Bought By Many

Ranked

#19
19 of 19 insurers by customers

 

Bought By Many’s unique pet insurance is based on feedback from over 40,000 pet owners and can cover pre-existing conditions, offer fixed prices for puppies and kittens, or give money back if you don’t claim. They also offer Lifetime cover policy options and a Time Limited policy with optional Excess levels to help keep costs down. 

Reviews

0
  • 0 reviews
  • Excellent
    0% Complete
    0%
  • Very Good
    0% Complete
    0%
  • Average
    0% Complete
    0%
  • Poor
    0% Complete
    0%
  • Terrible
    0% Complete
    0%
Coverage

Regular Lifetime Cover offers an annual vet fee claim limit of £7,000 which re-sets each year. This policy comes with a Zero Excess option. The policy includes £2million third party liability cover for dogs, complementary treatment cover of £1,000 per year, Dental cover in the event of accidental damage, Farewell cover of £150 and Emergency Boarding cover of £1,000 a year. You can add optional extras such as cover against your pet becoming Lost or Stolen, Travel cover and Passing Away cover (for pets up to age 8). Pre-existing conditions are not covered. 

The MoneyBack policy offers Lifetime cover with an annual vet fee claim limit of £7,000. The policy gives 20% of your premium back in cash if you do not have a claim paid within the policy year. The policy includes £2million third party liability cover for dogs, complementary treatment cover of £1,000 a year and behavioural treatment cover, Dental cover in the event of accidental damage, Farewell cover of £150 and Emergency Boarding cover of £1,000 per year. You can add optional extras such as cover against your pet becoming Lost or Stolen, Travel cover and Passing Away cover (for pets up to age 8). Pre-existing conditions are not covered.

Complete Lifetime cover offers Lifetime cover with an annual vet fee claim limit of £15,000 which re-sets each year. The policy includes £3million third party liability cover for dogs, complementary treatment cover up to £2,500 and behavioural treatment cover, Dental cover as necessary, worldwide vet fee cover, Farewell cover, Passing Away cover up to £6,000 for pets up to age 8, Emergency Boarding cover of £2,000 per year, Lost or Stolen cover up to £6,000. Pre-existing conditions are not covered.

Value Time Limited policy offers £3,000 vet fee cover per condition or for 12 months from diagnosis whichever is reached sooner. Once the limit of a condition or accident is reached that condition will not be covered again until that condition has been treatment or advice free for 24 months, as it is then treated as a pre-existing condition. Farewell cover of £150 and Emergency Boarding cover of £100 per year is included, as is treatment for behavioural conditions, and complementary treatments up to £500 per condition. Dental treatment for accidents only and third party liability cover for £1million is included for dogs. Additional cover for Lost or Stolen cover can be added. 

Fixed for Life Cover: offers £7,000 maximum benefit vet fee cover per condition and the reassurance that the premiums will never go up while the policy remains in force. This policy is only available for pets under 2 years of age. Once the per condition limit of £7,000 is reached that condition is no longer covered by the policy. The overall vet fee cover limit for the policy is £20,000 so once this limit is reached for all claims for 1 pet the policy will end. The policy offers £1,000 cover for complementary treatments, cover for dental treatment as a result of an accident, £2million of third party liability cover for dogs, £1,000 travel cover for vet fees abroad, £1,500 cover if you dog is Lost or Stolen, £150 Farewell cover, £1,500 Passing Away cover and £1,500 Emergency Boarding cover. 

Pre-existing Condition Cover offers £7,000 maximum benefit vet fee cover per condition and a complementary treatment limit of £1,000. Behavioural treatments are covered for 6 months. Conditions that have received treatment, advice or are diagnosed in the last 3 months before the policy commences are not covered by this policy. The policy provides £500 of cover in total for all pre-existing conditions in the first year of your policy.  If you do not make a claim for any conditions the policy will increase your vet fee limit to £1,000 in the second year and if you still haven’t claimed the policy will up to the limit to £7,000 from year three onwards. The policy includes up to £7,000 for any new conditions you need to claim for. Cover includes £1million for Third Party Liability for dogs, £1,000 cover if your dog is Lost or Stolen, Farewell cover of £150, £1,000 Emergency Boarding cover, £1,000 travel cover. 

 

Excess

Regular Lifetime cover: Choice of Zero Excess or £69 excess for pets up to 9. You can choose to add a 20% co-pay to the excess. For pets 9 and over you pay £69 Excess and a 20% co-pay on every claim.

Complete Lifetime cover: £69 excess for pets up to the age of 9. You can choose to add a 20% co-pay to the excess. For pets 9 and over you pay £69 Excess and a 20% co-pay on every claim. 

MoneyBack Lifetime cover or Value Time Limited cover: For pets under 9 choose between £69 Excess only or £69 plus 20% of each claim (20% co-pay). For pets 9 and over the Excess is £69 plus 20% of each claim. 

Pre-existing Condition Cover: £99 for each claim. For dogs under 9 years you can also pay 20% of each claim if you choose to. For dogs 9 or older you must pay 20% of each claim and can choose to pay 40% of each claim. 

Fixed for Life Cover: £69 Excess per illness or accident.

Age Limits

Cover available from 4 weeks of age. No upper age limit, except Fixed For Life, which is only available for pets under 2 years old.

Waiting Period

Accidents are not covered in first 48 hours of policy start date. Illnesses are not covered in the first 14 days of a policy.

Additional Policy Information
Do you pay vets direct?

Bought By Many have 'Snap Claims' that allows you set up an account, fill in your vet details and upload claim information quickly. They can get information about your claim direct from your vet and pay your vet direct, keeping you up to date with progress reports by text or email.

Bought By Many classify a pre-existing condition as any illness your pet has had treatment or advice for in the last 24 months.

Company info

Bought By Many is changing insurance for the better. Their pet insurance is based on feedback from over 40,000 pet owners. Bought By Many offers unique policies and an easy-to-use service.

Their Fixed For Life policy for puppies and kittens will never increase in price, even if you claim. Other insurers increase premiums as your pet gets older. 

Their MoneyBack policy gives you 20% of your premium back at the end of a year if your pet remains healthy and you don’t have to claim.

Their Pre-Existing policy covers medical conditions as long as your pet has not received treatment of advice for them in the three months before the start of the policy. Other insurers do not cover conditions your pet has suffered from recently. 

Across Bought By Many’s seven products there is something for everyone: from their low-cost Value policy to their Complete policy, which is the most comprehensive on the market. 

Their key facts and policy wording documents have won an award for being clear and simple, so you know exactly what to expect from the policy.  They’re even making an easy and innovative claims process that will scrap forms and settle the claim directly with your vet. 

Bought By Many