Many Pets Pet Insurance 2025: Comprehensive Review, Benefits & Drawbacks
Our expert's opinion on Many Pets
ManyPets stands out in the US pet insurance market with a streamlined accident and illness policy that emphasizes unlimited annual and lifetime payouts, competitive reimbursement rates up to 80%, and flexible deductibles starting as low as $100.With a single, comprehensive plan structure (plus an optional wellness add-on), ManyPets is positioned among the most customer-friendly insurers, offering clear pricing with no surprise fees, efficient digital claims handling in under 48 hours, and annual costs for dogs starting at $28/month; this places it as a strong mid-range competitor compared to providers offering more rigid limits or less transparent pricing strategies.ManyPets is especially well-suited for owners of young or midlife pets who prefer predictable budgeting, require high annual coverage for unexpected conditions, or seek robust reimbursement for expensive illnesses, including purebred or higher-risk animals.The company, established in the UK and now operating across the US, insures hundreds of thousands of pets and is underwritten by Digital Affect; it is financially stable and maintains a Trustpilot score of 4.4/5 from over 2,400 reviews, with most claims processed in less than 2 days and direct deposit reimbursements ensuring minimal delays.
- ✅No annual or lifetime payout limits
- ✅Fast, mostly paperless claims (typically <48 hours)
- ✅Simple single-plan structure with high reimbursement option
- ✅Flexible deductible selection and wellness add-on available
- ✅No surprise fees or premium hikes after claims
- ✅Broad eligibility: pets 8 weeks to 14 years at start
- ✅Strong customer satisfaction and financial stability
- ❌Pre-existing conditions and routine care mostly excluded
- ❌Policy migration (Odie) leading to coverage uncertainty in 2025
- ❌No multi-pet discounts or multiple plan options
- ❌Premiums may increase as pet ages
- ❌Older pets (14+) ineligible for new enrollment
- ✅No annual or lifetime payout limits
- ✅Fast, mostly paperless claims (typically <48 hours)
- ✅Simple single-plan structure with high reimbursement option
- ✅Flexible deductible selection and wellness add-on available
- ✅No surprise fees or premium hikes after claims
- ✅Broad eligibility: pets 8 weeks to 14 years at start
- ✅Strong customer satisfaction and financial stability
Our expert's opinion on Many Pets
ScoreManyPets stands out in the US pet insurance market with a streamlined accident and illness policy that emphasizes unlimited annual and lifetime payouts, competitive reimbursement rates up to 80%, and flexible deductibles starting as low as $100.With a single, comprehensive plan structure (plus an optional wellness add-on), ManyPets is positioned among the most customer-friendly insurers, offering clear pricing with no surprise fees, efficient digital claims handling in under 48 hours, and annual costs for dogs starting at $28/month; this places it as a strong mid-range competitor compared to providers offering more rigid limits or less transparent pricing strategies.ManyPets is especially well-suited for owners of young or midlife pets who prefer predictable budgeting, require high annual coverage for unexpected conditions, or seek robust reimbursement for expensive illnesses, including purebred or higher-risk animals.The company, established in the UK and now operating across the US, insures hundreds of thousands of pets and is underwritten by Digital Affect; it is financially stable and maintains a Trustpilot score of 4.4/5 from over 2,400 reviews, with most claims processed in less than 2 days and direct deposit reimbursements ensuring minimal delays.
- ✅No annual or lifetime payout limits
- ✅Fast, mostly paperless claims (typically <48 hours)
- ✅Simple single-plan structure with high reimbursement option
- ✅Flexible deductible selection and wellness add-on available
- ✅No surprise fees or premium hikes after claims
- ✅Broad eligibility: pets 8 weeks to 14 years at start
- ✅Strong customer satisfaction and financial stability
- ❌Pre-existing conditions and routine care mostly excluded
- ❌Policy migration (Odie) leading to coverage uncertainty in 2025
- ❌No multi-pet discounts or multiple plan options
- ❌Premiums may increase as pet ages
- ❌Older pets (14+) ineligible for new enrollment
- ✅No annual or lifetime payout limits
- ✅Fast, mostly paperless claims (typically <48 hours)
- ✅Simple single-plan structure with high reimbursement option
- ✅Flexible deductible selection and wellness add-on available
- ✅No surprise fees or premium hikes after claims
- ✅Broad eligibility: pets 8 weeks to 14 years at start
- ✅Strong customer satisfaction and financial stability
- ManyPets Guarantees
- ManyPet Exclusions
- Many Pets Prices
- Assistance for Many Pets
- Customer Reviews of Many Pets
- Contacting Many Pets
- FAQ
Why Trust HelloSafe?
