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Friday, December 9th
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.
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.
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.
Lots of pet insurance companies have one-time or annual fees, but ManyPets has none.
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.
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.
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.
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.
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:
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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