Last updated: 23 March 2026

This is an opinion piece. Views expressed are the author's own and do not constitute professional advice.

Cool Factor: 4/5

This ManyPets review is our honest take on one of the UK's most popular pet insurers. We've looked closely at the plans, pricing, claims record, and small print to help you decide whether ManyPets is actually worth your money. Spoiler: it's very good, but it's not without a few catches you should know about before signing up.

What is ManyPets?

ManyPets (formerly Bought By Many) is a UK-based pet insurance provider that launched in 2017. It has since grown into one of the country's most recognisable names in the space, covering hundreds of thousands of pets. The company only offers lifetime cover for cats and dogs. In practice, that means your vet fee limit resets every year when you renew rather than capping out after a single claim period.

Policies are underwritten by Wakam SA and SCOR UK Company Limited. ManyPets has been voted Pet Insurance Provider of the Year five times at the Moneyfactscompare.co.uk Awards (2021, 2022, 2024, 2025, and 2026). No other UK pet insurer currently holds that record. On Trustpilot, the company has over 33,000 reviews and an "Excellent" rating of 4.5 out of 5.

First impressions of ManyPets

The quote process is quick and painless. You enter your pet's species, breed, age, and postcode. Within a couple of minutes you're looking at a side-by-side comparison of plan tiers with clear pricing. There's no phone call, no email wait, and no hard sell. Everything is handled digitally.

What stands out immediately is how transparent the plan comparison is. You can see exactly what each tier covers, what the vet fee limits are, and what optional extras cost. That kind of clarity is refreshing in an industry where policy documents often feel designed to confuse.

The My Account portal and mobile app let you manage your policy, submit claims, and track progress in real time. It all feels modern and well thought out. That's more than you can say for some legacy insurers still relying on paper forms and phone queues.

The detail: ManyPets review of plans and features

This is where a ManyPets review gets properly interesting. The product has some genuinely distinctive features alongside a few things you need to watch carefully.

Plans and cover levels

ManyPets offers four plan tiers, all lifetime cover:

Essential Care gives you a £3,000 or £5,000 annual vet fee limit. It's basic but functional, with dental accident cover up to £1,000. Standard Care bumps the limit to £7,000 or £10,000 and adds dental illness cover. Standard Care Pre-existing offers the same limits but is built for pets with more recent health history. Symptoms need to have been clear for just 3 months rather than 2 years. Complete Care is the full package: £15,000 or £20,000 annual vet fee limit, worldwide travel cover, behaviour treatment, theft cover, and complementary treatment limits up to £3,000.

The fact that all plans are lifetime is a genuine advantage. Time-limited policies might be cheaper upfront, but they can leave you exposed if your pet develops a chronic condition. With ManyPets, cover continues year after year as long as you keep renewing.

One excess per year

This is one of the standout features in any ManyPets review. Most UK pet insurers charge an excess per condition. That means two separate health issues in one year equals two excesses. ManyPets charges just one annual excess (starting from £69), regardless of how many conditions arise. If your pet has a rough year, that single excess could save you a meaningful amount.

MoneyBack

ManyPets is the only UK pet insurer offering a 20% premium refund if you don't claim during your policy year. It's an optional extra that costs a small amount more. However, if your pet stays healthy it effectively reduces your annual cost. Using the free 24/7 video vet service doesn't count as a claim either, so it won't affect your eligibility.

Pre-existing conditions

All plans cover pre-existing conditions that have been symptom-free for two or more years before your policy start date. The Standard Care Pre-existing plan lowers that threshold to just three months. That's genuinely unusual in the UK market. If your pet has a resolved condition, ManyPets is one of the few insurers that won't shut the door on you.

24/7 video vet access

Every plan includes unlimited online consultations with UK-registered vets through FirstVet at no extra cost. It's not a replacement for an in-person visit. However, for those late-night "should I be worried?" moments, it's reassuring to have professional advice on tap without driving to an emergency vet.

Claims record

Based on claims registered July to December 2024, ManyPets paid 97% of claims overall and 92% for pre-existing condition claims. Those are strong numbers by UK standards. Real-time claims tracking through the app is available too, and many straightforward claims are processed within days. Your vet can also be paid directly, so you don't have to cover the bill upfront.

Value for money

This is the section of any ManyPets review where things get more nuanced. The product is excellent, but pet insurance is never cheap.

