ManyPets Pet Insurance
ManyPets is a well known pet insurance provider in the UK, offering insurance for both dogs and cats. The company focuses on flexible lifetime cover and modern policy features, with an emphasis on digital services and transparent pricing. In this review, we take a detailed look at ManyPets’ insurance plans, coverage, and customer experience to give you a clear overview before choosing pet insurance.
- Updated: 01/07/2026
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PetSurely
ManyPets is one of the most recognised pet‑insurance providers in the UK. The company originated as Bought By Many and rebranded to ManyPets in 2021. It offers lifetime cover for cats and dogs and is notable for allowing customers to insure pets with pre‑existing conditions. Every policy is a yearly‑limit (lifetime) the annual vet fee limit resets each year as long as the policy is renewed.
ManyPets markets itself as a tech‑first insurer with a digital quote system, 24/7 video‑vet access and optional extras such as MoneyBack and Perks. In this review we examine ManyPets’ plans, cover levels, waiting periods and optional extras using the official plan documents. We also summarise customer experiences from Trustpilot and other review sites to give a realistic picture of what it’s like to insure a pet with ManyPets.
Key Takeaways
- Lifetime cover with annual vet fee reset
- Multiple cover levels up to £20k annually
- Pre-existing conditions covered on specific plans
- Flexible excess and co-payment options available
- Up to 15% multi-pet discount available
- 24/7 video vet consultations included
- Optional MoneyBack: 20% refund if no claims
- Perks programme with pet-related discounts
Date: 07-01-2026
Our ManyPets Pet Insurance Experience
ManyPets positions itself as a digital‑first insurer, emphasising convenience and technology. Policies are bought online through a quick‑quote system where you enter details about your pet (species, breed, age and postcode) and can immediately compare coverage levels. Once a plan is selected, policy documents are delivered digitally. ManyPets offers a My Account portal and a mobile app that allow customers to manage policies, view documents, submit claims and track progress. The insurer also provides unlimited video vet consultations, which many owners find reassuring when deciding whether to visit a vet in person.
In practice, ManyPets stands out for its flexible cover options and additional benefits. The ability to choose low or high fixed excesses and optional co‑payments lets customers tailor premiums to their budget. The company is also one of the few UK insurers that will insure pets with pre‑existing conditions, although cover is capped and requires the condition to have been symptom‑free for a period. Customers can further lower premiums by opting for a multi‑pet discount and by selecting the MoneyBack optional extra, which offers a 20 % refund if no claim is made. However, ManyPets has some drawbacks. While claims can be submitted online, reimbursement times vary. Customers must submit claims within six months of treatment or risk rejection.
Pros
- Lifetime cover with annual vet fee reset
- Cover levels up to £20k with high sub-limits
- Pre-existing conditions covered on specific plans
- Flexible excess and co-payment options available
- Up to 15% multi-pet discount, no age limit
- Unlimited 24/7 video vet consultations included
- Optional MoneyBack refunds 20% if no claims
- Perks programme with pet-related discounts
Cons
- Premiums often increase as pets age
- Claims must be submitted within six months
- Dental and behavioural cover excluded on Essential plans
ManyPets Pet Insurance Overview
ManyPets offers four main lifetime plans: Essential Care, Standard Care, Standard Care Pre‑existing and Complete Care. All plans are available for cats and dogs and provide a yearly vet fee limit that resets each year. Pre‑existing conditions can be covered under the dedicated Standard Care Pre‑existing plan. The table below summarises the main benefits and limits of each plan. Note that all medically necessary treatment must be recommended by a vet and claims must be submitted within six months of treatment
| Benefit / Plan | Essential Care | Standard Care | Standard Care Pre-existing | Complete Care |
|---|---|---|---|---|
| Annual vet fee limit | Choice of £1k–£5k | £7k or £10k | £7k | £15k or £20k |
| Dental cover | Accidents only up to £1,000 | Accidents and illnesses | Accidents and illnesses | Including complications |
| Complementary treatment | Up to £500 | Up to £1,000 | Up to £1,000 | Up to £3,000 |
| Prescribed food / diets | Not covered | Up to £200 | Up to £200 | Up to £500 |
| Behaviour treatment | Not covered | Not covered | Not covered | When linked to illness or injury |
| Missing or stolen pet | Up to £500 (advertising only) | Up to £1,500 incl. replacement | Up to £1,500 incl. replacement | Up to £6,000 incl. replacement |
| Legal liability (dogs) | Up to £2 million | Up to £2 million | Up to £2 million | Up to £2 million |
Disclaimer: The information presented in the tables above is intended as a general overview and is manually reviewed and updated by our team. However, insurance products, limits, and terms may change at any time. For the most accurate and up-to-date information, please refer to the official ManyPets Insurance website and the full policy documentation before making a decision.
