Yes, emergency treatment for accidents or illnesses may be covered under the ManyPets Accident and Illness Policy. In fact, the ManyPets insurance policy doesn’t draw a distinction between emergency or non-emergency care for accidents and illnesses — it’s all just vet care to us!

Yes, ManyPets absolutely covers specialty care, which can become very expensive very quickly. From oncologists to orthopedists, a veterinary specialist may be able to save your pet’s life one day — and pet insurance is designed to help you afford that care. Just make sure you insure your furry friend while they’re still young, before they develop any pre-existing conditions.

Yes, ManyPets may cover exam fees for any eligible accident or illness claims — even for emergency or specialist vet visits, which can be particularly expensive.

If your pet’s health condition first becomes symptomatic after your waiting period, that condition will likely not be considered pre-existing, even if it becomes chronic. Therefore, chronic conditions that arise after your coverage is in full effect — and any related ongoing treatments — may remain eligible for reimbursement for as long as you maintain your policy coverage! Just remember that any existing conditions will immediately become pre-existing if your coverage lapses, or if you switch providers

No. Unlike some other pet insurance companies, ManyPets doesn’t place annual limits on reimbursements. This can be especially important with treatments for major surgeries, or with health conditions like cancer, which can cost many thousands of dollars to treat effectively. Keep in mind that, like other pet insurance companies, ManyPets insurance coverage does include co-pays for individual claims, as well as an annual deductible.

You can insure a pet who is already sick or injured, but be aware: Your pet’s current health conditions will be considered-pre-existing, and will therefore not be covered. This exclusion will apply to any emergency or specialist treatment that’s required because your pet’s pre-existing health condition has worsened, or because a pre-existing health condition has directly led to a subsequent health condition.

Emergency coverage comes standard as part of the ManyPets insurance policy; it’s not a standalone plan. ManyPets puppy insurance starts from $20 a month, and kitten insurance starts at just $15 per month. On average, adult dog insurance will cost between $30-$40 per month with ManyPets. Adult cat insurance costs an average of $20-$25 per month. 

But prices might range higher or lower depending on a number of factors, including the price of veterinary care in your state, zip code, your pet’s age, and the coverage options you’ve selected. To learn more, read our explainer about how we determine pet insurance costs.