Compare ManyPets Pet Insurance

Comparison Fact Sheet
Updated 1/30/2024

To get the most from these sheets, please read the Guide to Pet Insurance first.



Company Info
Company Name ManyPets
Also Known As / Affiliates / Partners  
Address 3333 Peachtree Rd NE, Suite #150
Atlanta, GA 30326
Phone 1-888-978-5291
Website www.manypets.com
Plans That Provide Full Accident and Illness Coverage ManyPets Accident and Illness Plan *
States Covered Not available in all states
Underwriter and AM Best Financial Strength Rating Insurance underwritten by Accredited Surety and Casualty Company which has an AM Best Financial Strength Rating of "A" and an Outlook of "Developing" as of 1/30/2024.

For the most recent ratings go to: AM Best
Year Company Started 2021

 

Policy Basics
Policy Term 12 months
Effective Date The Effective Date will be listed on the Declarations Page of your policy after you apply and are accepted.
Enrollment Age Minimum age = 8 weeks

Maximum age = 14 years
Cancellation Policy Ask for a current copy of their insurance policy so that you may review their cancellation policy
Waiting Period 15 days for illness

15 days for accidents

15 days for cruciate ligament injuries

**Waiting Periods can vary by state. See actual policy or contact ManyPets to confirm the waiting periods for your state.
Waiting Period for Cruciate Injury 15 days for cruciate ligament injuries

**Waiting Periods can vary by state. See actual policy or contact ManyPets to confirm the waiting periods for your state.
Coverage When Travel Out of State or Country? You may visit any licensed veterinarian in the US and Canada.
Can the Price of the Policy Increase as my Pet Ages? Not Clear.

Contact ManyPets for more information on when and by how much your premium may increase.
Does Coverage Stop Due to Age? No.
What Happens when the Policy Renews? Chronic conditions will continue to be covered each year as long as you do not go over your Maximum Payout. (Note: ManyPets has an unlimited payout structure.)

(See 'Max Payout' section below)
Can the Price of the Policy Increase if a Claim is Filed? No
Choice of Vet? You may visit any licensed veterinarian in the US and Canada.
Money Back Guarantee? There is a 30 day money back guarantee. They will refund your money in full as long as you have not filed a claim.

*May vary by state
Surcharge for Visiting a Specialist or Emergency Clinic? No
Referral needed to Visit a Specialist? No
Pre-certification Required? No
Additional Requirements **See actual policy or contact ManyPets for a complete list of the requirements you are expected to adhere to in order to maintain coverage.
Pet Insurance Policy Available for Pre-Purchase Review? Sample policy available online

 

What's Covered
Species Covered Dogs and Cats
Accident/Injury -
Baseline Coverage		 Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
Illness -
Baseline Coverage		 Covers exams, diagnostics and lab tests, surgery, treatments, hospitalization, prescription medication.
Behavioral Therapy Coverage [NO] Behavioral therapy Coverage does not appear to be available as part of the base policy or as an add-on.

**See actual policy or contact the company for a complete description of what types of Behavioral Therapy are covered
Alternative Therapy Coverage Not Clear.

Their Wellness Plan sample policy states Holistic Care (like chiropractic and acupuncture) are covered under the Wellness Plan which is an add-on and has a limit of $150.

Other areas of the site state that Holistic Care is covered under the base policy.

Contact the company for clarity.
Pre-existing Conditions Policy Pre-existing conditions are not covered.

However, some conditions may be considered curable. If your pet doesn't show signs for these conditions for 18 months, Many Pets may cover it. This excludes cruciate ligament injury or hip dysplasia.

According to their sample policy, a pre-existing conditions are is "...any condition for which a veterinarian provided your pet medical advice, the pet received treatment for, or the pet displayed signs or symptoms consistent with the stated condition in the 18 months before the policy effective date or during the waiting period."

**See actual policy or contact ManyPets for a complete description of pre-existing conditions.
Hereditary & Congenital Conditions Coverage [INCLUDED] Hereditary and congenital conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

These conditions are covered up to the Maximum Payout. (Note: ManyPets has an unlimited payout structure).

(See 'Max Payout' section below)
Continual Coverage for Chronic Conditions [INCLUDED] Continual coverage for chronic conditions is included with the policy.

Chronic conditions are covered up to the Maximum Payout. (Note: ManyPets has an unlimited payout structure).

(See 'Max Payout' section below)
Chronic Conditions Policy Chronic conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.

Chronic conditions are covered up to the Maximum Payout. (Note: ManyPets has an unlimited payout structure).