At HelloSafe, our pet insurance experts thoroughly review the terms and pricing of insurance policies across the US market every year, providing you with reliable and unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of Americans trust us each month to guide them in their most important financial decisions.
ManyPets Guarantees
ManyPets offers a single, highly flexible accident and illness plan in the US, with key features such as customizable reimbursement rates (typically up to 80%), annual limits that may be unlimited, and a choice of deductible amounts starting as low as $100. Their wellness add-on provides routine care coverage for vaccines, dental cleanings, and preventive medications, which is less common among US pet insurers.
A standout strength is the absence of both annual and lifetime benefit caps, fast claim processing (often under 48 hours), and clear-slate coverage for hereditary and congenital conditions unless pre-existing.
However, ManyPets excludes coverage for pre-existing conditions, routine dental or preventive care unless under the wellness package, elective and behavioral procedures, and most alternative therapies unless for accidents or illnesses and performed by a vet.
Potential buyers should also note the current US policy transition to Odie, which may introduce changes to rates, coverage continuity, and claims service.
| Name of coverage | ManyPets Accident & Illness Plan (plus optional Wellness) |
|---|---|
| Plan positioning | Comprehensive, highly flexible accident and illness insurance |
| Type of coverage (accident, illness, both, etc.) | Both accident and illness |
| Animals covered (dogs, cats, other) | Dogs and cats |
| Reimbursement rate (%) | Up to 80%; customer selects at enrollment |
| Annual reimbursement limit | Unlimited (in most plans) |
| Deductible (annual or per claim) | Annual, from $100 |
| Age limits for enrollment (for dogs and cats) | Dogs & cats: 8 weeks to 14 years at enrollment |
| Pre-enrollment health questionnaire | Required; 18 months medical history for first claim |
| Waiting period (illness) | 15 days |
| Waiting period (accident) | 15 days |
| Lifetime coverage once subscribed | ✅ As long as plan is continuously renewed |
| Vet consultations (regular + emergency) | ✅ Medically necessary consultations covered |
| Medications | ✅ Vet-prescribed, FDA-approved only |
| Hospitalization | ✅ Medically necessary only |
| Surgery (including anesthesia) | ✅ For new accidents/illnesses |
| Diagnostic tests (X-ray, MRI, ultrasound, lab tests) | ✅ If medically necessary |
| Dental care (includes scaling and procedures) | Wellness add-on only for routine; illness/accident dental is standard plan |
| Preventive care package (vaccines, antiparasitics, spaying/neutering, ID/microchipping) | Optional wellness add-on only |
| Alternative medicine (osteopathy, acupuncture, etc.) | ✅ If for covered accident/illness and vet-performed (some exclusions) |
| Travel coverage (countries included, duration) | USA + 90 days Canada |
| Civil liability | ❌ Not covered |
| Euthanasia | ✅ Covered if medically necessary |
| Death & cremation coverage | ✅ Euthanasia and cremation covered |
| Theft or loss of pet + search expenses | ❌ Not covered |
| Boarding fees (if owner is hospitalized) | ❌ Not covered |
Important Claim Information
Claims must be filed within 180 days of treatment.
No annual or lifetime cap on payouts with most plans.
Routine, preventive, and dental care require the optional wellness add-on.
State-by-state differences and recent transition to Odie may affect plan availability and terms.
Compare plans before enrolling to find the best rate and coverage for your pet’s needs.
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!ManyPet Exclusions
ManyPets applies industry-standard exclusions such as pre-existing conditions (any illness or injury with signs, symptoms, or treatment in the 18 months prior to enrollment), which is more stringent than some competitors that use a shorter review window. Notable exclusions include hip dysplasia for pets aged 6 or older at policy start, and cruciate ligament issues in limbs affected before enrollment.
