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ManyPets Pet Insurance Review 2024: Pros and Cons

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ManyPets Pet Insurance
NerdWallet score 
Unlimited
70%, 80%
$250 – $1,000

Processes most claims inside 48 hours.

About ManyPets pet insurance coverage

4.0

NerdWallet score 

NerdWallet’s scores are decided by our editorial crew. The scoring system incorporates monetary energy, protection choices, buyer expertise, reductions and extra.

ManyPets earned 4 stars out of 5 for total efficiency due to its fashionable tackle pet insurance coverage. You can live-chat buyer assist and obtain a claims resolution inside 48 hours in lots of circumstances.

Unlike a lot of its rivals, ManyPets doesn’t have a separate, multi-month ready interval for orthopedic circumstances like knee accidents or hip dysplasia. Coverage for these and all different circumstances begins 15 days after you purchase your coverage. The firm will waive the ready interval in the event you’re switching to ManyPets from one other pet insurance coverage supplier.

ManyPets insurance coverage was based in 2012.

Strengths: ManyPets has a complete accident and sickness plan that features protection for examination charges and dental illness therapy — two gadgets not at all times coated by different plans.

Weaknesses: ManyPets doesn’t cowl prescription meals or behavioral modification. It additionally doesn’t have an accident-only plan, and its wellness package deal gained’t pay for spaying or neutering.

ManyPets pet insurance coverage and protection

ManyPets presents a single accident and sickness plan with the choice so as to add preventive care protection.

Note: Coverage choices and availability could differ relying on the place you reside and the age and breed of your pet.

Accident and sickness

The ManyPets accident and sickness plan has no annual protection restrict. This plan can reimburse you for:

  • Vet specialist and ER visits. 

  • Treatment for sicknesses together with most cancers, dental illnesses and hereditary circumstances. 

  • Rehabilitation, acupuncture and chiropractic remedies.

  • Euthanasia and cremation.

Wellness plan

You can add an elective wellness plan to get reimbursed for preventive care bills. The ManyPets wellness plan has a complete annual good thing about $600. It covers:

  • Checkups and vaccines, as much as $150 per 12 months.

  • Parasite testing and prevention, as much as $150 per 12 months. 

  • Teeth cleansing, dental chews and different oral care bills, as much as $150 per 12 months. 

  • Vitamins, dietary supplements, and providers corresponding to acupuncture or therapeutic massage, as much as $150 per 12 months. 

What’s not coated

A ManyPets accident and sickness plan gained’t pay for:

  • Pre-existing circumstances, except your pet has been symptom-free with out therapy for a minimum of 18 months.

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

  • Hip dysplasia, in the event you enrolled your pet after age 5 or the animal has beforehand been recognized with this situation.

  • Behavioral modification remedies.

  • Breeding, being pregnant or giving delivery.

  • Sickness or harm attributable to neglect, racing or guarding.

  • Cosmetic procedures like tail docking or dew claw removing.

  • Treatment of cruciate ligament issues in case your pet has had prior cruciate ligament accidents to any leg earlier than the beginning of the coverage.

The ManyPets wellness plan doesn’t cowl the next (a few of which different corporations’ preventive care packages will cowl):

ManyPets protection choices

Deductibles: A pet insurance coverage deductible is the quantity you need to pay earlier than your plan reimburses you for vet bills. For the ManyPets accident and sickness plan, deductible choices could vary from $250 to $1,000 per 12 months, although not all pets have the identical decisions.

Wellness plans don’t have any deductible.

Reimbursement quantities: ManyPets will reimburse you for a sure proportion of vet bills, minus your deductible. With ManyPets plans, you’ll be able to typically select between a 70% and 80% reimbursement charge.

ManyPets first applies its reimbursement charge to your vet payments, then your deductible. This is a much less beneficiant methodology of fee than that of another pet insurers. Say you will have a $1,000 vet invoice, an 80% reimbursement charge and a $500 deductible. ManyPets will deem $800 of your invoice reimbursable (80% of $1,000), then subtract the $500 deductible out of your payout. That leaves ManyPets paying $300 and also you protecting the remaining $700.

Companies that apply the deductible first would pay $400 of the identical vet invoice. Here’s the maths: $1,000 vet invoice – $500 deductible = $500. 80% of the remaining $500 vet invoice = $400.

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

Coverage limits: ManyPets has no annual protection restrict for its accident and sickness plan. Its wellness plan will pay as much as $600 per 12 months.

Restrictions and ready durations

Age restrictions: New insurance policies are available to pets between the ages of 8 weeks and 14 years. Once enrolled, your pet gained’t be denied protection attributable to age so long as your coverage stays energetic. You should enroll pets earlier than age 6 for hip dysplasia protection.

Waiting durations: A ready interval is the time between while you purchase your coverage and when your protection begins. ManyPets has a 15-day ready interval in most states for accident and sickness protection. Wellness protection begins the day after buy.

ManyPets pet insurance coverage charges

The cost of ManyPets pet insurance coverage relies on the place you reside and your pet’s age and breed. Below are pattern month-to-month charges from ManyPets for six frequent canine breeds at ages 2 and eight. Sample pets lived in Katy, Texas, and had accident and sickness protection with a $250 deductible, limitless annual protection and an 80% reimbursement charge. Your personal value will differ.

We additionally gathered charges for quite a lot of cat breeds with the identical protection limits as above. Rates beneath are pattern month-to-month premiums for cats dwelling in Katy, Texas.

Discounts

ManyPets doesn’t promote any pet insurance coverage reductions.

State availability

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

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

Consumer expertise

Website: The ManyPets web site is straightforward to make use of. You can get a free quote and enroll your pet, plus browse FAQs to get solutions to your questions. The web site additionally has pattern insurance policies in the event you’d prefer to evaluation particulars earlier than you buy a plan.

App: The ManyPets cellular app is available for each iOS and Android. You can use the app to submit and observe claims, view profit info, refer buddies, and watch pet care movies.

Claims: With ManyPets insurance coverage, you pay your vet upfront and get reimbursed after submitting a declare. You have 180 days to file a declare from while you pay your vet invoice. You can file a declare on-line or within the cellular app. ManyPets tries to course of most accident and sickness claims inside 48 hours. It points reimbursements inside 24 business hours of approval, so you’ll be able to typically count on a fast turnaround. You can get your reimbursement through financial institution deposit or examine.

Customer service: The ManyPets buyer care crew is available by telephone at 888-978-5291 and by e-mail at [email protected]. You also can attain out through reside chat. The firm’s business hours are Monday by means of Friday from 9 a.m. to 9 p.m. and Saturdays from 10 a.m. to six p.m. ET.

Other pet insurance coverage corporations to think about

Not able to decide? You could also be excited by these different pet insurance coverage corporations:

How we evaluation pet insurance coverage

Our writers and editors observe strict editorial tips that guarantee equity and accuracy that will help you select the monetary merchandise that work greatest for you. In our pet insurance coverage critiques, we take into account protection, reductions, monetary energy scores from AM Best and extra to find out our star scores.

Our score system rewards corporations that cowl a variety of potential bills, provide some ways to customise your plan and have a robust monetary score. Within the buyer expertise class, we checked out options corresponding to cellular app scores and whether or not the corporate presents direct vet funds. To calculate every insurer’s score, we adjusted the scores to a curved 5-point scale.

Frequently requested questions

ManyPets covers dental accidents and sicknesses so long as they’re not associated to a pre-existing situation. If you will have a wellness plan, you may get reimbursed as much as $150 per 12 months for preventive care like cleanings, dental chews and toothbrushes. Learn extra about pet dental insurance coverage.

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