(See 'Max Payout' section below)
Cancer Coverage [INCLUDED] Cancer conditions are covered as long as they are not pre-existing and have not occurred during the waiting period.
Cancer Coverage Limits Cancer conditions are covered up to the Maximum Payout. (Note: ManyPets has an unlimited payout structure).

(See 'Max Payout' section below)
Hip Dysplasia [INCLUDED] Hip Dysplasia is covered as long it is not pre-existing and has not occurred during the waiting period.

If your pet is 6 years of age or older on the policy effective date, Hip Dysplasia will NOT be covered.

This condition is covered up to the Maximum Payout. (Note: ManyPets has an unlimited payout structure).

(See 'Max Payout' section below)
Prescription Drug Coverage [INCLUDED] Prescribed FDA approved drugs are covered.

**See actual policy or contact ManyPets for their full description regarding prescription medications.
Pregnancy Coverage Based on their sample policy, pregnancy issues are not covered "...when they are not related to an accident or illness..."
Routine/Wellness Coverage [OPTIONAL]

Routine/Wellness Coverage is available for an additional fee.

**See actual policy or contact the company for a complete description of their Wellness Coverage
Vaccinations [OPTIONAL] - See Routine/Wellness Coverage above for details
Spay/Neuter [NO] - Spay/Neuter is not covered by Many Pet's Routine/Wellness Plan or Accident/Illness Plan
Dental Care (Routine) [OPTIONAL] - See Routine/Wellness Coverage above for details
Dental Care (Illness/Accident) [LIMITED COVERAGE]

Covers the costs of diagnosing and treating dental injuries and periodontal (gum) disease.

It is not clear if orthodontics or endodontic care is covered.

**See actual policy or contact the company for a full list of inclusions and exclusions.
Bilateral Conditions Policy In their FAQ they state, "Concerning pre-existing conditions, we would not exclude a pre-existing bilateral condition – unless it's a cruciate ligament (CL, CCL, ACL) injury or hip dysplasia. In that case, we will not be able to cover any future claims."

**Contact the company for a complete list of medical conditions that are considered bilateral for the purpose of exclusion and for a complete description of their Bilateral Conditions Policy.
Coverage - Overview
(please read policy for full coverage details)		 Diagnostics and treatments due to illness and accidents

[Included] Cancer, Prescription Medications, Hereditary/Congenital coverage, Alternative Therapy, Dental Illness/Accident (limited coverage), Continual Chronic Conditions Coverage (Refer to each category's section for limitations)

[Optional] Routine/Wellness Care, Routine Dental Care (Refer to each category's section for limitations)

**See actual policy or contact ManyPets for a full list of inclusions, exclusions, limitations and conditions.
What's not Covered - Overview
(partial listing, please read policy for full details)
  • Pre-existing conditions
  • Accidents and illnesses that occur during the waiting period
  • Hip Dysplasia Coverage for dogs 6 years and older
...See policy for a complete listing

 

How The Policy Works
Reimbursement 70% or 80%
Deductible Annual Deductible

$250, $500 or $1,000
Flat Deductible vs % Deductible Flat
Deductible Per Incident vs Annual Deductible Annual Deductible
How is Reimbursement Determined It is not clear whether reimbursements are based on UCR or Actual Vet Bill.

Reimbursements are calculated by applying your reimbursement percentage first, then your deductible. This can lead to being reimbursed less than companies that subtract the deductible BEFORE applying the reimbursement percentage
Max Payout Annually Many Pets does not have a maximum annual payout
Max Lifetime Payout Many Pets has an unlimited lifetime maximum payout.
Max Payout per Incident This plan does not have a maximum payout per incident
Max Payout Based on Body System This plan does not have a maximum payout based on body system
Client Reimbursed or Vet Paid Directly You pay the veterinarian and then you are reimbursed after you file the claim.

 

Pricing
Approximate Monthly Costs Approximately $20.00 - $100.00 depending on your location, options, etc.

 

Additional Info
My Review ManyPets Review
What are Customers Saying? PetInsuranceReview.com

Check with your state's Department of Insurance to see if any complaints have been filed for this company
Better Business Bureau bbb.org
Additional Info  

*The information in the above charts applies to ManyPets' pet insurance plans that cover illness and accidents. If your pet is only eligible for accident coverage, please contact ManyPets for details on that policy.

**Disclaimer: These charts are created based on my research. While I do my best to stay current, information can change quickly. Also, terms and conditions can vary from state to state. Before buying a pet insurance plan, confirm all information by contacting the company or reading the most current policy for your state. We will not be held liable for errors or omissions. If you see something that is incorrect or needs clarifying, please let me know.

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