Exclusions are also strict for dental cleaning (unless accident/illness), routine/preventive care, elective and cosmetic procedures, behavioral treatment, and most alternative therapies not directly linked to a covered accident or illness. No coverage is provided for commercial-use animals, illnesses arising from omitted care/vaccination, war, public health emergencies, or pets owned outside the insured's US residence or outside age limits.
| Exclusions | Details |
|---|---|
| Medical exclusions | - Pre-existing conditions (last 18 months prior to policy) - Hip dysplasia (pets 6+ years at start or previously treated) - Cruciate ligament injuries pre-dating policy - Dental cleaning (unless accident/illness) - Elective/cosmetic procedures - Behavioral/psychological care - Alternative therapies unless incident-related and performed by vet - Complications from excluded conditions |
| Preventive care | - Routine vet checkups - Vaccinations - Preventive medications (flea, tick, heartworm) - Grooming and nail trims - Routine dental cleanings |
| Geographic exclusions | - Pets not living with owner at stated US address - Coverage outside USA except for up to 90 days in Canada |
| Identification/eligibility exclusions | - Pets under 8 weeks or over 14 years at policy start - Pets used for breeding, racing, commercial, or guarding |
| Administrative/legal | - Cloning or genetic testing - Participation in research studies - Acts of war, terrorism, biohazard, civil unrest - Communicable diseases classified as international public health emergencies |
| Other | - Boarding/transportation not medically required - Food, dietary supplements not related to medical event - Illness/injury from lack of required care/vaccinations |
- Hip dysplasia (pets 6+ years at start or previously treated)
- Cruciate ligament injuries pre-dating policy
- Dental cleaning (unless accident/illness)
- Elective/cosmetic procedures
- Behavioral/psychological care
- Alternative therapies unless incident-related and performed by vet
- Complications from excluded conditions
- Vaccinations
- Preventive medications (flea, tick, heartworm)
- Grooming and nail trims
- Routine dental cleanings
- Coverage outside USA except for up to 90 days in Canada
- Pets used for breeding, racing, commercial, or guarding
- Participation in research studies
- Acts of war, terrorism, biohazard, civil unrest
- Communicable diseases classified as international public health emergencies
- Food, dietary supplements not related to medical event
- Illness/injury from lack of required care/vaccinations
Many Pets Prices
ManyPets stands out as a mid-range, fully digital insurer offering broad coverage at competitive prices compared to traditional providers.
Its policies feature up to 80% reimbursement rates, no annual or lifetime limits, and coverage for many high-cost conditions, balancing generous benefits with moderate monthly costs.
The pure digital model helps restrict operational expenses, supporting affordable premiums for both cats and dogs, while maintaining a quick claims process and accessible customer service.
Routine care and preventive services are available as add-ons, positioning ManyPets as a versatile solution for owners who want to tailor protection without significant overpayment.
On the whole, ManyPets’ value-driven approach is well-suited to owners looking for a strong blend of digital convenience and robust protection without paying top-tier prices.
Compare plans and monthly costs below to find the best option for your pet and budget.
| ManyPets Standard Plan | |
|---|---|
| Young cat (2–4 years) | $22–$28/month |
| Senior cat (7–8 years) | $28–$36/month |
| Small breed dog | $28–$35/month |
| Small breed dog (2–4 years) | $28–$32/month |
| Large breed dog (2–4 years) | $38–$48/month |
| Senior dog (7–8 years) | $48–$60/month |
Many Pets Promo Codes
| Many Pets Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% on your quote |
Note: Promo codes are subject to change. For the latest offers, check our comparison of the best pet insurance providers.
Many Pets: Understanding Your Reimbursement
Many Pets reimburses up to 80% of covered veterinary costs for accident and illness claims after you pay your annual deductible, leaving you responsible only for a fraction of the bill.
Emergency surgery for intestinal blockage
Total vet costs: $2,000 (surgery, hospitalization, meds)
Annual deductible amount: $100 (first claim of the year)
Eligible amount after deductible: $2,000 – $100 = $1,900
Reimbursed at 80%: $1,900 × 80% = $1,520
👉 You receive a reimbursement of $1,520; your out-of-pocket cost is $480.
ℹ️ The $100 deductible only applies once per policy year—the rest of the year is subject to reimbursement rate alone.
