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ManyPets Review

Friday, December 9th

2022 Pet Insurance Company Reviews

ManyPets Review 3.5 Star Rating

ManyPets

3.5 Star Rating
  • Covers only cats and dogs
  • Holistic care included
  • Optional wellness exams
  • Dental cleanings

ManyPets is a Swedish pet insurance company that's new to the US since 2019. They offer great coverage at a fair price. They include alternative health such as chiropractic and rehab treatment with their standard policy, and signing up is easy.

Comprehensive coverage

ManyPets is pretty comprehensive, which is great. As is typical, they cover lab work, x-rays, MRIs, blood work, prescriptions, and treatments such as rehab, chiropractic treatment and acupuncture when vet recommended. Treatment for broken bones, digestive illnesses, hereditary conditions, congenital conditions, and cancer are included as well. Some of our other highly-rated companies include behavioral health with alternative health coverage, but ManyPets doesn't. On the other hand, a majority of the companies only offer accident and illness coverage with holistic care as an add-on or not available at all.

What's not covered is typical with rival policies

Wellness isn't covered automatically at ManyPets, but there is an option for it. Pre-existing conditions aren't covered for a period of 18 months of treatment-free and symptom-free living - most companies have a 12-month period. Spaying and neutering isn't covered, either, and this is typical with pet insurance.

Costs

  • Puppies start at $20 per month, dogs start at $35 per month
  • Kittens start at $15 per month, cats start at $25 per month

24-hour waiting period when you switch from another insurer

There's typically a waiting period before you can use your pet insurance. ManyPets is consistent with many others at 15 days, but there's a huge advantage. If you're switching companies, there's only a 24-hour wait period for accidents and illness. No other company we've reviewed offers this fantastic feature.

Annual fees

Lots of pet insurance companies have one-time or annual fees, but ManyPets has none.

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Premiums largely based on reimbursement and deductible

When you enter your pet's basic information, ManyPets will give you a quote. You can then get more or less coverage, and pay more or less in your premium by adjusting your plan. Choose between 80% and 100% reimbursement. Choose your deductible, between $0 and $500. If you don't mind paying a higher premium, you can pay $0 for the qualified treatments.

Wellness care add-on

Wellness care is optional at ManyPets, and can cost around $25 per month. They'll cover up to $150 per year for each category: routine exams and vaccinations; flea, tick, and heartworm prevention; dental cleanings; and holistic care such as skin, coat, joint care, or anxiety care, or vitamins and supplements. Mathematically, it seems you'll pay $300 and it seems you get $150 in care, but it's $150 for each of the above categories, making it worthwhile to consider.

Customer feedback

There are quite a few pet parents who praise ManyPets for being fair, reimbursing in a reasonable amount of time, and also are grateful to have their questions answered when calling. The few negative reviews are about communication. Either someone doesn't answer at all or doesn't have complete answers, and the customer is frustrated. There's no welcome email with clear and easy instructions to get started. The reimbursement time can be quite lengthy.

Growing pains

We're excited that this new company is growing and expanding to cover more US states, but the customer service and the reimbursement turnaround time need to improve. There's no 24/7 access to the customer care team. The app doesn't offer all the features we'd like to see such as our viewing our pet's history, filing a claim, and receiving reimbursement.

Great up-and-coming company

The standard policy here is consistent with other brands we have rated pretty highly, as ManyPets includes not only the basic accident and illness coverage, but alternative and holistic care are included, while their pricing stays competitive. They are one of the least expensive for younger pets, and the price includes features that others do not. Although the coverage is not for all 50 states yet, they seem to be on the right track. The long and the short of it is, If you're willing to be patient with your reimbursement and customer service, ManyPets offers a great pet insurance policy with wellness care as an add-on.

Which Pet Insurance is the Best?

We love our fur babies and want to help them live as long and as healthy as possible. Pets take daily care, and they also require vet visits, whether for wellness, to update vaccinations, if they are ill or in an accident. Veterinarian bills can be expensive, so many owners have chosen pet insurance.

Pet insurance has only been around since 1982, so if you don't know much about it, that's understandable. Pet insurance can be similar to human health insurance where you can see a provider for wellness visits, illness, or accidents. There are in-office visits, telehealth, and 24/7 availability for answering questions.

