ManyPets Overview
ManyPets, formerly known as Bought By Many, is a leading UK digital-first pet insurance provider that has redefined what pet owners can expect from their cover. Founded in 2012 and launching pet insurance in 2017, the company is headquartered in London and now operates primarily in the UK after winding down its US operations in 2024.
The company was named Moneyfacts Provider of the Year 2026 and reached a significant milestone by posting its first-ever group profit of £6.25 million in the year ending March 2025, turning around from a £33 million loss the previous year.
Coverage Plans
ManyPets offers lifetime policies across four tiers:
| Plan | Annual Vet Fee Limit | Best For |
|---|---|---|
| Essential Care | £3,000 – £5,000 | Budget-conscious pet owners |
| Standard Care | £7,000 – £10,000 | Comprehensive everyday cover |
| Standard Care Pre-existing | £7,000 | Pets with prior health conditions |
| Complete Care | Up to £20,000 | Maximum protection |
All plans cover accidents, illnesses, dental treatment (limited), complementary therapies, emergency boarding, and death/missing pet. The Complete Care plan adds behavioural treatment coverage.
Pricing
Monthly premiums for a 1-year-old pet in London:
| Plan | Dog (Monthly) | Cat (Monthly) |
|---|---|---|
| Essential Care | ~£21 | ~£11 |
| Standard Care | ~£35 | ~£17 |
| Complete Care | ~£44 | ~£19 |
Excesses range from £69 to £250, applied once per year rather than per condition. Multi-pet discounts of up to 15% are available, and there’s no upper age limit for coverage.
Standout Features
- Pre-existing Conditions Cover — Available after 2-3 years symptom-free, a rare offering in UK pet insurance
- MoneyBack — Get 20% of your premium refunded if you don’t make a claim
- One Excess Per Year — Pay your excess once annually, not per condition
- 24/7 Video Vet — Unlimited free consultations through FirstVet
- Direct Vet Payment — ManyPets can pay your vet directly in some cases
- 97% Claims Paid — One of the highest payout rates in the UK
- No Upper Age Limit — Cover for pets of any age
Claims Process
ManyPets offers several ways to claim: your vet can submit directly through the ManyPets Vet Portal (with direct payment available), you can claim online through My Account, email your claim to [email protected], or call 0345 646 1213. Many claims are processed same-day, and the company pays 97% of claims overall.
Pros and Cons
Pros
- Pre-existing conditions cover (unique in the market)
- Fast claims — often same-day processing
- MoneyBack reward for claim-free years
- One excess per year, not per condition
- Strong Trustpilot rating of 4.3/5 from 33,000+ reviews
- Up to £20,000 annual vet fees on Complete Care
- Unlimited 24/7 video vet consultations
Cons
- Premium increases after claims or as pets age (60-100% hikes reported)
- Maximum 80% reimbursement rate
- No 24/7 phone helpline
- No accident-only plan available
- No dedicated mobile app (web-based management)
- Some delays on larger claims
Our Verdict
ManyPets has earned its Moneyfacts Provider of the Year title with innovative features that genuinely set it apart. The pre-existing conditions cover is a game-changer for pet owners who’ve been denied elsewhere, and the MoneyBack feature rewards responsible pet ownership. While premium hikes remain a concern across the pet insurance industry, ManyPets’ 97% claims payment rate and same-day processing make it one of the best choices for UK pet owners.
InsurePickr Rating: 4.4/5
