Puppy insurance

ManyPets policies can only cover puppies who are eight weeks of age or older. Most breeders, shelters, and pet stores won’t allow you to take home a puppy younger than this in any event.

Puppies aren’t immune to accidents and injuries. In fact, since it takes a while for puppies to get fully vaccinated, they’re particularly susceptible to conditions like parvo, distemper, and certain parasite infections. When you also consider the fact that insuring your pup early is the best way to avoid future exclusions for pre-existing conditions, pet insurance for puppies is definitely worth it.

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.) 

Technically, a dog can have a pre-existing condition at any age, but since puppies haven’t been around as long as adult dogs, they’re less likely to suffer from any past conditions. That’s one reason why it’s so important to insure your pup when they’re still young.

ManyPets won’t exclude coverage just because a condition is common to your pet's specific breed (unless the condition is pre-existing). But do be aware that birth defects and other conditions that your pet is born with will be considered pre-existing conditions and will therefore be ineligible for coverage.

The ManyPets insurance policy will not reimburse you for preventative care, but the ManyPets Wellness Plan is designed for exactly that purpose. Wellness reimburses pet parents for preventative care, including vaccinations, checkups, parasite prevention, dental care, vitamins, and supplements, and more — all crucial for developing doggos. Learn more about the ManyPets Wellness Plan.  

Your policy document will apply to your dog no matter what their age is; there is no separate document for puppies. (You can check out our example policy here.) Keep in mind that policies may vary based on regulatory rules within your own state. Always read your own state’s policy document. 

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

No, you cannot; if you buy your policy before your dog is in your possession, your claims may be denied even if they meet other eligibility requirements. So be sure your dog is in your possession before you purchase insurance!

In general, increasing age is one contributing factor to higher premiums. So assuming all factors (including breed and zip code) are equal, you’re likely to pay lower premiums for a puppy than for an older dog. But age is just one factor in pricing; learn more about how we calculate premium costs here.

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. 

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

For older dogs, ManyPets asks for the last 18 months of medical records when you submit your first claim. But for dogs younger than 18 months, we simply ask that you submit whatever medical records are available. We’ll only ask for these records the very first time you claim, unless additional information is needed to process a subsequent claim.