ManyPets Pet Insurance and Wellness Plan Reviews

Your ManyPets insurance policy reimburses approved claims for treatments related to accidents or illnesses. Covered items may include your pet’s medications, surgeries, hospitalizations, diagnostics, and more.

Like other pet insurers, ManyPets doesn't cover pre-existing conditions. Our insurance policy also won't reimburse you for preventative care (though our Wellness Plan will). And unlike certain types of animal insurance, pet insurance generally won’t cover working animals. View our sample policy for a full list of exclusions.

When your pet is still young! Get insurance early on to avoid any pre-existing condition exclusions.

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. 

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

Like other pet insurance companies, ManyPets does not cover preventative care under its insurance policy.

Here’s the good news: Our Wellness Plan, which is a completely separate non-insurance product, does cover preventative care.

We’re focused on cats and dogs here at ManyPets.

If it's your first time signing up with ManyPets, just get a quote and begin the usual purchase process. After you’ve submitted the details for your first pet, you’ll see a spot on the next page where you can click “Add another pet.” Just click and repeat until you’ve added all your furry friends, each with their own unique policies.

Trying to add a new pet insurance policy to your pre-existing account? Reach out to our team for help.

Your waiting period is the brief period of time — beginning the day you purchase your insurance policy — when your pet's accidents and illnesses are not yet eligible for coverage. Once your pet is in your possession, the ManyPets waiting period — in all states as of May 2023 – is for 15 days after you purchase your pet insurance plan. (Waiting periods may vary by state in the future due to any relevant regulatory changes; always refer to your own state’s policy wording.)

We always request the last 18 months of your pet’s medical records with the first claim. After that, we’ll only request additional records if more information is needed to process the claim.

Your deductible is an annual amount you must pay out of pocket on an approved claim — after your reimbursement level has been applied — before a claims payment is sent. We will always send an explanation of benefits on approved claims, and your policy provides a sample claim scenario if you’d like to take a look.

This is the percentage of your vet bill for which you’ll be reimbursed (after your deductible is met) for any approved claims. Informally, the word “co-pay” is sometimes used to indicate the percentage for which you’re responsible first on any approved claim. For instance, an 80% reimbursement level equates to a 20% co-pay for approved claims. (On official documents, ManyPets only refers to reimbursement level, not co-pay.)

We’ll reimburse approved claims via direct deposit to your bank account or via check, your choice.

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

Almost! ManyPets insurance is now available in 46 states + Washington, D.C., with plans to launch in more soon.

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 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.