ManyPets summary
Pros
- No coverage limits
- Covers all licensed US vets
- Processes 99% of claims within 48 hours
Cons
- Available in Illinois only
- 24/7 support not available
- Only covers dogs and cats
Editorial score
Online experience
Great site with learning resources
Customizable rates and services
Customizable plans and rates, 50-90% reimbursement, no upper age limit
Claims payout waiting period
Days
Customer support
Evening and weekend customer service available
Bundles
Multiple bundles available
What Does it Cover
ManyPets covers your pet’s health care costs in the event of an accident or illness, which includes cancer and dental issues.
Your pet may also be covered for hip dysplasia, but this will depend on the circumstances. If you’re concerned about this condition, it’s worth checking with ManyPets to make sure that you’d be fully protected.
Your policy will cover the following treatments:
- Diagnostics
- Medications
- Procedures
- Hospitalizations
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, with the exception of cruciate ligament injury.
Insurance Plans & Pricing
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.
We entered the information for a 2-year-old female Golden retriever and received a quote of $55.52 per month in June 2021 in Illinois. This quote assumes a deductible of $250 and a 90% reimbursement rate.
We also entered the details for a 5-year-old mixed-breed male cat and received a quote of $19.70 per month in June 2021 in Illinois. This quote assumes a deductible of $500 and an 80% reimbursement rate.
You should note the prices listed here are subject to change.
What is Not Covered
If you take out a policy with ManyPets, the following exclusions will apply:
- Cosmetic/elective procedures
- Non-FDA approved medications
- Prescription diet
- Behavioral medication/therapy
- Pet daycare, boarding, or grooming
Although ManyPets doesn’t cover preventative care as a standard feature, you can access this type of coverage through a wellness add-on.
Waiting Periods
After you take out a policy, you’ll need to wait a minimum of 15 days before you can make a claim, although ManyPets may waive this waiting period if you switch from an alternative provider and can prove you had another policy in place within the previous 24 hours.
Coverage Limits
ManyPets has no maximum coverage limits on its policies.
Reimbursement and deductibles
When you take out a policy, you can select the level of deductible you will pay if you need to make a claim—with amounts ranging from $0 to $750.
To see an indication of the impact different deductibles could have on premium costs, we ran a series of quotes on a 3-year-old female Labrador mix, choosing a 90% reimbursement rate. We varied only the deductible each time.
| Deductible | Monthly premium |
|---|---|
| $0 | $117.19 |
| $250 | $62.05 |
| $500 | $45.04 |
We repeated this process for a 5-year-old male Abyssinian cat.
| Deductible | Monthly premium |
|---|---|
| $250 | $28.31 |
| $500 | $20.55 |
| $750 | $15.51 |
These quotes were received in June 2021 in Illinois, and rates are subject to change.
Claims and Service
If your pet is ill or injured, you can take him or her to any licensed vet. To make a claim, you’ll then need to email ManyPets with a copy of the invoice from your vet, your treatment receipt, and your pet’s medical records for the past 18 months.
ManyPets purports to process 99% of all accident and illness claims within 48 hours, although this period may be longer if the company requires any additional details. Once your claim is approved, ManyPets will make a payment to you within 24 business hours.
Should you have a question regarding your policy, you can contact the company’s customer service team by phone or email. Its support hours are 9 am-5 pm CST, Monday-Friday.
When we tried the site, we found the quote process extremely straightforward and received the information we needed within minutes.
What You Might Like
If you have an interest in sustainability, ManyPets’ blog contains advice for those keen to cut the carbon footprint of pet ownership. Likewise, there are tips specific to the Illinois area, which brings a genuine sense of community to the website.
What ManyPets Could do Better
As the company only provides coverage for dogs and cats and is currently available solely in Illinois, it will not be suitable for those with other pets or who live in other states.
Contact Details and Address
3631 Chamblee Tucker Rd, #941818, Atlanta, GA, 31141
T: (888) 978 5291
Bottom Line
Providing coverage exclusively for dogs and cats based in Illinois, ManyPets doesn't cater to a wide customer base. For eligible customers, however, the company has plenty working in its favor. We were particularly impressed by its unlimited payout limits and claim to process 99% of cases within 48 hours. It is also worth noting that ManyPets plans to roll out its services in all 50 states by the end of the year.
Methodology
This review was compiled using information from ManyPet's website and by emailing its customer support team.
Oxford graduate Katy Ward is a seasoned journalist and editor covering personal finance and software topics for Eleven Writing and Top10. Over a 15-year career, Katy has worked with several finance titans, including Barclays, Tandem Bank, and Yahoo! Finance. She writes for BestMoney and enjoys helping readers make sense of the options on the market.
