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ManyPets Pet Insurance Review
By Jamela Adam MONEY RESEARCH COLLECTIVE
As any pet owner knows, veterinarian care is expensive – but well worth it. What with routine checkups, illnesses, chronic conditions, and accidents, bills can mount quickly. One way to help offset the cost of veterinary care is to purchase pet insurance. With pet health insurance, you will be reimbursed a portion of your vet bills after paying the deductible amount — easing your financial strain when your cat or dog needs medical attention.
If you don’t want to spend a fortune on monthly premiums, ManyPets is an option worth looking into. This pet health insurance company offers comprehensive coverage and keeps its prices low, making it a budget-friendly option for pet parents.
ManyPets pet insurance overview
Launched in 2017, ManyPets is a fast-growing pet health insurance company that has quickly expanded from the UK to Sweden and the United States. Today, the company has helped nearly half a million customers afford the best care for their pets. And with plans starting at just $15 per month, ManyPets is one of the most affordable pet insurance companies on the market.
ManyPets’ services
It’s important to choose a pet health insurance company that offers a variety of plans and coverage options so you can tailor the policy to your fur baby’s needs. Pet insurance costs are also a crucial factor to consider, especially if you’re on a tight budget. Let’s look at ManyPets’ plans, coverage options, and costs to see if the company’s insurance plans may be right for you and your four-legged family members.
What it offers
ManyPets offers a customizable and comprehensive pet insurance plan that covers accidents and illnesses. This plan includes coverage for office visits, prescriptions, hospitalization, surgeries, and more. You can customize your plan to fit your budget by choosing the deductible and co-pay that work best for you. Plus, unlike many competitors that exclude cancer treatment from coverage, ManyPets reimburses you for the full range of cancer diagnostics and treatments, including biopsies, radiation, chemo, and blood tests. That way, you can provide your pet with high-quality healthcare without worrying about incurring crushing debt.
When you sign up for the standard accident and illness insurance, you also have the option to add a wellness plan to your policy at an extra cost. This wellness plan covers routine and preventative care such as vaccinations, dental cleaning, supplements, and heartworm prevention.
ManyPets pet insurance cost
ManyPets has a handy online quote tool that gives you a rough estimate of how much it’ll cost to insure your pet. Keep in mind that monthly premiums can vary depending on the breed and age of your pet. Here’s how much the standard accident and illness plans cost at ManyPets:
| Starting Monthly Cost | Deductible amount choices | Reimbursement
choices |
|
| Dog plan | $35 | $100, $250, $500 | 70%, 80%, 90% |
| Puppy plan | $20 | $100, $250, $500 | 70%, 80%, 90% |
| Cat plan | $25 | $100, $250, $500 | 70%, 80%, 90% |
| Kitten plan | $15 | $100, $250, $500 | 70%, 80%, 90% |
What it doesn’t offer
Most companies don’t provide pet insurance for pre-existing conditions. In other words, if your pet has been diagnosed, treated, or displays symptoms of a specific condition within 18 months of the policy effective date, that condition is excluded from coverage.
However, ManyPets has even more restrictive exclusions than its competitors. For pets with hip dysplasia and cruciate ligament issues, the company will refuse to cover those conditions even if your pet has been treatment-free and symptom-free for more than 18 months. So if you’re considering ManyPets’ insurance plans, check the company’s exclusions before signing up.
Also, ManyPets isn’t available nationwide. If you and your pet family reside in one of the ineligible states — Alaska, Florida, Hawaii, Idaho, Massachusetts, Minnesota, Oklahoma, Vermont, and Missouri — you will need to consider other options.
ManyPets waiting periods
A waiting period is the amount of time you have to wait until you can claim benefits from the insurer. With ManyPets, accident and illness claims within the first 15 days of your policy are not eligible for pet insurance coverage. However, ManyPets may reduce your waiting period to only 24 hours if you switch over from another provider.
ManyPets pet insurance coverage
ManyPets’ basic insurance policies cover expenses related to illnesses and accidents but not routine or preventative care. This chart showcases ManyPets’ standard insurance coverage in detail:
| What is covered | What is not covered |
|
|
If you need routine or preventative care coverage for your pets, you can add a ManyPets wellness plan to your standard insurance policy at an additional cost. This wellness plan will reimburse you up to $150 per year for each of the following:
- Routine vaccinations and wellness exam fees
- Heartworm, tick, and flea prevention
- Dental cleanings including scaling, polishing, and brushing
- Holistic care including treatments and supplements for stress, anxiety, bones, skin, and joints.
