NOTICE: ManyPets is exiting the U.S. market to focus on the U.K. It is partnering with Odie Pet Insurance to offer continuous support and coverage to ManyPets customers. You can learn more about Odie Pet Insurance in our review.
ManyPets has only been in business in the U.S. since March 2021; however, it’s the leading pet insurance provider in the U.K. and Sweden (top markets for pet insurance). Unfortunately, ManyPets isn’t offered nationwide in the U.S., so it may not be available to you. But if it is in your state, it could be an excellent option for your pet’s insurance needs.
ManyPets Pet Insurance Review
Summary
ManyPets is new to the U.S. and isn’t available nationwide yet. Still, its experience in providing insurance in the U.K. and Sweden suggests that it could be an insurance giant in the U.S. after a few more years of experience.
Our pet insurance experts read through each pet insurance company’s policy to provide detailed comparisons and information regarding how a provider fares against others in the industry. We also speak with customers, read online feedback, and communicate one-on-one with pet insurance companies to obtain a well-rounded, unbiased analysis of a company’s standings.
Our team rates pet insurance companies based on several factors, including A.M. Best ratings (an indicator of financial stability), claim processing reputations, contract coverage, customer service, pricing, plan customizations, and more.
Overall Score
Pros
- No transaction or one-time fees
Cons
- Excludes bilateral conditions
- Maximum age limit is 14 years
- Pets enrolled after 6 aren’t eligible for hip dysplasia coverage
- Excludes pets in law enforcement, racing, etc.
- Not available nationwide
Alternatives To ManyPets
Don’t like the score you’re seeing? Our experts have analyzed over a dozen pet insurance providers. Check out our pet insurance reviews to learn more about this year’s top-ranked companies. You can also use our free tool below to get multiple quotes instantly.
Key Features
- Underwriter: Accredited Surety and Casualty Company
- A.M. Best rating (a measure of financial stability): A-
- Bilateral conditions (a condition or disease that affects both sides of the body) are excluded from coverage
- Claims process:
- Submit claims via email
- Averages a 2-day claim processing timeline
- Reimbursement is available via check
- Covers curable pre-existing conditions that are free of symptoms and treatment for 18 months (cruciate ligaments and hip dysplasia are excluded)
- Offers coverage for grief counseling upon the death of a pet
- Family plans cover up to 3 pets under one annual limit
ManyPets isn’t available nationwide. It’s available in the following states: AL, AK, AZ, AR, CA, CO, CT, DE, GA, HI, IL, IN, IA, KS, KY, LA, ME, MD, MI, MS, MO, NE, NV, NH, NM, NY, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY.
Customer Service Options & Hours
- Phone
- Monday – Friday: 9am-9pm EST
- Saturday: 10am-6pm EST
- Live chat
Waiting Periods*
- Illnesses: 14 days
- Accidents: 14 days
- Cruciate Ligament: 14 days
- Hip Dysplasia: 14 days
- Wellness: 0 days
*States are gradually adopting a Model Law for pet insurance, aiming to standardize regulations, including uniform waiting periods. In California, Delaware, Louisiana, Maine, Mississippi, Nebraska, New Hampshire, Washington, Rhode Island, and Maryland, waiting periods are:
- Accidents: 0 days
- Illnesses: 14 days
- Cruciate Ligament Conditions: 30 days
- Routine Care: 0 days
What Does ManyPets Cover?
Please know that none of the providers in our pet insurance comparison charts cover pre-existing conditions, cremation and burial costs, pregnancy and breeding, or unnecessary cosmetic procedures.
All of them cover the following items when deemed medically necessary: emergency care, surgery and hospitalization, specialized exams and specialty care, X-rays, blood tests, ultrasounds, cat scans, MRIs, rehabilitation, cancer, chronic conditions, euthanasia, hereditary conditions, congenital conditions, non-routine dental treatment, and prescription medications. However, this coverage may have limitations, so please review your policy carefully.
| Condition | Covered By ManyPets |
|---|---|
| Behavioral Therapies |  |
| Alternative/Holistic Therapies |  |
| Cremation | |
| Exam Fees | |
| Wellness Care | Extra Fee |
Wellness Plan
ManyPets offers a wellness plan that’s outlined in the table below. The maximum amounts that ManyPets will pay each year for that specific routine care per year are included.
| Treatment | Annual Limit |
|---|---|
| Wellness Exam & Vaccines | $150 |
| Flea/Tick/Heartworm Prevention & Testing | $150 |
| Dental Cleaning | $150 |
| Holistic Supplements & Care | $150 |
As you can see, this wellness plan doesn’t cover as many routine care items as most other pet wellness plans. Other companies commonly cover spay/neuter procedures, microchipping, and more.
Pricing Quotes
At present, ManyPets lets you choose your deductible percentage, annual payout, and reimbursement amount from the options below. What you select will help determine your monthly cost.
| Deductible Options | Payout Options | Reimbursement Options |
|---|---|---|
| $0 $250 $500 | Unlimited | 80% 90% 100% |
Pricing is based on your pet’s details. Use our pet insurance quote form to see how it compares against other top providers.
How Does The Claim & Reimbursement Process Work?
ManyPets uses a “copay then deductible” reimbursement method. This is calculated in the following way:
- (Eligible vet expenses x Reimbursement percentage) – Remaining annual deductible = Reimbursement amount
What’s Our Final Verdict?
ManyPets isn’t our top pick for pet insurance because others can offer lower prices, more comprehensive coverage, and have longer, more stable reputations in the pet insurance industry. We rate the best pet insurance companies based on coverage, customer service and reputation, claim processing, price, plan customizations, and more. Find out who we choose as our top pick in our pet insurance reviews.
