Puppies under eight weeks old
ManyPets pet insurance for new puppies can only cover dogs who are eight weeks of age or older. But it’s unlikely a breeder or shelter will let you take home a puppy before they’re eight weeks old in the first place; in fact, many states legally forbid such sales.
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.
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. However, unlike some other companies, 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.)
Now remember: If your pet develops a health condition after they’re insured (and after your waiting period), that condition will likely not be considered pre-existing as long as you maintain continuous coverage. And the younger your pup is when they’re insured, the less likely they are to have a pre-existing condition.
Preventative care, including vaccinations
However, ManyPets’ optional (non-insurance) Wellness Plan is designed to reimburse you for these items. These reimbursements can be particularly valuable for puppy parents, since your dog should be receiving a number of core vaccinations and getting several veterinary checkups during their first year.
For a complete list of insurance coverages and exclusions, view our example policy.