ManyPets’ credentials
ManyPets is new to the pet insurance scene, but that doesn’t mean it’s not a reputable company. We did some digging, and here’s what we found regarding its credentials:
Licenses and registrations
Though ManyPets’ products aren’t available nationwide, the company is a licensed producer and adjuster in all states. Under their producer license, ManyPets is allowed to sell, negotiate, and solicit insurance. And under their adjuster license, the company can investigate and facilitate claim payments.
Awards and certifications
ManyPets has garnered some impressive awards in recent years, including:
- Insurance Choice Awards 2020
- 90.1 Highest Customer Satisfaction 2020
- Platinum Trusted Service Award
- Gold Ribbon Customer Experience Spring 2021
Regulatory or legal actions
Based on data from the Federal Insurance Office and the National Association of Insurance Commissioners, there hasn’t been any regulatory or legal actions taken against ManyPets.
ManyPets’ accessibility
We evaluated ManyPets’ accessibility to see how easy it is for pet owners to navigate the company’s site, find the services they need, and contact customer support.
Availability
As of November 2022, ManyPets is available in Sweden, the United Kingdom, and 41 U.S. states. Though the company doesn’t currently provide services nationwide, it plans to roll out pet health insurance plans in additional states over the coming years.
Contact information
You can reach ManyPets’ customer service by calling 1-888-978-5291 during their business hours (Mon-Fri: 9 am to 9 pm EST; Sat: 10 am to 6 pm EST)
ManyPets also has a live chat feature on the bottom right corner of its website where you can get your questions answered in real-time. And for issues regarding your claims and reimbursements, you can contact ManyPets through email at manyclaim@manypets.com.
User experience
Overall, ManyPets offers a great online experience for its customers. The website is easy to navigate and features a concise overview of the company’s products and services. Their online portal is also user-friendly, allowing policyholders to save their quotes, view policy documents, change payment methods, and file a pet insurance claim.
Limitations
ManyPets only provides insurance policies for some mammals — specifically cats, kittens, dogs, and puppies. Exotic animals such as snakes, lizards, and parrots are not eligible for coverage.
ManyPets’ customer satisfaction
Customer satisfaction should be one of the main deciding factors when choosing pet health insurance. After all, the last thing you want to deal with is a complicated claims process or rude customer service agents when your furry friend is sick or injured.
Customer complaints
To date there have been no complaints about ManyPets filed with the Consumer Financial Protection Bureau (CFPB).
Third-party ratings
On TrustPilot, ManyPets has earned a high rating of 4.7 out of 5 based on almost 1,500 reviews. Many customers praised the company for its reasonable pricing, excellent customer service, and comprehensive coverage. Though a few reviewers noted issues with claims and billing, the positive reviews overwhelmingly exceeded the negative. Overall, most customers seem satisfied with ManyPets’ services.
ManyPets vs. the competition
Let’s see how ManyPets compare to other pet insurance providers in terms of coverage limits, deductible amounts, and reimbursement percentages:
| ManyPets | Nationwide | Spot | Lemonade | |
| Annual coverage limits | Unlimited | Unlimited | $2,500, $3,000, $4,000, $5,000, $7,000, $10,000, unlimited | $5,000, $10,000, $20,000, $50,000, $100,000 |
| Deductible amount | $100, $250, $500 | $250 | $100, $250, $500, $750, $1,000 | $100, $250, $500 |
| Reimbursement | 70%, 80%, 90% | 50%, 70%, 90% | 70%, 80%, 90% | 70%, 80%, 90% |
ManyPets FAQs
How we evaluated ManyPets pet insurance
We evaluated the following factors to provide the most in-depth review of ManyPets:
- Monthly premiums
- Customer reviews
- Third-party ratings
- Availability
- Reimbursement amounts
- Coverage options
- Wellness plan benefits
- Exclusions and restrictions
- Claims and reimbursement process
Summary of Miami Herald’s ManyPets review
ManyPets is a relative newcomer to the world of pet insurance, but don’t let that dissuade you from considering them as your provider. They offer some of the most competitive rates in the industry, and their customer service is pretty great! Plus, they have a streamlined claims process and a transparent pricing structure. All these factors make ManyPets a fantastic option for those on the hunt for affordable and comprehensive pet insurance companies.