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Pet Insurance Company FAQ

Generally speaking, all ages are welcome when it comes to providing your pet with pet insurance. As the pet gets older rates may be more expensive than if you would have gotten coverage at a younger age. Please keep in mind some companies have age restrictions for when they can accept a dog or cat into their insurance plan. Typical restrictions are around 12+ years of age.
No one can forecast when your dog or cat is going to digest something they shouldn't have or have an accident related injury. Luckily, pet insurance helps to protect the pet owner against unexpected veterinary bills that can reach into the $1,000s.
It is recommended to get pet insurance before winter or summer seasons. During those seasons, there are more dangerous elements that are exposing your pet to potential illness and accidents. As far as age goes for the puppy, insurance companies recommend getting your pet insurance when your new best friend arrives home.
Typically, insurance companies only insure cats and dogs. But some companies will insure dogs, horses, other large animals, cats, other small animals, rodents, reptiles, and birds.
Depending on the company, a pet insurance claim can be sent via several different methods. Methods can include email, fax, or regular mail. When completing a claim make sure to include all of your paid vet bill invoices, and any other required documents. When the claim is processed it will either be accepted with a reimbursement, more information needed (i.e. incomplete claim form), or denial (i.e. due to non-coverable services)
Of course, your pet insurance travels with you, wherever you go. Some insurance companies may have restrictions when it comes to international travel. Make sure to check with your pet insurance company if you plan on taking your furry friend across the border.
It depends greatly on which company and plan you decide to go with. Most pet insurance companies cover accidents and illnesses after a waiting period. If the illness is a preexisting condition, you're likely not to receive any coverage. It's important you understand the fine print of any plan you may decide to go with.
In general, veterinarians do not handle pet insurance claims. Veterinarians and the owner make choices for the pet's medical care and overall health. If the care is covered by the insurance, the insurance company will reimburse the owner a percentage of the bill (depending on the chosen insurance plan's coverage) after the care and service has been performed.
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Continued from above...

However, you should be aware of some essential differences between human health insurance and pet insurance. The vet doesn't file a claim, like your own provider would. You pay the vet bill, submit the claim online or on your phone, and then you're reimbursed by the insurance company - the vet doesn't get involved. Wellness care can be an add-on rider to cover a routine exam, vaccinations, spay/neuter, teeth cleaning, and so on.

Although accidents are the most common to be covered, many companies don't cover illnesses such as diabetes, allergies, or infections. Younger pets may cost less to insure, but that will greatly increase as they age; and when they are elderly, the company may even drop the coverage, so be sure to ask about aging pets, even when your pet is young. You can choose your deductible, copay, max annual reimbursement, and optional add-ons. Find out what coverage they recommend for your breed, and ask about multiple-pet or other discounts.

More dogs have pet insurance than any other animal, and the rate for cats is about half that of dogs. Owners of indoor cats might think they don't need pet insurance, but older felines can have chronic or recurring conditions which might require costly care or frequent vet visits.

While you might not expect your pet to become ill or have an accident, those vet bills can be quite costly, especially if a procedure, surgery, or ongoing care is needed. Unless you're budgeting in anticipation of these, pet insurance could be quite the relief for when you need it. If you have an older pet or pet prone to certain conditions, prices can vary greatly between companies, so we suggest getting quotes from a couple of your favorite companies before you make your final decision. In addition, even if you are getting a puppy or kitten, ask about coverage and premiums as if they were older so you get a look into the future.

When choosing which pet insurance provider is right for you, here are a few things to consider:

  • Your pets and their age(s). You may have a cat or dog now, but if there's a possibility of someday adding a hamster, bird, or turtle, will your pet insurance cover the exotic pet? Is there a multiple-pet discount? As your pet ages, he might be prone to diabetes, accidents, and more-frequent office visits, so be sure to ask if coverage lessens, gets more expensive, or even stops with these conditions.
  • Reimbursement. If you have a pet that might require a lot of medical bills, you should consider a plan with up to 100% covered on the vet bills.
  • Choice of vet. Similar to a human's health insurance, your pet's health insurance company may have in-network vets and others that are out-of-network that they won't cover fully or at all.
  • In-office or at home. Typical plans will offer in-office visits. You should consider telemedicine, in-home care, or availability in other countries if you plan on traveling.
  • Pre-existing conditions. See if your potential pet insurer will look at your pet's medical record to find out upfront if there are any pre-existing conditions that wouldn't be covered, so there are no costly surprises. Do this even before you purchase.
  • Type of plan. You might want your insurance to cover more than just routine vet visits. Consider accidents, wellness care, routine care, preventative care, behavioral treatment, and alternative therapies. Your pet could have better health coverage than you!
  • Discounts and rewards. Some companies will give a multiple-pet discount, and others offer rewards for wellness and routine care.
  • Helpline. Whether you're new to owning a pet, have a different breed than you're accustomed to, or just worry about your pet, some insurance companies are available 24/7 for help or even for telehealth visits.

TopConsumerReviews.com has reviewed the best pet insurance companies available today. We hope this information helps you to get the best pet insurance for your fur baby so they can be well cared for in a long, happy, and healthy life!

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