Is Many Pets Pet Insurance Worth It? Our Review 2025
Our expert's opinion on Many Pets
ManyPets stands out in the US pet insurance market for its clear, comprehensive coverage and streamlined claims process, capped by a rare unlimited annual reimbursement option and no enrollment, interest, or claims handling fees. Its contract features a single robust accident and illness plan, with up to 90% reimbursement, annual deductibles starting from $100, and optional add-ons for wellness and preventive care—positioning ManyPets as a strong contender for owners seeking simple, high-value coverage. Pricing starts at $28/month for dogs and $22/month for cats, placing it at an accessible level compared to premium competitors like Fetch and Spot; ManyPets particularly shines for offering fast claims management (most within 48 hours) and no penalty for claim frequency. The provider is best suited for owners of young to middle-aged pets, pedigree breeds, and customers wanting minimal payment delays or concerned with high veterinary costs, although older pets (14+) cannot be newly enrolled. ManyPets’ US operations are managed by Digital Affect Insurance and Bought By Many Inc., with solid financial backing and a fast-growing presence since 2021. Trustpilot confirms this positive image, with a 4.4/5 rating from 2,439 reviews highlighting ease of digital claims, clear contracts, and efficient payouts, with most claims handled in under 10 days, considerably faster than the industry median. While recent exits from some states and portfolio transfers have generated client frustration, overall reliability remains strong to date.
- No annual or lifetime reimbursement limits
- High reimbursement rate up to 90%
- Quick claims payouts, often under 48 hours
- Digital, highly simplified claims process
- No penalty for multiple claims in a year
- Transparent pricing, no hidden or admin fees
- Optional wellness add-on for routine/preventive care
- Price increases with pet’s age
- Not available to pets over 14 at signup
- Some recent disruption with US policy transfers
- No coverage for pre-existing conditions or routine dental
- No multi-tier plans—single accident/illness formula
- Many Pets guarantees
- Many Pets exclusions
- Many Pets prices
- Estimated monthly premiums for ManyPets (accident & illness coverage)
- Many Pets Assistance
- Customer feedback on Many Pets
- How can I contact Many Pets?
- FAQ
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Many Pets guarantees
ManyPets positions itself with a single, highly comprehensive Accident & Illness plan for cats and dogs, offering customizable reimbursement rates (commonly up to 80% or 90%) and annual deductibles, with no annual or lifetime coverage limits—an exceptional advantage compared to most U.S. competitors. The contract covers medical acts strictly when prescribed by a veterinarian, including diagnostics, surgery, hospitalization, medication, and certain alternative therapies, while the optional Wellness add-on reimburses preventive care such as vaccines or dental cleaning. Notable strengths are the very rapid (
| Guarantee Name | ManyPets US – Accident & Illness Plan |
|---|---|
| Formula positioning | Single comprehensive plan, Accident & Illness, add-on Wellness option |
| Coverage type | Accident & Illness coverage |
| Covered animals | Cats and dogs (companions or assistance, non-commercial) |
| Reimbursement level (%) | Up to 80% or 90% chosen at sign-up |
| Annual reimbursement limit | No annual or lifetime limit |
| Deductible (annual/per claim) | Deductible annual, at least $100 (precise value by contract) |
| Min/Max age to enroll – Cats | Min 8 weeks, max 14 years at subscription |
| Min/Max age to enroll – Dogs | Min 8 weeks, max 14 years at subscription |
| Health questionnaire required? | No pre-enrollment exam, but 18-month history required for first claim |
| Waiting period – Illness | 15 days after enrollment |
| Waiting period – Accident | 15 days after enrollment |
| Lifetime guaranteed once enrolled? | Renewable yearly, not explicit “for life” after max age |
| Vet consultations (standard, emergency, specialty) | Covered if medically necessary, per vet prescription |
| Prescription drugs | Covered if prescribed by vet and FDA-approved |
| Hospitalization | Covered for necessary medical care |
| Ambulance fees | Not specified (NC) |
| Surgery, anesthesia | Covered if medically necessary, not elective |
| Scans, MRI, ultrasounds | Covered if medically necessary |
| Lab analyses | Covered |
| Radiotherapy | Cancer treatment covered if medically indicated |
| Dentistry (care) | Excludes preventive; illness/injury-related treatment only |
