ManyPets coverage for emergencies and specialists

Pet insurance for the unexpected, the complicated, and the costly

From broken bones to swallowed bones, from cancer to heart disease, ManyPets insurance can help minimize treatment costs when vet care is most urgent — and most expensive.

  • Visit any emergency clinic or specialist
  • Exams and consultations covered
  • Covers* cancer treatment and other specialty care
4.6 out of 5
4.6 out of five star rating on Trustpilot
4.6 | NaN
Read more reviews at trustpilot

Emergencies and specialists cost a leg and a paw. Pet insurance can help.

It’s always convenient when pet insurance puts a little money back in your pocket. But with emergency and specialty care, pet insurance is more than just convenient: It can save your savings, and even help you opt for robust treatment instead of euthanasia.

A single emergency vet visit often costs more than $1,000. A full round of cancer treatments or other specialty care can cost many times that amount. ManyPets has paid out claims* for well over $10,000.

When your pet requires emergency care, complex treatment or surgery, pet insurance enables you to make the best decisions for your pet’s health without letting financial worries hold you back.

Cat with Vet

Which specialists and emergency vets are covered?

ManyPets pet insurance offers nose-to-tail coverage* for accidents and illnesses, including emergencies and conditions that require specialized care. And unlike many other companies, ManyPets doesn’t place annual caps on reimbursement for approved claims. That’s particularly important when it comes to emergencies, urgent care visits, or specialized treatments for new chronic conditions — all of which can cost thousands of dollars, sometimes over a long period of time.

Compare our emergency pet insurance policy

Some pet insurance companies may not cover every aspect of emergency or specialty care or every condition that may lead to such visits.

Unlike some other companies, ManyPets policies include coverage for accident and illness exams. That’s particularly important with emergency exams, which often cost over $200 even before treatment.

And unlike ManyPets, some companies may also exclude treatment for any dental health emergencies or for any hereditary conditions that are common to your pet’s breed.

So when it comes to pet insurance for emergency vet care and specialty treatment, ManyPets stacks up very well against the competition:

Policy Details ManyPets Nationwide PetsBest Fetch HealthyPaws Trupanion
All Plans Feature no Annual Limit ✔️ N/A - No unlimited option N/A - No unlimited option ✔️ ✔️
No Fees (Sign-up, Payment Installment, etc) ✔️ 2 months due at signup + $2/month installment fee $2/month installment fee $3.48/month installment fee $25 fee to sign-up $50 fee to sign-up
No Condition-Specific Waiting Periods ✔️
Accident & Illness Coverage ManyPets Nationwide PetsBest Fetch HealthyPaws Trupanion
Vet Specialists & ER Visits ✔️ ✔️ ✔️ ✔️ ✔️ ✔️
All Plans Cover Sick Visit Exam Fee ✔️ ✔️ ✔️
All Plans Cover Rx Medication ✔️ ✔️ ✔️ ✔️ ✔️
Dental Illness ✔️ ✔️ ✔️ ✔️
Hereditary Conditions ✔️ ✔️ ✔️ ✔️ ✔️
Treatment of Pre-existing Conditions Covered if 18 months no signs or symptoms 12 months Covered if 18 months no signs or symptoms
Cancer Treatment ✔️ ✔️ ✔️ ✔️ ✔️ ✔️
Diagnostic Testing ✔️ ✔️ ✔️ ✔️ ✔️ ✔️
Wellness Coverage ManyPets Nationwide PetsBest Fetch HealthyPaws Trupanion
Total Annual Benefit $600 $500 $535 No Wellness Plan Available No Wellness Plan Available No Wellness Plan Available
No "Filler", One-Time-Use Benefits ✔️ Microchip Microchip, Spay/Neuter
Up to $150 for Vaccines ✔️ $75 max $40 max
Up to $150 for Vitamins + Supplements ✔️ Not included Not included
Up to $150 for Dental Cleanings ✔️ Not included ✔️
Up to $150 for Tests + Parasite Prevention ✔️ ✔️ ✔️
Customer Support ManyPets Nationwide PetsBest Fetch HealthyPaws Trupanion
Speak with US-based Agents in Seconds ✔️ ? ? ? ? ?
Live Chat Available ✔️ ✔️ ✔️ ✔️
24/7 Tele-Vet Coming Soon ✔️ ✔️ ✔️ ✔️

Comparisons are based on quotes manually taken from each competitor's website in 2022. These are subject to change at any time.

What does pet insurance with emergency coverage actually include?

To be precise, there’s no separate add-on for “emergency pet insurance.” Rather than emergency dog insurance or emergency cat insurance, emergency coverage is simply one standard component of your dog insurance or cat insurance policy.

Pet health insurance may cover claims for accidents and illnesses, including emergencies, urgent care visits, and specialized treatment for complex or chronic conditions. (Keep in mind that certain exclusions apply, including those related to pre-existing conditions.)

Accidents: An unexpected incident or injury, including road accidents and poisonings, including:

  • Broken bones

  • Poisonings/foreign body ingestion

  • …and more 

Illnesses: Sickness or disease (including hereditary conditions) that isn’t accident-related, including:

  • Cancer

  • Infections

  • …and more

What does emergency pet insurance coverage not include?

Your ManyPets pet insurance plan doesn’t draw a distinction between emergency care, specialist care, or non-emergency accident or illness care, so the rules are the same across the board. ManyPets insurance does not cover:

Waiting periods

This is the brief period, beginning the day your insurance policy becomes effective, when your pet's accidents and illnesses are not yet eligible for coverage. 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

These 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, pre-existing 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.

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

Good news. We accept all veterinarians.

5-star pet insurance customer reviews from Trustpilot

From substantial reimbursements to outstanding support, hear from our customers in these ManyPets reviews from Trustpilot.
We've got answers

Pet Emergency and specialty coverage FAQs

Everything else you may want to know about ManyPets emergency and specialty coverage*

Does ManyPets pet insurance cover emergency treatment?

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!

Does ManyPets insurance cover veterinary specialists?

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.

Are exam fees covered for emergency or specialty visits?

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.

Does ManyPets cover ongoing care for chronic conditions?

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

Will ManyPets cap my payouts for an expensive emergency, or for a chronic condition?

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.

Can I insure a pet who is already sick or injured?

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.

How much does specialist and emergency pet insurance cost?

Emergency coverage comes standard as part of the ManyPets insurance policy; it’s not a standalone plan.

ManyPets puppy insurance starts at $20 a month, and kitten insurance starts at just $15 per month.

On average, adult dog insurance will cost between $30 and $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.

Pet Health and Insurance guides

Check out the ManyPets blog for detailed pet insurance guides, pet parenting explainers, and expert veterinary advice.

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.