will now be ineligible for coverage, even if you buy an accident-and-illness policy or switch pet insurance companies.

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. 

You can always change pet insurance, but if you do, any pre-existing conditions will likely cease to be covered by any provider, even if you switch back to ManyPets. So think long and hard before switching. 

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. 

You can pick any vet you want! Just FYI, most vets don’t work directly with insurance providers. Instead, you’ll just simply submit your claim directly to ManyPets, and we’ll directly reimburse you for your vet visit.

ManyPets doesn’t work directly with veterinarians. Instead pet parents simply submit their claim directly to ManyPets, and we’ll reimburse you for any approved claims directly. Pick any licensed vet — no networks!

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.