Some indicative pricing based on a 1-year-old pet, no pre-existing conditions, London postcode (January 2026 quotes): Essential Care for a cat starts at around £10.58 per month. Standard Care comes in at roughly £16.83 per month. Complete Care sits at approximately £19.45 per month. For a 1-year-old dog, Essential Care starts at around £20.97, Standard Care at roughly £35.33, and Complete Care at approximately £43.81. Your actual quote will vary based on breed, age, location, and chosen excess.

The critical thing to understand is that premiums rise with age. This is true of all pet insurers, not just ManyPets, but it catches people off guard. From around age 7 at renewal, a mandatory 20% co-payment kicks in on every claim. That's calculated on your vet bill minus the excess, and premiums can increase steeply. If your pet develops a chronic condition and you've been claiming regularly, renewal costs can jump considerably.

That said, ManyPets gives you several tools to manage costs. You can choose a higher excess to lower your premium. Opting for a lower vet fee limit is another option if you're comfortable with the trade-off. Adding MoneyBack lets you recoup 20% if you don't claim. On top of that, the multi-pet discount of up to 15% when insuring two or more pets is one of the more generous in the market. Compared to Waggel or Petplan, ManyPets sits mid-range on price but offers more flexibility in cover levels and extras.

The verdict

ManyPets is, by most measures, one of the best pet insurers in the UK right now. The lifetime-only approach, single annual excess, MoneyBack option, and pre-existing condition cover set it apart. A strong claims record, polished digital experience, and five Provider of the Year awards round out the picture.

But it's not without drawbacks. Premiums rise with age, and the mandatory 20% co-payment from age 7 adds up quickly. The cheapest Essential Care plan also has fairly low vet fee limits that could leave you short if your pet needs serious treatment. You need to keep up with annual health and dental check-ups to maintain dental illness cover too, which is a condition some owners might overlook.

If you're insuring a young, healthy pet and want comprehensive lifetime cover with genuine extras, ManyPets is hard to beat. For older pets or tighter budgets, you'll need to weigh up whether the premium-to-cover ratio still works for your situation.

If you do decide ManyPets is right for you, our dedicated ManyPets discount code page has a referral link that gets you a free Amazon voucher when you take out a new policy.

Get the ManyPets discount code

A solid 4/5 Stone cold. ManyPets earned it with five consecutive Provider of the Year awards, a 97% claims rate, and features like MoneyBack that no other UK insurer offers. The digital experience is polished and the product genuinely stands out. It didn't quite hit Ice cold because of steep premium increases at older ages and the mandatory co-payment from age 7. Even the best pet insurance can feel painfully expensive once your pet hits double digits. For most UK owners insuring a young to middle-aged cat or dog, though, ManyPets sits firmly at the top.

CoolCuration has a referral relationship with ManyPets. If you sign up via our discount code page, we may earn a commission at no extra cost to you. This review reflects our honest opinion regardless of that relationship.

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Frequently asked questions

Is ManyPets worth it?

For most UK pet owners insuring a young to middle-aged cat or dog, yes. ManyPets offers one of the strongest combinations of lifetime cover, claims performance, and digital experience available. It's particularly worth it if you value the single annual excess and MoneyBack option. However, it becomes harder to justify if your pet is older and premiums have risen at renewal.

How much does ManyPets cost per month?

It depends on breed, age, location, plan, and excess. As a rough guide, Essential Care for a 1-year-old cat starts around £10 to £11 per month. Complete Care for a 1-year-old dog can start around £44. Older pets and certain breeds cost considerably more, so a direct quote is always the best approach.

Does ManyPets cover pre-existing conditions?

Yes. All plans cover conditions that have been symptom-free for two or more years before your policy start date. The Standard Care Pre-existing plan extends this to conditions clear for just three months, which is unusually generous.

What is the ManyPets co-payment?

Once your pet turns 7 at renewal, a mandatory 20% co-payment applies to every claim. This is calculated on your vet bill minus the excess. You can also choose a voluntary 10% or 20% co-payment before age 7 to reduce your premium.

Can I use any vet with ManyPets?

Yes. ManyPets lets you use any licensed vet in the UK. There are no network restrictions, and they can pay your vet directly if both parties agree.

How does ManyPets compare to Waggel?

Both are popular UK pet insurers offering lifetime

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