ManyPets Pet Insurance Review 2024

ManyPets insurance has a 15-day waiting period for all conditions.
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Written by Cassidy Horton
Writer
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Edited by Sarah Schlichter
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ManyPets

ManyPets Pet Insurance
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NerdWallet rating 

4.0

/5
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on Money.com

Annual max coverage

Unlimited

Reimbursement rates

70%, 80%

Deductibles

$250 - $1,000

Policy highlight

Waives the waiting fee if you switch from another insurer.

Pros

  • Accident and illness policies have unlimited annual coverage.
  • Live customer support chat available.
  • 15-day waiting period for orthopedic issues is shorter than that of many other insurers.
  • No waiting period if your pet is switching from another policy.

Cons

  • No option to pay your vet directly.
  • No hip dysplasia coverage for pets enrolled after age 5.
  • Wellness plans don’t reimburse for spay/neuter surgery or microchipping.

ManyPets offers comprehensive coverage for pet owners with short waiting periods for orthopedic conditions.

About ManyPets pet insurance

4.0

NerdWallet rating 

ManyPets earned 4 stars out of 5 for overall performance. It offers customer support via live chat customer support and will waive its waiting period if you’re switching to ManyPets from another pet insurance provider.

Unlike many of its competitors, ManyPets doesn’t have a separate, multi-month waiting period for orthopedic conditions like knee injuries or hip dysplasia. Coverage for these and all other conditions begins 15 days after you buy your policy.

ManyPets insurance was founded in 2012.

Strengths: ManyPets has a comprehensive accident and illness plan that includes coverage for exam fees and dental disease treatment — two items not always covered by other plans.

Weaknesses: ManyPets doesn’t cover prescription food or behavioral modification. It also doesn’t have an accident-only plan, and its wellness package won’t pay for spaying or neutering.

Plans and coverage

ManyPets offers a single accident and illness plan with the option to add preventive care coverage.

Note: Coverage options and availability may vary depending on where you live and the age and breed of your pet.

Accident and illness

The ManyPets accident and illness plan has no annual coverage limit. This plan can reimburse you for:

  • Sick visit exam fees.

  • Vet specialist and ER visits. 

  • Prescribed medications.

  • Treatment for illnesses including cancer, dental diseases and hereditary conditions. 

  • Treatment for pre-existing conditions that have been symptom- and treatment-free for at least 18 months. 

  • Diagnostic tests. 

  • Rehabilitation, acupuncture and chiropractic treatments.

  • Surgeries.

  • Hospitalization.

  • Euthanasia and cremation.

Wellness plan

You can add an optional wellness plan to get reimbursed for preventive care expenses. The ManyPets wellness plan has a total annual benefit of $600. It covers:

  • Checkups and vaccines, up to $150 per year.

  • Parasite testing and prevention, up to $150 per year. 

  • Teeth cleaning, dental chews and other oral care expenses, up to $150 per year. 

  • Vitamins, supplements, and services such as acupuncture or massage, up to $150 per year. 

What’s not covered

A ManyPets accident and illness plan won’t pay for:

  • Pre-existing conditions, unless your pet has been symptom-free without treatment for at least 18 months.

  • Routine care, unless you’ve added a wellness plan.

  • Hip dysplasia, if you enrolled your pet after age 5 or the animal has previously been diagnosed with this condition.

  • Behavioral modification treatments.

  • Anal gland expression.

  • Breeding, pregnancy or giving birth.

  • Sickness or injury due to neglect, racing or guarding.

  • Cosmetic procedures like tail docking or dew claw removal.

  • Treatment of cruciate ligament problems if your pet has had prior cruciate ligament injuries to any leg before the start of the policy.

The ManyPets wellness plan doesn’t cover the following (some of which other companies’ preventive care packages will cover):

  • Spay or neuter surgery.

  • Microchipping.

  • Blood tests.

  • Training.

  • Grooming services.

  • Prescription diet food.

Plan options

Deductibles: A pet insurance deductible is the amount you have to pay before your plan reimburses you for vet expenses. For the ManyPets accident and illness plan, deductible options may range from $250 to $1,000 per year, though not all pets have the same choices.

Wellness plans have no deductible.

Reimbursement amounts: ManyPets will reimburse you for a certain percentage of vet expenses, minus your deductible. With ManyPets plans, you can generally choose between a 70% and 80% reimbursement rate.

ManyPets first applies its reimbursement rate to your vet bills, then your deductible. This is a less generous method of payment than that of some other pet insurers. Say you have a $1,000 vet bill, an 80% reimbursement rate and a $500 deductible. ManyPets will deem $800 of your bill reimbursable (80% of $1,000), then subtract the $500 deductible from your payout. That leaves ManyPets paying $300 and you covering the remaining $700.

Companies that apply the deductible first would pay $400 of the same vet bill. Here’s the math: $1,000 vet bill - $500 deductible = $500. 80% of the remaining $500 vet bill = $400.

