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ManyPets pet insurance offers comprehensive coverage for dogs and cats at competitive rates. With pet care costs rising across the nation, ManyPets’ unlimited coverage can help keep vet costs down. Business Insider’s personal finance team compared ManyPets to the best pet insurance companies and found it to be a strong offering, but not a standout.
ManyPets Pet Insurance Review
Originally branded as “Bought by Many,” ManyPets Pet insurance offers straightforward pet insurance: one accident and illness plan with an optional wellness plan. Plans are underwritten by Accredited Surety and Casualty Company, which has an A- from AM Best.
ManyPets offers unlimited coverage and comprehensive coverage, covering congenital and genetic conditions. It’s also one of the few pet insurance providers that will cover pre-existing conditions, provided your pet is cured and symptom-free for 18 months.
Stacked against some of the best pet insurance companies, ManyPets also offers competitive premiums for the level of coverage it offers. That said, pet owners who choose ManyPets should be wary of annual premium increases. ManyPets reserves the right to increase premiums according to your pet’s age. While this is common among pet insurance companies, many of the best cheap pet insurance companies guarantee that your pet’s age won’t affect your premiums.
While ManyPets offers hearty protection, it suffers from a lack of flexibility with few options for deductibles and reimbursement. Additionally, pet owners looking for a cheap accident-only plan will have to look elsewhere.
ManyPets is not currently available in all states. Notably, ManyPets is not enrolling new customers in California, Massachusetts, and New York at the moment, where pet care costs are highest. However, your insurance will still cover your pet if your traveling in any state, Washington D.C., or Canada, for up to 90 days.
ManyPets Pet Insurance Plans & Coverage
ManyPets offers one accident an illness plan that offers unlimited coverage. While ManyPets has no breed restrictions, enrolled pets must be between eight weeks old and 14 years old.
Deductible and reimbursement options vary based on location. Generally, you’ll find the following options, with some location-based exclusions:
- Reimbursements: 70% or 80%
- Deductibles: $250, $500, $750, $1,000
Its plans include the following coverages right off the bat:
- Accidents and illnesses
- Congenital and genetic conditions, as long as they’re not pre-existing
- Exams and tests, including diagnostic tests, X-rays, and urinalysis
- Medications prescribed by a veterinarian
- Treatments and surgeries ordered by a veterinarian
- Hospitalizations
ManyPets’ accident and illness coverage has a 15-day waiting period before coverage begins.
Additional Coverage Options from ManyPets
ManyPets Pet insurance offers one wellness care add-on to help pet owners cut down the cost of their furry friend’s routine care throughout the year. Its pet wellness plan offers a $600 value for $46.04 monthly, though ManyPets is currently offering its wellness add-on for a discounted $34.99 monthly.
Specifically, wellness coverage from ManyPets comes with the following:
- Routine exams, check-ups, and vaccinations: $150 yearly
- Tests and parasite prevention: $150 yearly
- Dental cleaning and protection: $150 yearly
- Vitamins and supplements: $150 yearly
ManyPets notes that its wellness plan isn’t an insurance policy. Instead, it’s a optional reimbursement plan that pet owners can add onto their pet’s insurance plan.
Wellness plans all have a separate 24-hour waiting period. Also, ManyPets wellness coverage does not cover prescriptions or treatments for accidents and illnesses, grooming, microchipping, spaying or neutering, blood tests, elective or cosmetic procedures, prescription diets, or pet training.
ManyPets Pet Insurance Cost
The average cost of ManyPets coverage depends on your pet’s age, breed, and policy specifics, including your deductible and reimbursement level. To help you estimate what you might pay, we got pet insurance quotes for a range of pet profiles.
We normally use a New York City ZIP code for our quotes because it is one of the most expensive places to receive vet care, which insurance premiums will reflect. However, ManyPets currently isn’t issuing new policies in New York, so we chose Washington D.C. since its the third most expensive city for pet care (San Francisco is second, but ManyPets also isn’t issuing new policies in California). Depending on where you live, your quotes likely won’t be as high as ours. However, they may be on the lower side compared to quotes from our other pet insurance reviews.
A ManyPets plan with a $500 deductible and 80% reimbursement costs the following:
ManyPets’ Wellness add-on is $46.04 monthly across all breeds and ages, though we were offered a 24% discount, lowering the price to $34.99 monthly.
Let’s go over premiums for a D.C. cat covered with a $500 deductible and 80% reimbursement.
In spite of its name, ManyPets does not offer a discount for insuring multiple pets. That said, you may end up paying less for insuring multiple pets with ManyPets than if you took a multi-pet discount with one of its competitors.
How to File A Claim With ManyPets
Like other pet insurance plans, ManyPets reimburses you after paying your vet bills. This means you’ll pay the total cost of your pet’s care upfront. However, once you file a claim with ManyPets, it will reimburse you after accounting for your deductible and coinsurance amount.
Claims must be filed within 180 days after the treatment date, though this window can be longer depending on state law. ManyPets will pay a claim within 10 business days of the claim being filed. The best thing customers can do to speed up a claim is to have all relevant documentation ready to submit with the claim. All claims are filed through the company’s online portal.
ManyPets also asks policyholders to submit pets’ medical records from the last 18 months when filing the first claim. This is its way of establishing what may or may not be a pre-existing condition.
ManyPets Customer Service and Claims Experience
ManyPets has outstanding customer reviews, averaging 4.4 stars on Trustpilot. Most customers reported speedy reimbursements for their claims. They also reported polite and knowledgeable customer service representatives.