Chemotherapy for Cancer Cost & Reimbursement
Total vet costs: $3,500 (course of chemo, diagnostics, follow-ups)
Deductible already met earlier in the year
Amount covered at 80%: $3,500 × 80% = $2,800
👉 You are reimbursed $2,800. Out-of-pocket cost: $700.
ℹ️ Once you have paid your annual deductible, only the coinsurance portion applies up to your policy’s annual limit.
Preventive Care Annual Plan with Wellness Add-on Example
Annual wellness expenses: $320 (vaccinations, dental cleaning, flea/heartworm prevention, annual exam)
Wellness plan limit: $300 reimbursed at 100% for preventive care services
👉 You are reimbursed up to $300; your remaining out-of-pocket cost is just $20.
ℹ️ Preventive care is only reimbursed if you add the wellness plan; wellness benefits have an annual dollar cap.
Assistance for Many Pets
| Assistance Many Pets | Available? | Details |
|---|---|---|
| Advance payment | ❌ | No advance payment service; policyholders must pay vets directly and claim reimbursement afterward. |
| Payment facilities | ✅ | Monthly premium payments by credit card or bank withdrawal; no specific short-term payment installment feature disclosed. |
| Mobile app | ❌ | N.C.; no official Many Pets app is available for US. Claims and account management must be done via website or email. |
| Paperless claims process | ✅ | Claims can be submitted online or by email; fast review; documents uploaded electronically; most claims reimbursed by direct deposit. |
| Emergency vet service | ❌ | No integrated 24/7 emergency vet helpline or teleconsultation is offered through the insurance itself. |
| Vet/clinic partner network | ❌ | No preferred or partner vet network; customers can visit any licensed vet in the US. |
| Coverage abroad | ✅ | Insured for travel with the owner in the US and Canada (up to 90 consecutive days); not valid for long-term or global stays. |
Customer Reviews of Many Pets
| Review platform | Rating and number of reviews |
|---|---|
| Trustpilot | 4.4/5 (2,439 reviews) |
We analyzed reviews from the sites listed above. On the positive side, customers who subscribed to Many Pets for their pets often mention:
- ✅ A fast, simple, and intuitive claims process, with many users receiving reimbursements within a few days.
- ✅ A transparent subscription process and clear policy terms, making coverage expectations easy to understand.
- ✅ Competitive premiums and the absence of price increases after submitting a claim.
- ✅ The ability to use any licensed veterinarian, without network restrictions, is highly valued.
- ✅ Pleasant and responsive customer service teams, especially when handling complex cases.
On the negative side:
- ❌ A problematic transition to Odie for some customers, with confusion over coverage continuity and increased premiums.
- ❌ Denial of certain claims, especially for medication reimbursement or as a result of the policy transfer.
- ❌ Difficulties reaching customer service during periods of heavy demand or after the transfer process began.
- ❌ Technical or administrative issues resulting in unexpected loss of coverage for a few policyholders.
- ❌ A lack of an integrated emergency helpline or telemedicine option, which some customers would expect from a top insurer.
Contacting Many Pets
| Many Pets Customer Service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe pet insurance comparison tool, choose the plan that suits you, and click to get a quote. |
| To request and track a reimbursement | File a claim by email at [email protected] or through Many Pets' online portal. Required documents: paid veterinary invoice, diagnostic details, and 18-month medical history (for first claim). Payment by direct deposit or check; most claims processed within 10 days. |
| To obtain a certificate of insurance | Contact customer support at [email protected] or call 1-888-978-5291. Include your policy number and specify your request; documents can be sent by email or mail to P.O. Box 140855, Orlando, FL 32814-0855, United States. |
| To contact assistance | General assistance: [email protected] or phone 1-888-978-5291. For claims assistance: [email protected]. Mail: P.O. Box 140855, Orlando, FL 32814-0855, United States. |
| To cancel my policy | Email [email protected] with your policy details and request cancellation. Or call customer service at 1-888-978-5291. No notice period required; cancellation is at any time free of charge. Include your full name, policy number, and reason for cancellation. |
Required documents: paid veterinary invoice, diagnostic details, and 18-month medical history (for first claim).
Payment by direct deposit or check; most claims processed within 10 days.
or call 1-888-978-5291.