| Scaling (dental cleaning) | Not covered except via Wellness add-on |
| Preventive wellness benefit | Only with paid Wellness add-on (includes vaccines, dental, parasite prevention, supplements) |
| Alternative/holistic medicine | Covered if prescribed, provided by a licensed vet |
| Prescription diet (therapeutic food) | Not covered |
| Covered countries/travel | U.S. + up to 90 days emergency care in Canada |
| Death/cremation | Covered if recommended by vet |
| Euthanasia | Covered if prescribed by vet for medical reasons |
| Theft/loss and search & rescue expenses | Not covered |
| Boarding fees (pet sitting) | Not covered |
Good to know
Plan configuration (deductible, reimbursement rate) and eligibility may vary by state or age; clients can request quotes in
Many Pets exclusions
The ManyPets contract applies standard exclusions (pre-existing conditions, routine or preventive care, elective and cosmetic procedures), but some points are especially noteworthy. Conditions pre-diagnosed or treated within 18 months before enrollment, including all symptoms during the waiting period, are categorically excluded, with no coverage reinstatement possible even for similar future incidents. Notably, hip dysplasia is never covered for pets enrolled at age 6 or older, or with any prior sign, and cruciate ligament injuries are comprehensively excluded for previously affected limbs, a strictness exceeding most competitors. No claims are permitted for alternative therapies not performed by a licensed veterinarian or not directly linked to accident/illness, and any lapse in routine care (annual checkups, vaccines, parasite prevention) nullifies associated claim eligibility. Additional exclusions apply for commercial use animals, experimental or genetic procedures, and any costs linked to war, pandemics, or nuclear events.
| Exclusions | Details |
|---|---|
| Medical exclusions | - Pre-existing conditions (diagnosed/treated in 18 months prior or during waiting period) - Symptoms or findings in the waiting period - Chronic/recurring issues from prior conditions - Hip dysplasia for pets ≥6 years or with prior signs - Cruciate ligament injuries in any previously affected limb - Injuries or illness from neglect of preventive care (vaccines, annual checkup, dental care, parasite control) - Hereditary/congenital if pre-existing |
| Routine, preventive & elective care | - Routine checkups - Preventive care, vaccinations, dental cleanings - Diets, supplements, vitamins - Grooming, nail trims, ear cleaning - Anal gland expression - Spaying/neutering |
| Behavioral and alternative therapies | - Behavioral therapy, behavioral medication - Alternative therapies not performed by a licensed vet or not for accident/illness (e.g., hydrotherapy, homeopathy, laser, herbal, acupuncture unless by vet and medically necessary) |
| Cosmetic & elective procedures | - Tail/ear docking, declawing - Cosmetic procedures - Microchipping |
| Geographic & administrative exclusions | - Care outside US/Canada (after 90 days abroad) - Animals not resident at policy address - Ownership transfer without insurer approval |
| Age & eligibility | - Animals under 8 weeks or over 14 years at enrollment |
| Commercial, research, and legal exclusions | - Animals for commercial purpose (breeding, racing, guarding, etc.) - Experimental/genetic (cloning, gene testing, clinical trials) - Claims due to war, terrorism, nuclear/radiological/biological events, pandemics |
- Symptoms or findings in the waiting period
- Chronic/recurring issues from prior conditions
- Hip dysplasia for pets ≥6 years or with prior signs
- Cruciate ligament injuries in any previously affected limb
- Injuries or illness from neglect of preventive care (vaccines, annual checkup, dental care, parasite control)
- Hereditary/congenital if pre-existing
- Preventive care, vaccinations, dental cleanings
- Diets, supplements, vitamins
- Grooming, nail trims, ear cleaning
- Anal gland expression
- Spaying/neutering
- Alternative therapies not performed by a licensed vet or not for accident/illness (e.g., hydrotherapy, homeopathy, laser, herbal, acupuncture unless by vet and medically necessary)
- Cosmetic procedures
- Microchipping
- Animals not resident at policy address
- Ownership transfer without insurer approval
- Experimental/genetic (cloning, gene testing, clinical trials)
- Claims due to war, terrorism, nuclear/radiological/biological events, pandemics
Many Pets prices
Overall, ManyPets positions itself in a competitive to median price segment, offering broad reimbursement coverage (typically up to 80% and, in some options, unlimited annual caps) but focusing primarily on illness and accident—with wellness plans only as an add-on.