Essential Care
Essential Care is ManyPets’ entry‑level lifetime plan. Owners can choose vet fee limits between £1,000 and £5,000 per year. The plan covers accidents and illnesses, but dental cover is limited to accidents only and complementary treatment is capped at £500. There is no cover for behavioural therapy, prescribed diets or dental illnesses. Missing or stolen cover only pays for advertising costs and does not cover replacement pets. This plan is best suited for owners looking for basic lifetime cover at a lower cost but still wanting 24/7 vet access and legal liability protection.
Standard Care
Standard Care offers higher vet fee limits of £7,000 or £10,000 and includes dental accidents and illnesses. Complementary treatment is reimbursed up to £1,000 and prescribed food up to £200. The plan also covers cremation up to £200, death or missing‑pet replacement up to £1,500, emergency boarding up to £1,000 and EU travel up to 90 days. Exclusions include pre‑existing conditions, behavioural therapy, pregnancy, experimental treatments and claims submitted more than six months after treatment. A 20 % co‑payment is automatically added once your pet turns seven.
Standard Care Pre‑existing
This plan mirrors Standard Care but adds limited cover for pre‑existing conditions. As long as a condition has been symptom‑free for at least three months before the policy start date, ManyPets will pay up to £1,500 per year for that condition. The annual vet fee limit is £7,000 and other benefits are the same as Standard Care (dental illness cover, complementary treatment and prescribed food). Exclusions include pregnancy, behavioural therapy and pre‑existing conditions that have shown symptoms within the three months before the policy start. A 20 % co‑payment applies once the pet turns seven and claims still must be submitted within six months of treatment.
Complete Care
Complete Care is ManyPets’ top‑tier plan, offering vet fee limits of £15,000 or £20,000. It covers dental illnesses and accidents, advanced treatments such as stem‑cell therapy and hydrotherapy, behavioural therapy following illness or injury, and complications from routine treatment. Complementary treatment is covered up to £3,000 and prescribed food up to £500. The plan includes generous cover for death and missing pets (up to £6,000 for each), EU travel up to £2,500 and emergency boarding up to £1,000. ManyPets pays for end‑of‑life costs such as euthanasia, cremation or burial up to £500. As with other plans, accidents are not covered for the first 48 hours and illnesses not covered for the first 14 days.
Many Pets Insurance with Long‑Term Protection
ManyPets policies are all lifetime plans: the annual vet fee limit resets each year when you renew. This structure ensures that ongoing conditions remain covered, provided you continue to renew without a break. The Standard Care Pre‑existing plan extends lifetime cover to certain pre‑existing conditions, allowing owners to insure pets that have been symptom‑free for at least three months.Another standout feature is that ManyPets has no upper age limit for insuring pets.
You can take out a policy for an older cat or dog and continue renewing for life. However, there are some age‑related conditions: death from illness is not covered once a pet turns nine and a 20 % co‑payment automatically applies from the pet’s seventh birthday. All policies require pets to be microchipped in order to claim for missing or stolen cover; claims will be declined if the pet lacks a microchip.
Waiting Periods
ManyPets applies waiting periods at the beginning of each policy. Accidents are not covered for the first 48 hours and illnesses are not covered for the first 14 days. These waiting periods are standard across all plans, including the Standard Care Pre‑existing option. If your pet was previously insured by another provider without a break in cover, ManyPets may waive the waiting periods.
Flexible Cover Levels and Customisation
ManyPets lets customers adjust their plan through excesses and co‑payments. Fixed excesses of £69, £99, £130, £160 and £250 are available. The excess is paid once per policy year (not per condition), giving more predictability in the event of multiple claims. Co‑payments are optional for pets under seven; you can choose to pay 10 % or 20 % of the remaining vet bill after the excess to lower the premium. Once your pet turns seven, a 20 % co‑payment becomes mandatory
ManyPets pet insurance cost
For a 1-year-old dog, ManyPets’ Essential Care cover starts at approximately £20.97 per month, with a choice of £3,000 or £5,000 annual vet fee limit. The Standard Care plan is priced at around £35.33 per month, offering higher annual limits of £7,000 or £10,000. Complete Care is the highest tier, starting at approximately £43.81 per month, and provides the most comprehensive protection with annual vet fee limits of £15,000 or £20,000.