Include your policy number and specify your request; documents can be sent by email or mail to P.O. Box 140855, Orlando, FL 32814-0855, United States.
or phone 1-888-978-5291.
For claims assistance: [email protected].
Mail: P.O. Box 140855, Orlando, FL 32814-0855, United States.
Or call customer service at 1-888-978-5291.
No notice period required; cancellation is at any time free of charge.
Include your full name, policy number, and reason for cancellation.
FAQ
Do I have to pay upfront for veterinary fees with Many Pets?
Yes, you must pay your veterinarian directly at the time of service, then submit a claim to Many Pets for reimbursement. Many Pets does not currently offer direct payment or an advance payment system to the vet. All reimbursements are paid directly to you after your claim is approved. Processing generally takes less than 10 days once all documents are received.
How do I cancel my pet insurance policy with Many Pets?
You can cancel your policy at any time by contacting Many Pets customer service by phone or email. No notice period is required, and no cancellation fees apply. You should provide your policy number and confirmation of your request in writing for faster processing. If you cancel within the first 30 days and have not made a claim, you’ll receive a full refund.
What does Many Pets pet insurance cover?
Many Pets provides coverage for both accidents and illnesses, including hospitalization, surgery, diagnostic tests, and a wide range of treatments prescribed by a licensed veterinarian. Prescription medications are also covered, as are hereditary and congenital conditions when not pre-existing. Optional wellness add-ons are available for routine care, such as vaccinations and dental cleanings. Certain services like grooming and pre-existing conditions are excluded.
How are claims submitted and reimbursed?
Claims can be filed easily online or by email, and you’ll need to provide a paid vet invoice, diagnostic notes, and, for your first claim, your pet’s medical records from the previous 18 months. Once your claim is approved, reimbursement is paid by direct deposit or check, typically within 10 days. There is an annual deductible, and you choose your reimbursement percentage when enrolling. Claims must be sent within 180 days of treatment.
Can I visit any vet with Many Pets, and is there a network?
There are no vet network restrictions with Many Pets; you’re free to visit any licensed veterinarian in the US or even worldwide for temporary travel (up to 90 days in Canada). Covered services are determined by the policy terms, but you don’t need to worry about finding a particular network provider. This flexibility allows you to choose specialists and emergency vets as needed. Just remember to keep original invoices and submit them as part of your claims process.
Do I have to pay upfront for veterinary fees with Many Pets?
Yes, you must pay your veterinarian directly at the time of service, then submit a claim to Many Pets for reimbursement. Many Pets does not currently offer direct payment or an advance payment system to the vet. All reimbursements are paid directly to you after your claim is approved. Processing generally takes less than 10 days once all documents are received.
How do I cancel my pet insurance policy with Many Pets?
You can cancel your policy at any time by contacting Many Pets customer service by phone or email. No notice period is required, and no cancellation fees apply. You should provide your policy number and confirmation of your request in writing for faster processing. If you cancel within the first 30 days and have not made a claim, you’ll receive a full refund.
What does Many Pets pet insurance cover?
Many Pets provides coverage for both accidents and illnesses, including hospitalization, surgery, diagnostic tests, and a wide range of treatments prescribed by a licensed veterinarian. Prescription medications are also covered, as are hereditary and congenital conditions when not pre-existing. Optional wellness add-ons are available for routine care, such as vaccinations and dental cleanings. Certain services like grooming and pre-existing conditions are excluded.
How are claims submitted and reimbursed?
Claims can be filed easily online or by email, and you’ll need to provide a paid vet invoice, diagnostic notes, and, for your first claim, your pet’s medical records from the previous 18 months. Once your claim is approved, reimbursement is paid by direct deposit or check, typically within 10 days. There is an annual deductible, and you choose your reimbursement percentage when enrolling. Claims must be sent within 180 days of treatment.
Can I visit any vet with Many Pets, and is there a network?
There are no vet network restrictions with Many Pets; you’re free to visit any licensed veterinarian in the US or even worldwide for temporary travel (up to 90 days in Canada). Covered services are determined by the policy terms, but you don’t need to worry about finding a particular network provider. This flexibility allows you to choose specialists and emergency vets as needed. Just remember to keep original invoices and submit them as part of your claims process.