Negative reviews, as few as they may be, complained about similar issues. Customers took issue with ManyPets denying claims due to pre-existing conditions, arguing that their pets conditions were not pre-existing. Customers were also unhappy with rising premiums year over year. Customers who decided to cancel their policies encountered some difficulties. Several customers complained that they were still being charged despite canceling their policies.
It’s worth noting that ManyPets does not respond to customer reviews, which is often a good way for companies to address issues that customers have.
Compare ManyPets
See how ManyPets compares to three alternative options for pet insurance coverage: Figo, Spot, and MetLife.
ManyPets vs. Figo Pet Insurance
Figo Pet Insurance is a popular pet insurance company covering dogs and cats. Its plans cover many pre-existing conditions considered “curable,” and live access to a veterinarian 24/7 comes standard with coverage. Figo will cover “curable” diseases once your pet has been symptom-free for 12 months. Again, ManyPets requires your pets to be symptom-free for 18 months.
Figo offers annual coverage options of $5,000, $10,000, or unlimited coverage. Costs vary based on coverage limits, reimbursement rates (70% to 100%), and deductibles ($100, $250, $500, and $750 are available). When we selected a 100% reimbursement rate, our only options were $5,000 or $10,000 limits with Figo.
Pricing is similar between the two companies when we quoted similar terms. However, Figo’s more diverse range of options and its shorter waiting period for curable pre-existing conditions gave it a greater appeal.
Read our Figo pet insurance review.
ManyPets vs. Spot Pet Insurance
Spot Pet Insurance offers pet insurance for accidents and illnesses or accidents only. It lets pet owners beef up their protection with a wellness plan add-on similar to ManyPets’ wellness rider. Coverage provided by Spot matches ManyPets, and surpasses it in some areas. For example, Spot’s Platinum wellness plan covers spaying and neutering. Additionally, Spot does not have upper age limits, while ManyPets has a 14-year age limit for newly enrolled pets.
Spot’s plans are also highly flexible, with many coverage options available. Spot’s deductible options range from $100 to $1,000, and reimbursement options range from 70 to 90%. ManyPets only offers $500 or $750 deductibles and 70% or 80% reimbursement. For example, pet owners can choose from annual coverage limits starting at $2,500 and going up to unlimited.
As mentioned before, veterinary bills can quickly get out of hand, and ManyPets’ simple unlimited plan eliminates lower limits that could be disastrous in a pet emergency. On the other hand, Spot’s lower coverage limits will reduce monthly premiums but may fall short when pet parents need it most. This said, rates for the two companies’ unlimited plans were similar. However, Spot doesn’t consider your pet’s age when adjusting premiums annually, while ManyPets does.
Overall, Spot outshines ManyPets in several areas, particularly in how it treats older pets. It’s premium adjusting policy and no upper age limit make Spot one of the best senior pet insurance companies.
Read our Spot pet insurance review.
ManyPets vs. MetLife Pet Insurance
MetLife Pet Insurance might be a good fit if you want to customize your coverage or add multiple pets to a single policy. Plans from MetLife come with annual limits of $2,000, $5,000, or $10,000, with no unlimited coverage options available. As mentioned, pet parents may be surprised at how quickly they can reach the $10,000 threshold in an emergency.
However, deductibles can be tailored to your needs, and up to 100% reimbursement options are available for smaller annual limits. MetLife also offers an optional preventative care plan to pay for routine checkups, wellness exams, vaccinations, and heartworm prevention medications.
MetLife’s pet insurance plan is designed to be bundled with other MetLife insurance products instead of being a standalone product designed with the well-being of pets in mind. Unfortunately, next to companies like ManyPets, it comes up woefully short. ManyPets’ prices match industry averages, offering affordable rates for most families. Its unlimited coverage with up to 80% reimbursement and deductible options leave MetLife in the dust.
Read our MetLife pet insurance review.
ManyPets Pet Insurance FAQs
ManyPets says dog insurance starts at around $20 per month, and cat insurance starts at about $12 monthly. The quotes we got increased with age and higher reimbursement levels or lower deductibles, though the breed is a notable factor in pricing.
ManyPets lets its customers select from deductibles of $500 or $750 based on the quotes we were offered. However, some states may have different options.
ManyPets covers many pre-existing conditions your pet might have as long as they have been symptom and treatment-free for at least 18 months. However, exceptions apply to cruciate ligament (CL, CCL, ACL) injuries and hip dysplasia (if your pet is six years or older when diagnosed). Most competitors willing to cover “curable” conditions have waiting periods of six to 12 months.
ManyPets has 15-day waiting period for accidents and injuries.
No, ManyPets does not offer a multi-pet discount.
Why You Should Trust Us: How We Reviewed ManyPets Pet Insurance
The best pet insurance isn’t necessarily about giving you the most coverage, but giving you the coverage that you need. We review pet insurance companies accordingly, taking note of what an insurance company does best and who it would be best for. We compared ManyPets to dozens of the top pet insurance companies, looking at provided coverage, flexibility, and cost.
In addition to facts we gathered from pet insurance companies, this review also considered the financial health of providers and past user reviews. Our pet insurance rating methodology allows us to score pet insurance companies more objectively without getting caught up in one measure of success. As a result, we can offer better options for consumers looking for guidance.
Holly Johnson is a credit card expert, award-winning writer, and mother of two who is obsessed with frugality, budgeting, and travel. In addition to serving as contributing editor for The Simple Dollar and writing for publications such as Bankrate, U.S. News and World Report Travel, and Travel Pulse, Johnson owns Club Thrifty and is the co-author of “Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love.”“/>
Holly Johnson
Freelance Writer
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