Ranked
Over 80% of customers rate ManyPets as "excellent". ManyPets has supported pet parents since 2017 and they were named Pet Insurance Provider of the Year for the fifth time in 2026 (Moneyfactscompare.co.uk Awards) and won a Consumers Choice Award for their use of technology in the claims process.
They were one of the first pet insurers in the UK to introduce an easy to use online claims process and to offer up to £20,000 in vet fee cover. They also have a dedicated plan that can provide cover for pre-existing conditions.
ManyPets offer lifetime cover to suit all budgets offering £3,000 - £20,000 vet fee cover that includes dental, complementary treatments up to a limit, and behavioural treatment with their Complete Care policy. Pets can be insured from 4 weeks of age and there's no upper age limit.
ManyPets offer peace of mind through free 24/7 vet video calls, live chat and a symptom checker included as standard. All policies cover pre-existing conditions that ended at least two years ago. Their Pre-Existing Conditions lifetime cover option covers conditions that have been treatment, medication or advice free for 3 months. You can get up to 20% of your premium back with their MoneyBack optional extra if you haven't needed to claim in a policy year.
ManyPets offer a discount of up to 15% when you insure more than one pet with them and you can earn at least £20 in Amazon gift cards if you refer a friend to ManyPets. Once you are a customer you get access to health perks including 2 months' free flea, tick and worm treatment, access to free pet first-aid videos and other offers. (Offer terms apply.)
Customers like their customer service team but some have had issues getting claims processed quickly. Overall they are given 4.4 stars out of 5 and are a well-rated pet insurer.
Read their reviews and click the button below to Get a Quote to see your price to help you decide if they are the insurer for you.
Complete Care cover offers an annual vet fee claim limit of £15,000 or £20,000 which re-sets each year. This policy comes with a Zero Excess option. The policy includes £2 million third party liability cover for dogs, complementary treatment cover of £3,000 per year, Dental cover in the event of accidental damage or illness, Farewell cover of £500, Emergency Boarding cover of £1,000 a year and Behavioural Treatment is covered. Cover against your pet becoming Lost or Stolen of £6,000 and death of your pet up to £6,000. Pre-existing conditions are not covered.
Standard Care cover offers Lifetime cover with an annual vet fee claim limit of £7,000 or £10,000 which re-sets each year. The policy includes £2 million third party liability cover for dogs, complementary treatment cover up to £2,500 and behavioural treatment cover, Dental cover for illness and accident as necessary, £1,500 EU vet fee cover, Farewell cover of £200, Passing Away cover up to £1,500, Emergency Boarding cover of £1,000 per year, Lost or Stolen cover up to £1,500. Pre-existing conditions are not covered.
Essential Care policy offers £3,000, or £5,000 vet fee cover per year. It offers up to £500 if your pet dies, is stolen or goes missing. Emergency Boarding cover of £1,000 per year is included. Dental treatment for accidents is covered up to £1,000, CT or MRI scans and cruciate ligament surgery is covered up to a value of £1,000, too. Third party liability cover for £2million is included for dogs. Additional cover for Lost or Stolen cover can be added. Pre-existing conditions are not covered.
Standard Care Pre-existing Condition Lifetime Cover offers £7,000 maximum benefit vet fee cover per year with a pre-existing condition treatment limit of £1,500 for conditions that ended treatment, medication or advice 3 months before policy start date. 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 includes up to £7,000 for any new conditions you need to claim for. Cover includes £2million for Third Party Liability for dogs, £1,500 cover if your dog is Lost or Stolen, up to £1,500 cover if your pet dies, £1,000 Emergency Boarding cover.
There is up to a 15% discount if you insure more than one pet with ManyPets. They offer the optional MoneyBack extra which will refund you up to 20% of your premium if you haven't made a claim in your policy year.
Essential and Standard Care Lifetime cover: £69 excess for pets up to 7 years of age and you pay the Excess once per year, not on every claim or condition. You can choose to add a 20% co-pay to the excess.
For pets 7 and over you pay £99 Excess and a 20% co-pay on every claim.
Complete Care Lifetime cover: £69 excess for pets up to the age of 7 and you pay the Excess once per year, not on every claim. You can choose to add a 20% co-pay to the excess. For pets 7 and over you pay £99 Excess and a 20% co-pay on every claim.
Pre-existing Condition Cover: £99 for each claim. For dogs under 7 years you can also pay 20% of each claim if you choose to. For dogs 7 or older you must pay 20% of each claim and can choose to pay 40% of each claim.
You pay your Excess charge just once if you need to claim, not per condition on all policies.
Cover available from 4 weeks of age. No upper age limit.
Accidents are not covered in first 48 hours of policy start date. Illnesses are not covered in the first 14 days of a policy.
Yes, ManyPets can pay vets directly. They have a 'vet portal' where your vet can complete the details needed for your claim and they'll get paid directly - you just need to chat with your vet to see if they are signed up.
ManyPets classify a pre-existing condition as any illness your pet has had treatment or advice for in the last 24 months.
ManyPets focus on pets and their health.
Their goal is to help your pet have a long and happy life so they offer more than insurance. Their cover is designed to be used, and includes discounts on preventative medicine. They offer 2 months' free flea, tick and worm treatment. Their Complete policy covers dental illness as standard. All policies cover conditions that ended more than two years ago. They offer monthly payments to spread the cost of your insurance at no extra cost, and there is a 15% multi-pet discount for pets on the same policy.
ManyPets customers have unlimited access to 24/7 video vet calls, live chat and a symptom checker. It's a great way to get expert advice about issues, 24/7, from the comfort of your own home.
Easy to join, and easy to switch - you can claim immediately when you switch. Voted Best Pet Insurance Provider at the 2026 Moneyfacts Consumer Awards for the fifth year running and rated 5* by over 24,000 customers (on Trustpilot). Over 400,000 pets covered.
Choose up to £20,000 lifetime vet fee cover which means your annual vet fee limit for all claims resets when you renew. They offer hassle free claims online and they update you when your claim is settled. Claims are paid directly to you or your vet.