Being a pure digital player with entirely online management, ManyPets reduces traditional overhead costs, which is partly reflected in their affordable entry-level pricing for cats and dogs.
Guarantees are extensive for core risks (including diagnostics, hereditary conditions, chronic illnesses, and even advanced treatments) but routine and preventive care remain excluded unless the wellness option is added—this explains why premiums stay below the “premium all-inclusive” segment.
Annual deductibles and flexibility on franchise/reimbursement rates help maintain a good balance between coverage depth and cost containment.
In summary, ManyPets is an attractive choice for pet owners seeking robust medical coverage at a fair cost, without the highest prices or the very broadest service, and stands out for its user-friendly, digital claims process compared to more traditional competitors.
Estimated monthly premiums for ManyPets (accident & illness coverage)
| Accident & Illness | |
|---|---|
| Young Cat (2-4 years) | $22/month |
| Older Cat (7-8 years) | $35/month |
| Small Dog (2-4 years) | $28/month |
| Large Dog (2-4 years) | $39/month |
| Senior Dog (7-8 years) | $52/month |
Compare several pet insurers now to ensure you get the lowest possible premium adapted to your animal’s profile and needs!
👉 Compare the best pet insurance for your furry friend for free!Start Your Free Comparison Now!Many Pets promo codes
| Many Pets Promo Codes | Details |
|---|---|
| HelloSafe Promo Code | -5% off your quote |
Note: Promo codes may change. For the latest codes, please visit our pet insurance comparison.
How much will I be reimbursed with Many Pets?
| Veterinary care | Average price (US$) | ManyPets coverage (80% reimbursement formula, unlimited annual coverage, excluding annual deductible) |
|---|---|---|
| Veterinary consultation | $80 | Reimbursed $64 Out-of-pocket: $16 (excluding deductible) |
| Fracture (emergency treatment) | $2,000 | Reimbursed $1,600 Out-of-pocket: $400 (excluding deductible) |
| Urinary tract infection (complete treatment) | $400 | Reimbursed $320 Out-of-pocket: $80 (excluding deductible) |
| Neutering / spaying | $350 | Not covered Out-of-pocket: $350 |
| Annual vaccines | $120 | Not covered Out-of-pocket: $120 |
Out-of-pocket: $16 (excluding deductible)
Out-of-pocket: $400 (excluding deductible)
Out-of-pocket: $80 (excluding deductible)
Out-of-pocket: $350
Out-of-pocket: $120
Many Pets Assistance
The assistance package offered by ManyPets for US pet owners stands out for its fast and digital claim management, enabling most reimbursements to be processed within 48 hours and allowing 100% online filing.
No advance payment solution at the clinic is available, making owners responsible for paying the vet and awaiting reimbursement.
There is no dedicated mobile app, which remains a noticeable gap versus key competitors and may affect digital experience and instant tracking.
ManyPets does not operate a 24/7 emergency helpline, nor does it offer its own partner veterinary network, but grants freedom to select any licensed vet in the US (and for short stays in Canada).