Price for ManyPets dog insurance
| ManyPets cover level | Dog, 1 year | Annual vet fee limit |
|---|---|---|
| Essential Care | from £20.97 / month | £3,000 or £5,000 |
| Standard Care | from £35.33 / month | £7,000 or £10,000 |
| Complete Care | from £43.81 / month | £15,000 or £20,000 |
*The monthly premiums above are example prices based on test quotes from ManyPets’ online quote tool. The calculations assume a one year old pet with no pre-existing conditions, a purchase price of £0, a London postcode, and a policy start date in January 2026. Actual premiums may vary depending on breed, age, location, selected vet fee limit, excess level, co-payment choice, and individual risk factors.
Price for ManyPets Cat insurance
For a 1-year-old cat, ManyPets’ Essential Care cover starts at approximately £10.58 per month, with annual vet fee limits of £3,000 or £5,000. The Standard Care plan costs around £16.83 per month and includes higher vet fee limits of £7,000 or £10,000. Complete Care is the most comprehensive option, priced at approximately £19.45 per month, with annual vet fee limits of £15,000 or £20,000.
| ManyPets cover level | Cat, 1 year | Annual vet fee limit |
|---|---|---|
| Essential Care | from £10.58 / month | £3,000 or £5,000 |
| Standard Care | from £16.83 / month | £7,000 or £10,000 |
| Complete Care | from £19.45 / month | £15,000 or £20,000 |
*The monthly premiums above are example prices based on test quotes from ManyPets’ online quote tool. The calculations assume a one year old pet with no pre-existing conditions, a purchase price of £0, a London postcode, and a policy start date in January 2026. Actual premiums may vary depending on breed, age, location, selected vet fee limit, excess level, co-payment choice, and individual risk factors.
ManyPets Insurance Discounts
Multi‑pet discount. When insuring more than one pet, ManyPets automatically applies a discount of up to 15 % on all plans. Every pet gets its own plan and keeps its individual vet fee limit, and there is no upper age limit for adding pets MoneyBack. ManyPets offers a MoneyBack optional extra that refunds 20 % of your premium if you don’t make a claim during the policy year Perks. All policyholders have access to ManyPets Perks, which include discounts on pet food (e.g., Pooch & Mutt 33 % off, KatKin 25 % off and Edgard & Cooper 30 % off) and other products such as DNA tests, EU travel certificates and holiday vouchers. Offers vary over time and terms apply.
Customer experience with ManyPets Insurance
How to sign up for the insurance?
Policies are taken out online via the ManyPets quote system. You enter details about your pet and choose one of the lifetime plans. Once the policy is purchased, documents are provided digitally and accessible via My Account or the ManyPets app.
Claims and reinbursment
Claims can be submitted online or via the app. Invoices and medical records must be provided, and claims must be filed within six months of the date of treatment. ManyPets states that 97 % of claims were approved between July and December 2024. Standard excess and co‑payment rules apply to each claim.
Customer service
ManyPets provides phone support for general enquiries and claims. The customer service line is open 9 am – 5:45 pm Monday to Friday and 9 am – 12:45 pm on Saturdays. Policyholders can also manage policies and submit claims through the My Account portal or the mobile app. Unlimited 24/7 video vet consultations are available through FirstVet
ManyPets UK Reviews and Customer Ratings
Across review platforms, ManyPets is consistently described as a reliable and well established insurer. Ratings on Trustpilot, Google Play, and the App Store are all well above average, while Reddit discussions underline ManyPets strength in long term cover rather than short term or budget focused insurance solutions.
Trustpilot
According to Trustpilot, ManyPets holds an “Excellent” rating of 4.4 out of 5 based on over 31,800 reviews. Customers frequently praise the efficient claim process, quick payouts and comprehensive coverage options, as well as the ease of setting up policies and the helpfulness of customer service staff. Positive reviews highlight peace of mind and the convenience of unlimited video‑vet calls.
