ManyPets Pet Insurance Review

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In this ManyPets Pet Insurance review, I take a closer look at what the company has to offer UK pet owners in 2024.

As a pet owner myself, I know how much our pets can mean to an individual or family. We view the health and well-being of our pets as being as important as our own. I also know how much it can can cost when things go wrong. This means it can be important to ensure that you have the right cover in place.

With this in mind, let’s take a closer look at the different ManyPets Pet Insurance policies on offer. We’ll start our ManyPets review by looking at who ManyPets are and why they came about.

Who Are ManyPets Pet Insurance?

ManyPets – formerly known as Bought By Many – started life in 2012. The basic concept behind the company was to create online groups for people who have similar insurance needs. The company then negotiated discounts or enhanced cover with insurers, harnessing the power of group buying.

ManyPets now offer their own insurance policies and won the best Pet Insurance Provider of the Year 2024 at the Moneyfacts Consumer Awards.

Why ManyPets Pet Insurance Came About

ManyPets decided to create their own pet insurance policies to address the most common problems for pet owners.

Some of these common issues included things like getting reasonably priced insurance for a pet with a Pre-Existing condition. There was also a need to provide better Lifetime Cover policies.

ManyPets have created 4 products with different vet fee limits attached. These are known as ‘value’, ‘regular’ and ‘complete’ policies. They also now have a ‘pre-existing’ product.

To see how much your cover might cost you can get a quick online quote.

All of ManyPets policies offer…

• Lifetime Cover of up to £15,000 depending on the level you choose
• Unlimited FREE vet video calls 24/7 through the FirstVet app
• Hassle-free claims – online with no forms
• Cover for pre-existing conditions that ended at least 2 years ago
• 50% off flea, tick and worming treatments from VetBox
• FREE TrustedHousesitter Membership worth £99
• Pay monthly at no extra cost
• 15% multi-pet discount for pets on the same policy 

They also offer policies for those with more specific needs such as cover for pets with pre-existing conditions within the last 2 years.

On top of the standard policy elements listed above, each level of cover will come with its own limits attached. This is what we’ll now look more closely at in this ManyPets Pet Insurance Review.

ManyPets Value Cover

ManyPets Value Cover is their most basic offering and it covers you for up to £3000 of all vet fees in any one year. There are also limits placed on the amount you can claim for certain types of treatments including…

• £500 per year for complementary treatments – including hydrotherapy, homeopathic and herbal medicines, acupuncture, physiotherapy, osteopathy or laser therapy at the time of writing.
• £200 per year for any food prescribed by a vet
• £200 per policy year if your pet is lost or stolen. (no excess to pay)

There is a £99 excess to pay per year. After your pet’s 9th birthday this excess amount will change at renewal. After this the excess will be £99 plus 20% of the remaining claim.

If you have a multi-pet policy then the limits and excesses mentioned above will apply per pet.

Dental treatment is covered but only if caused due to accident. Routine dental treatment is also not covered.

There is no limit to the amount of claims you can make for different illnesses or injuries. Instead, all claims will be paid until you reach your annual limit. This limit will reset each year as long as you renew your policy.

Routine or preventative healthcare such as vaccinations, tick, worming and flea treatments, grooming and nailcare, spaying and neutering is also not covered.

Legal expenses and compensation costs are also covered but there are exclusions such as if laws were broken on your part. Do check the policy terms and conditions for clarification in that area.

ManyPets will not pay for medical conditions or complications related to breeding or pregnancies after your pet’s first pregnancy.

£1 million in legal cover is available with ManyPets value cover.

ManyPets Regular Cover

In addition to the policy benefits mentioned above for the value cover there are additional benefits for ManyPets Regular and Complete Cover.

With ManyPets Regular Cover the amount of vet fee cover rises to £7000 and with the Value and Regular policies dental cover is only available for problems arising from an accident.

The limit for complimentary treatments also increases to £1000 per year when you opt for Regular Cover.

The maximum amount payable if your pet is lost or stolen jumps significantly compared to the value cover. The cover rises from £200 to £1500 with regular cover.

£2 million in legal cover is available with regular cover.

ManyPets Complete Cover

ManyPets Complete Cover is described on their website as being the most comprehensive cover available on the market. It comes with £15,000 of annual vet fee cover and full dental cover is included as standard.

The limit for complimentary treatments increases to £2500 per year when you opt for Complete Cover.

The maximum amount payable if your pet is lost or stolen rises to £6000 per policy year with complete cover.

One major bonus with ManyPets Complete Cover is that dental treatment due to illness is also included. This is not the case with either Value or Regular cover where it is limited to accidents only.

£3 million in legal cover is available with complete cover.

ManyPets Pre-Existing Conditions Pet Cover

A ManyPets Pre-Existing policy provides cover for pets with pre-existing conditions, as long as they have been free of them for at least 3 months.

ManyPets pre-existing policy gives cover for pre-existing conditions, while at the same time providing a separate vet fee limit for new conditions that may develop. The pre-existing vet fee limit is £1500 and the overall limit for non pre-existing conditions is £7000. It is a lifetime policy, meaning both these limits refresh each year when you renew.

ManyPets class a pre-existing condition as anything which occurred in the 2 years before your policy began.

For a pre-existing condition to be covered on your ManyPets pre-existing policy, your pet will need to have been free of treatment, medication or advice for the condition for at least 3 months before the treatment you are claiming for. Once a pre-existing condition qualify’s, ManyPets will continue this cover no matter how often treatment is required.

If after two years your pet hasn’t needed treatment, medication or advice, ManyPets will no longer class it as pre-existing. You can then use your full £7000 vet fee limit for the condition.

Do They Offer a Multi-Pet Discount?

Yes, ManyPets offer a 15% Multi-Pet discount for pets on the same policy.

Free FirstVet App Access

One feature we have found really useful with our ManyPets Policy is the FirstVet App Access. We’ve used this policy benefit a few times and it saved us many expensive trips to our vet. It has proved even more useful during Covid as it kept us safe too. That’s why we feel it is well worth mentioning in this ManyPets review.

FirstVet are open 24 hours a day, 365 days a year. Here are just some of the problems

FirstVet may be able to help you with:

• Vomiting and diarrhea
• Itching and skin problems
• Eye and ear problems
• Coughing and sneezing
• Poisoning

Do keep in mind though that you should always seek veterinary care if your pet is very sick or badly injured!

ManyPets Reviews

If you’re like me, you will likely want to know what experience others have had with ManyPets. On this point, it’s encouraging to see that they currently have more than 10,000 5 star reviews on site Feefo and they are also highly rated on Trustpilot.

Some recent reviews say things like:

Caroline – ‘Very quick and easy to obtain quote and cover with good multi-pet discount’

Nick – ‘Very easy process. Very good customer care. Very good value.’

Alison – ‘Excellent service, easy online claim form to fill out. Kept well informed by email/text at each stage.’

Karen – ‘One of my cats became very ill suddenly and passed away last month. Dealing with this company throughout such a difficult time was easy. They were so understanding and sympathetic and made the whole process as painless and easy as possible for me.’

ManyPets Review Summary

ManyPets have used their extensive knowledge of the pet insurance industry to come up with useful policy offerings for their members. The company has very good reviews from its current customers and it is continuing to grow at pace. With cover for pets with pre-existing conditions and a multi-pet discount too, it’s easy to see why ManyPets recently won the Moneyfacts Pet Insurance Provider of the Year award for 2021.

It is easy to get a quick online quote* and also to sign up for a policy if you are happy with the quote.

We hope you’ve found this ManyPets Review review helpful!