Temporary international coverage is limited to up to 90 days in Canada, with no assistance for longer periods or other destinations.
| Assistance Many Pets | Disponible ? | Détails |
|---|---|---|
| Advance payment (e.g. Payvet) | ❌ | Owners must pay upfront at the vet and request reimbursement online. No clinic partnership for advance settlement. |
| Payment facilities | ❌ | No offer of installments or interest-free payment for premiums reported. |
| Mobile app | ❌ | No proprietary mobile app. Claims and management occur via the website. Noted absence compared to sector leaders. |
| Digital claims handling | ✅ | Fully online via website or email, claims processed in under 48h for most cases, with status tracking by email. |
| Veterinary emergency | ❌ | No 24/7 emergency hotline or integrated teleconsultation, only standard customer support hours apply. |
| Clinical/veterinary partner network | ❌ | No recommended network; insured can use any licensed US or Canadian vet (for stays ≤90 days in Canada). |
| Overseas coverage | ✅ | Coverage for up to 90 consecutive days in Canada. Not insured elsewhere or for longer travels. |
Customer feedback on Many Pets
| Review Site | Rating and Number of Reviews |
|---|---|
| Trustpilot | 4.4/5 (2,439 reviews) |
| Forbes Advisor | 5/5 (editorial rating, 2023) |
| ManyPets.com (site) | 4.5/5 (user-reported, not audited) |
We have analyzed the reviews from the sources listed above. On the positive side, policyholders who have subscribed to a ManyPets pet insurance contract most frequently note:
- The speed and simplicity of claim reimbursement: most claims are processed and paid out quickly, often within 48 hours, with a digital journey that is considered easy and transparent.
- The responsive and accessible customer service: clients appreciate being able to reach a real person easily, with helpful phone support and human follow-up in stressful times.
- The clarity of contracts and straightforward coverage explanations: many users feel reassured by clear policy documents and the absence of hidden fees or unclear exclusions.
- The absence of a claim-based price penalty: customers are satisfied that filing claims does not lead to automatic premium increases.
- The flexibility to choose any licensed veterinarian: there are no network restrictions, and claims can be submitted from any clinic.
- The ability to insure animals with high veterinary expenses: high-value claims are paid, and the coverage limit is often perceived as generous or unlimited.
On the negative side:
- The increase in premium rates as the pet ages, sometimes rising sharply with little warning, is a common source of dissatisfaction.
- The forced transfer of policies to another insurer (Odie) as ManyPets withdraws from the US market has caused significant outrage, especially when the new conditions are less favorable or service quality drops.
- The lengthier processing times for large or complex claims, with some customers reporting long waits or additional paperwork for very high vet bills.
- Issues with communication and technical glitches disrupting accident coverage or policy access, particularly around the transition period in 2024.
- The feeling of abandonment and loss of trust after the company’s strategic exit, with challenges in getting prior guarantees honored by the new insurer.
- The refusal or low reimbursement of some preventive medications, and criticisms that some claims are denied or delayed on technicalities.
How can I contact Many Pets?
| Many Pets customer service | Details |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe best pet insurance comparator, choose the plan that suits you and click to get a quote. Alternatively, go directly to www.manypets.com to get a personalized quote (immediate response, no commitment). |
| To request and track a reimbursement | Submit the request online in your ManyPets customer area or send an email to [email protected]. Documents to attach: - Paid veterinary invoice - Diagnosis details - Medical history of the pet for the past 18 months (mandatory for first claim) Maximum submission period: 180 days after care. Payment method: usually by bank transfer/direct deposit. Average processing time: within 10 days (often within 48h if the file is complete). Contact if needed: [email protected] or 1-888-978-5291. |
| To obtain a certificate of insurance | Request by email at [email protected] or by phone at 1-888-978-5291. Provide your contract number and pet details to receive the certificate by email (default) or by mail to the registered address. |
| To contact assistance | Contact: - By phone at 1-888-978-5291 (ManyPets customer service, claims, contracts, support) - By email at [email protected] - Website: www.manypets.com, contact section Assistance also available via social networks @manypets.us. |
| To cancel my contract | Cancellation possible at any time without fees or notice. Send your request by email to [email protected] or call at 1-888-978-5291. No proof required. Remember to provide: your contact details, contract number or pet's name. If exercising withdrawal right (within 30 days with no claim), you can obtain a full refund of premiums. Mailing address for registered mail: ManyPets Inc., P.O. Box 140855, Orlando, FL 32814-0855, USA. |
Alternatively, go directly to www.manypets.com to get a personalized quote (immediate response, no commitment).