App stora and Google Play
The ManyPets mobile app has a 5.0‑star rating on the Apple App Store (7 ratings). Reviewers describe the app as easy to use, praising the streamlined claims submission and the ability to track claim progress. Some users note that reimbursements can take a week or two but find the overall process painless. The app’s download numbers on Google Play are lower but ratings are similarly positive (around 4–5 stars, based on fewer reviews).
Complaints and criticism
The main criticism of ManyPets is premium increases over time. A Guardian case study found that a dog’s lifetime premium rose from £653 in 2020 to £833 in 2021, £1,353 in 2022 and then doubled to £2,692 in 2023. ManyPets attributes such increases to veterinary inflation and the pet’s advancing age, but the case illustrates how lifetime policies can become expensive for older pets with ongoing conditions. Some customers on Reddit and other forums echo similar concerns and report lengthy claim processing times, though these experiences appear less frequent than the positive feedback.
ManyPets Compared to Other UK Pet Insurers
Agria. Agria focuses exclusively on lifetime cover with high annual limits up to £20 k and offers strong coverage for illness and injury. ManyPets and Agria share similar annual vet fee limits at the top end, but Agria does not cover pre‑existing conditions and has fewer optional extras such as MoneyBack and Perks. Agria’s premiums tend to rise in line with veterinary inflation; ManyPets’ premiums may increase more steeply due to co‑payment changes and claims history.
Petplan. Petplan is known for high claim limits and broad veterinary coverage but generally charges higher premiums. It does not offer pre‑existing conditions cover or MoneyBack options. ManyPets provides more flexibility with co‑payment choices and a multi‑pet discount, whereas Petplan is widely accepted by vets and has a strong reputation for claims handling.
Other insurers. Competitors such as Animal Friends and Scratch & Patch offer lower premiums but may use time‑limited policies or lower annual caps. ManyPets stands out for its digital tools and extras like FirstVet access, though some rivals include routine‑care add‑ons (such as dental cleaning) that ManyPets lacks. When comparing providers, pet owners should weigh annual vet fee limits, exclusions and expected premium increases over their pet’s lifetime.
Questions & Answers About ManyPets Pet Insurance
ManyPets specialises in lifetime cover with annual limits that reset every year. Plans can cover pre‑existing conditions under the Standard Care Pre‑existing plan and include unlimited video vet consultations. The company also offers optional MoneyBack and Perks programmes.
Depending on the chosen plan, benefits include veterinary fees for accident and illness, dental illnesses, complementary and behavioural therapy, end‑of‑life costs, missing or stolen pet replacement, EU travel cover and legal liability for dogs.
Yes. Accidents are not covered in the first 48 hours and illnesses are not covered in the first 14 days of the policy. These waiting periods may be waived if you switch from another insurer without a break in cover.
Yes. To claim for missing or stolen cover, your pet must be microchipped. The policy excludes any costs if your pet is not microchipped.
Policies may be cancelled within the 14‑day cooling‑off period for a full refund if no claim has been made. After that, you can cancel at any time via phone or My Account; if you have made a claim, you may need to pay the full annual premium
How We Review Pet Insurance at PetSurely
At PetSurely, we believe reviews should be honest, well-researched, and actually useful. Here’s a quick look at how we put together our pet insurance guides:
- Where We Start: We begin by gathering data from official insurance websites, customer review platforms, and independent sources. For brands not available in the UK, we focus on European markets where they’re active.
- Digging Into the Details: We analyse everything from plan types and pricing to what’s included (and what’s not). That means reading the fine print so you don’t have to.
- Making It Digestible: We break it all down into sections like coverage levels, claims process, pros & cons, and who the product is best suited for.
- Fact-Checking: We always cross-check our info against multiple trusted sources to keep things accurate and up to date.
- Writing With Pet People in Mind: Our reviews are written by real people who care about animals – not robots. We aim for a tone that’s friendly, clear, and doesn’t bore you to sleep.
- What We Look At: We pay special attention to monthly pricing, vet fee cover, waiting periods, age restrictions, customer service, and extra perks like dental or wellness rewards.
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Editorial & commercial disclosure:
The information provided is for general information purposes only and does not constitute personalised insurance advice or a recommendation. We do not assess policies based on individual circumstances.
Our review is based on publicly available information, policy documentation and editorial analysis. We do not review every provider in the UK market.
Prices and policy terms may change. Always check the provider’s website for full and up-to-date details.