Learn more about pet insurance deductibles.

Reimbursement percentages don’t apply to the ManyPets wellness plan.

Coverage limits: ManyPets has no annual coverage limit for its accident and illness plan. Its wellness plan can pay up to $600 per year.

Restrictions and waiting periods

Age restrictions: New policies are available to pets between the ages of 8 weeks and 14 years. Once enrolled, your pet won’t be denied coverage due to age as long as your policy stays active. You must enroll pets before age 6 for hip dysplasia coverage.

Waiting periods: A waiting period is the time between when you buy your policy and when your coverage starts. ManyPets has a 15-day waiting period in most states for accident and illness coverage. Wellness coverage begins the day after purchase.

Sample rates

The cost of ManyPets pet insurance depends on where you live and your pet’s age and breed. Below are sample monthly rates from ManyPets for six common dog breeds at ages 2 and 8. Sample pets lived in Katy, Texas, and had accident and illness coverage with a $250 deductible, unlimited annual coverage and an 80% reimbursement rate. Your own price will vary.

Breed

Age 2

Age 8

French bulldog

$131

$312

German shepherd

$71

$168

Golden retriever

$62

$148

Labrador retriever

$69

$165

Medium mixed-breed dog

$41

$97

Poodle

$56

$133

We also gathered rates for a variety of cat breeds with the same coverage limits as above. Rates below are sample monthly premiums for cats living in Katy, Texas.

Breed

Age 2

Age 8

Devon rex

$31

$59

Domestic shorthair

$27

$53

Exotic longhair

$28

$54

Maine coon

$30

$58

Persian

$30

$57

Ragdoll

$28

$53

Discounts

ManyPets doesn’t advertise any pet insurance discounts.

State availability

ManyPets pet insurance is available in Washington, D.C., plus all states except Hawaii, Idaho, Maine, Massachusetts and Minnesota.

Availability may change at any time. Coverage may not be available to all pets in a given state.

Consumer experience

Website: The ManyPets website is easy to use. You can get a free quote and enroll your pet, plus browse FAQs to get answers to your questions. The website also has sample policies if you’d like to review details before you purchase a plan.

App: The ManyPets mobile app is available for both iOS and Android. You can use the app to submit and track claims, view benefit information, refer friends, and watch pet care videos.

Claims: With ManyPets insurance, you pay your vet upfront and get reimbursed after filing a claim. You have 180 days to file a claim from when you pay your vet bill. You can file a claim online or in the mobile app. ManyPets tries to process most accident and illness claims within 8 to 10 business days. You can get your reimbursement via bank deposit or check.

Customer service: The ManyPets customer care team is available by phone at 888-978-5291 and by email at [email protected]. You can also reach out via live chat. The company’s business hours are Monday through Friday from 9 a.m. to 9 p.m. and Saturdays from 10 a.m. to 6 p.m. ET.

Other pet insurance companies to consider

Not ready to make a decision? You may be interested in these other pet insurance companies:

How we review pet insurance

Our writers and editors follow strict editorial guidelines that ensure fairness and accuracy to help you choose the financial products that work best for you. In our pet insurance reviews, we consider coverage, discounts, financial strength ratings from AM Best and more to determine our star ratings.

Our rating system rewards companies that cover a wide range of potential expenses, offer many ways to customize your plan and have a strong financial rating. Within the consumer experience category, we looked at features such as mobile app ratings and whether the company offers direct vet payments. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.

Dive deeper with our criteria for evaluating pet insurance companies.

Frequently asked questions

ManyPets doesn’t cover neutering and spaying for your pet, even under a wellness plan. This is unusual, as many pet insurance companies will reimburse you for spay or neuter surgery if you have a preventive care package. Learn more about which pet insurance companies cover spaying or neutering.

ManyPets covers dental injuries and illnesses as long as they’re not related to a pre-existing condition. If you have a wellness plan, you can get reimbursed up to $150 per year for preventive care like cleanings, dental chews and toothbrushes. Learn more about pet dental insurance.

You can cancel your ManyPets insurance at any time by calling or emailing the company. It will cancel your policy and stop future premium payments. If you aren’t happy with the policy within the first 30 days and haven't made a claim, you can cancel for a full refund in most states.

Methodology

Pet insurance star ratings

NerdWallet’s pet insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, scope of coverage, the ability to customize your plan and more. Our “consumer experience” category looks at factors such as website transparency and mobile app ratings. To calculate each insurer’s star rating, we adjusted the scores to a curved 5-point scale. See our full pet insurance methodology.

These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Pet insurance sample rates

To find sample pet insurance rates, NerdWallet gathered quotes for the base level of accident and illness coverage on each insurer’s website. Quotes reflect the monthly cost of a policy and do not include wellness coverage or other optional add-ons. Each plan for a given company had the same deductible, coverage limit and reimbursement rate for all sample pets.

These are sample rates gathered for specific pets living in Katy, Texas. Your own rates will be different.

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