Documents to attach:
- Paid veterinary invoice
- Diagnosis details
- Medical history of the pet for the past 18 months (mandatory for first claim)
Maximum submission period: 180 days after care.
Payment method: usually by bank transfer/direct deposit.
Average processing time: within 10 days (often within 48h if the file is complete).
Contact if needed: [email protected] or 1-888-978-5291.
Provide your contract number and pet details to receive the certificate by email (default) or by mail to the registered address.
- By phone at 1-888-978-5291 (ManyPets customer service, claims, contracts, support)
- By email at [email protected]
- Website: www.manypets.com, contact section
Assistance also available via social networks @manypets.us.
Send your request by email to [email protected] or call at 1-888-978-5291.
No proof required.
Remember to provide: your contact details, contract number or pet's name.
If exercising withdrawal right (within 30 days with no claim), you can obtain a full refund of premiums.
Mailing address for registered mail: ManyPets Inc., P.O. Box 140855, Orlando, FL 32814-0855, USA.
FAQ
Do I have to pay the vet bills upfront with ManyPets?
With ManyPets, you must pay your veterinary bills directly to your chosen veterinarian at the time of service. ManyPets does not offer a direct-pay or third-party payment service (like Payvet), so you will need to submit your paid invoice for reimbursement after the visit.
How do I cancel my ManyPets pet insurance policy?
You can cancel your ManyPets policy at any time without cancellation fees by contacting customer service via email ([email protected]) or phone (1-888-978-5291). There’s no specific notice period required—just provide your policy details and a written request. No extra documents are usually needed unless requested by ManyPets.
What does ManyPets pet insurance cover?
ManyPets covers veterinary expenses for accidents and illnesses, including consultations, diagnostics, hospitalization, surgeries, prescribed medications, and certain alternative therapies performed by licensed vets. Preventive care, routine exams, and wellness are not included unless you purchase an optional wellness plan.
Are pre-existing conditions covered by ManyPets?
Pre-existing conditions are not covered by ManyPets. These are illnesses or injuries noticed or treated within the 18 months before your policy starts or during the waiting period. Only new accidents and illnesses that occur after your waiting period are eligible for reimbursement.
How fast does ManyPets reimburse claims and how do I file?
Claims are generally processed within 10 days of submitting your complete documentation, with most simple claims paid even faster. To file, submit your paid invoice, diagnosis details, and—if it’s your first claim—your pet’s 18-month medical history via their online portal or by email to [email protected].
Do I have to pay the vet bills upfront with ManyPets?
With ManyPets, you must pay your veterinary bills directly to your chosen veterinarian at the time of service. ManyPets does not offer a direct-pay or third-party payment service (like Payvet), so you will need to submit your paid invoice for reimbursement after the visit.
How do I cancel my ManyPets pet insurance policy?
You can cancel your ManyPets policy at any time without cancellation fees by contacting customer service via email ([email protected]) or phone (1-888-978-5291). There’s no specific notice period required—just provide your policy details and a written request. No extra documents are usually needed unless requested by ManyPets.
What does ManyPets pet insurance cover?
ManyPets covers veterinary expenses for accidents and illnesses, including consultations, diagnostics, hospitalization, surgeries, prescribed medications, and certain alternative therapies performed by licensed vets. Preventive care, routine exams, and wellness are not included unless you purchase an optional wellness plan.
Are pre-existing conditions covered by ManyPets?
Pre-existing conditions are not covered by ManyPets. These are illnesses or injuries noticed or treated within the 18 months before your policy starts or during the waiting period. Only new accidents and illnesses that occur after your waiting period are eligible for reimbursement.
How fast does ManyPets reimburse claims and how do I file?
Claims are generally processed within 10 days of submitting your complete documentation, with most simple claims paid even faster. To file, submit your paid invoice, diagnosis details, and—if it’s your first claim—your pet’s 18-month medical history via their online portal or by email to [email protected].
