ManyPets Pet Insurance Review And Ratings (2022)

ManyPets is a pet insurance provider that helps cover the costs of your pet’s health care in the event of an accident or illness, which can include a range from cancer to dental issues. With an average rating of 4.45/5 from Trustpilot and an A- from the BBB, ManyPets is an excellent option to consider for pet insurance.

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UPDATED: Jun 20, 2022

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Written By: Chris TepedinoReviewed By: Laura WalkerUPDATED: Jun 20, 2022Fact Checked

The Rundown

  • As with any pet insurance policy, the cost of your premiums will depend on factors such as the age and breed of your pet, as well as your location
  • Unlike a number of its competitors, ManyPets covers curable pre-existing health conditions if your pet has been free from symptoms for more than 18 months
  • ManyPets covers your pet’s health care costs in the event of an accident or illness, which includes cancer and dental issues

ManyPets is a new insurer for pet insurance and offers some unique and valuable coverage features compared to many other competitors. It also has competitive pricing that makes it worth a look if it’s available in your state.

ManyPets aims to offer simple and reliable coverage for dogs and cats, providing protection against accidents and illness; quickly ranking it among the best insurance companies of this year.

Keep reading for the full review of ManyPets and what is offered for their plans. Enter your ZIP code into our free tool to start comparing pet insurance quotes today. 

What Does ManyPets Pet Insurance Cover?

ManyPets base plans cover almost all expenses related to the treatment and care of accidents and illness. This ranges from diagnostics to cancer treatments. However, there are a few things that aren’t covered. Here is what ManyPets does and doesn’t cover under their plans:

What's CoveredWhat Isn't Covered
Vet fee exams for accidents & illnesses Preventative care ( there is an optional Wellness plan available)
Diagnostics Pre-existing conditions (unless your pet has been symptom- and treatment-free for 18 months)
Medications Cosmetic services
Surgeries Non-FDA approved medications
Hospitalizations Prescription diets
Cancer treatments
Hip Dysplasia
Dental illnesses
Eye, ear, and skin infections
Hereditary & congenital conditions
Chronic conditions
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Despite not covering preventative care, ManyPets does give you the option to add routine and preventive care coverage to your policy at an additional cost under their Wellness plan.

A Wellness plan from ManyPets can reimburse you for expenses such as:

  • Wellness exams
  • Routine vaccinations such as rabies and bordetella
  • Flea, tick and heartworm prevention
  • Holistic care such as supplements and treatments for stress, anxiety, coat, skin, and bone and joint care
  • Dental cleanings

The ManyPets waiting period is 15 days. But the 15-day waiting period may be waived if your pet is currently insured with a different carrier within 24 hours of purchasing your ManyPets Pet policy.

Since there are some exclusions when it comes to coverage under ManyPets, here is a closer look at what isn’t covered:

  • Pre-existing conditions such as an illness or injury that began before coverage, except for conditions that have been symptom-free and treatment-free for 18 months
  • Elective or cosmetic surgeries
  • Medication, treatment, or supplements that the FDA does not approve
  • Behavioral medication or therapy
  • Daycare
  • Boarding
  • Grooming
  • Prescription diet

You can also check your policy documents provided by ManyPets for a full list of exclusions.

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When does ManyPets insurance coverage begin?

After you purchase your ManyPets pet policy, you will have a 15-day waiting period until coverage starts. ManyPets waiting period is considered shorter than most competitors that average about 20 days.

Choosing a pet insurance company with a short accident waiting period, like ManyPets, may give you peace of mind since you never know when an emergency can pop up.

However, if you’re switching from your previous pet insurer to ManyPets pet insurance, your accident and illness waiting period will be reduced to 24 hours which is unique to ManyPets.

What are the expected costs of ManyPets pet insurance?

With ManyPets, you don’t have a limit on your expense reimbursement. A ManyPets wellness plan will reimburse you up to $150 per year.

But just like with health insurance, you will need to pay a deductible before your coverage begins. Once this deductible is met, your pet’s expenses afterward will be covered. You can choose a deductible of $0, $100, $250, $500, or $750.

Coverage Amounts of Coverage
Annual coverage limits
Reimbursement level 80% - 100%
Deductible amount $100 - $500
Vet VisitsVisit any licensed veterinarian, no restrictions
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ManyPets pet insurance policies are pretty straightforward. The monthly premiums will vary based on your pet’s health history and location, but generally, plans start at $20 for dogs and $15 for cats.

Eligibility for coverage under any ManyPets policies has no breed or age restrictions and there are no veterinary exams required in order to obtain coverage. However, when you file your first pet insurance claim, you will have to submit your pet’s medical records from the prior eighteen months.

ManyPets Insurance Reviews

ManyPets has earned an average rating of 4.4/5 from 15 reviews on Trustpilot. Several reviewers praise ManyPets services as having a fast claims process, but there are a few customers complain that reimbursement times could be quicker.

ManyPets is currently underwritten by Accredited Surety and Casualty Company, which has an A+ rating from the Better Business Bureau. The bureau has not received any complaints about them as an underwriter.

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How do I file a claim with ManyPets?

If you need to make a claim on your ManyPets insurance policy, here’s what you’ll need to do:

  1. Your pet receives the treatment they need from any licensed vet and you pay the bill
  2. Obtaining your unique ManyPets login and create an account
  3. Upload your pet’s vet bill
  4. Submit your claim online
  5. ManyPets will process your claim and reimburse you the relevant amount that your plan specifies

The company aims to process most claims within 48 hours. Once your claim has been approved, reimbursement is issued within 24 business hours.

Should I buy ManyPets pet insurance?

There are several good reasons why ManyPets pet insurance is worth considering if you’re searching for cover for your pet. ManyPets provides cover for accidents and illnesses, with no annual limits, and you can select reimbursement for up to 100% of eligible vet bills.

But one of the downsides to ManyPets pet insurance is that currently, it’s only available in certain states. ManyPets has stated that they are looking to expand their reach sometime in the future, but the timeframe is still unknown.

Regardless, if you do live in Alabama, Arizona, Arkansas, Georgia, Illinois, Indiana, Michigan, Mississippi, Nebraska, Nevada, New Mexico, North Carolina, Pennsylvania, South Dakota, Texas, West Virginia, and Wyoming, ManyPets is a great option to consider.

ManyPets Pet Insurance Review & Ratings: Key Takeaways

There are plenty of upsides and a few downsides to choosing ManyPets pet insurance. If you live in a state that is not available for coverage, looking elsewhere is a better option.

However, if you do live in one of the listed states, ManyPets has great affordable plans and plenty of reimbursement options to choose from. With customizable policies, there is a plan that can fit into almost any sized budget.

Now that you’ve learned about ManyPets pet insurance, take the time to enter your ZIP code into our free tool and start comparing pet insurance quotes today.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

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Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent Laura Walker

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