Is Many Pets Pet Insurance Worth It? Reviews 2025

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At HelloSafe, our pet insurance expert reviews the terms and conditions and pricing of all major insurance policies on the UK market every year to provide you with reliable, unbiased analysis. Thanks to this rigorous approach, hundreds of thousands of users across the UK trust us each month to help guide them in their most important financial decisions.

Many Pets guarantees

ManyPets offers four pet insurance plans—Essential Care, Standard Care, Standard Care Pre-existing, and Complete Care—with annual vet fee cover up to £20,000 (plan and certificate dependent), each renewed yearly per pet. What sets ManyPets apart is their unique coverage for recent pre-existing conditions (Standard Care Pre-existing), high claim acceptance (97%), and comprehensive overseas travel (Complete Care: worldwide), plus unlimited, 24/7 video vet consultations without impacting excess or premium.

All plans include essential illness and accident care, but differences exist in dental illness (excluded on Essential), behaviour treatment (Complete only), and complementary/advanced options. Weaknesses are the lack of routine/preventive cover (e.g., neutering, vaccinations), some strict sub-limits (e.g., dental, scans on entry plans), and notable exclusions (preventable conditions, working pets, certain breeds).

Careful attention is needed on excess/co-payment for older pets (20% after age 7), and waiting periods apply for new policies (accident: 48h, illness: 14 days).

Good to know

• Unlimited 24/7 video vet consults are included with all plans, do not affect claims or excess.
• For pets aged 7+, a 20% co-payment on every claim is mandatory, in addition to annual excess.
• Plans do not cover routine preventive care (spay/neuter, vaccination, grooming, preventive dental) or breeding after first pregnancy.
• Each guarantee is subject to annual plan limit and sub-limits—for full details, check individual certificates.
• Some breeds and working/purpose-bred animals are excluded from cover; check the detailed exclusions list.

To find the best price and tailor the most relevant plan for your pet, compare all ManyPets formulas and get a quick quote online.

Exclusions of Many Pets

Unlike many UK pet insurers, ManyPets applies strict exclusions related to pre-existing conditions: anything noted, treated, or symptomatic in the 24 months before cover, and any issue during the waiting period, is excluded (unless selecting their specific Pre-existing plan, with a limited annual cap).

A particularly distinctive exclusion is the refusal of claims if a required vaccine or annual vet check was missed, as well as systematic exclusion of unproven or excessive treatments, and any treatment not administered by a registered vet.

Claims for routine, preventative, or cosmetic procedures, breeding after more than three litters, and any pet with a recorded history of aggression or biting are also categorically excluded.

Geographical exclusions are notable too: treatment abroad is limited to specified territories and timeframes, and liability claims are only covered within the UK, Isle of Man, and Channel Islands (excluding incidents with paid carers or non-compliance with law).

Finally, ManyPets excludes all costs resulting from war, epidemic or pandemic disease, regulatory restrictions, or incomplete claim documentation, with no exceptions even for compassionate cases.

Many Pets Prices

ManyPets is positioned just above the market median in terms of price, reflecting its broad coverage with substantial annual limits, strong dental and travel benefits, and complimentary 24/7 video vet support included across all plans.

The Complete Care option, in particular, integrates uncommon extras like advanced treatments, pregnancy complications, and more generous limits on dental and complementary care, justifying a higher premium for pet owners seeking maximum protection.

However, as a primarily digital-first provider, ManyPets achieves internal efficiencies—such as fast online claims, no admin fees, and minimal paper processes—which help maintain pricing below that of many legacy insurers offering comparable breadth.

For healthy, younger pets or customers open to moderate excesses, Standard and Essential formulas provide good value—often outperforming large traditional brands on affordability at similar benefit levels.

Overall, ManyPets is not the cheapest but offers comprehensive cover at a competitive price point for the UK market, making it particularly attractive to owners who prioritise smooth digital claims and premium-level benefits without paying the very highest premiums.

To find the best deal for your pet and avoid overpaying, it’s always worth comparing offers from different providers tailored to your animal’s age and needs.

Many Pets promo codes

Note: Promo codes are subject to change. For the latest promo codes, visit our comparison of the best pet insurance.

How much will I be reimbursed with Many Pets?

When you insure your pet with ManyPets and need to make a claim, you'll pay a fixed excess (from £69/year, paid just once per policy year if you claim) and then receive a high rate of reimbursement—for example, 100% minus your co-payment (0% for most pets, 20% for pets aged 7+), up to your annual limit (e.g. £15,000–£20,000/year with the Complete Care plan). Here’s how reimbursements typically work with the most comprehensive “Complete Care” plan:

Example 1: Ongoing treatment for a broken leg (dog or cat)

Total vet fees: £2,500 (consultations, X-rays, surgery, medication)

Excess remaining to pay (first claim of the year): £69

Amount eligible for reimbursement after excess: £2,500 – £69 = £2,431

With Complete Care, for a pet under 7 years old, 100% of the post-excess amount is reimbursed: £2,431 × 100% = £2,431

You receive £2,431 back from ManyPets.

Your out-of-pocket expense: just the £69 excess.

The excess is paid only once each policy year, regardless of how many times you claim for vet fees. For pets aged 7 or over, a 20% co-payment applies to the amount after excess.

Example 2: Dental illness – professional cleaning and tooth extraction

Total vet fees: £900 (dental X-rays, cleaning, extraction, medication)

Excess for the plan year already paid on a previous claim: £0

Amount eligible for reimbursement: £900

With Complete Care (100% reimbursement for pets under 7): £900 × 100% = £900

You receive £900 back from ManyPets.

Your out-of-pocket expense: £0, as your annual excess has already been accounted for.

Most basic plans in the UK do not cover dental illness, but the Complete Care plan does—including dental diseases, not just accidental injuries!

Example 3: Overseas emergency vet treatment during a holiday (dog injury in Spain)

Total vet fees abroad: £1,750 (emergency consult, surgery, overnight hospitalisation)

Excess for the plan year already paid: £0

Amount eligible for reimbursement: £1,750

With Complete Care, vet fees worldwide are covered up to your annual limit. £1,750 × 100% = £1,750 reimbursed.

You receive £1,750 from ManyPets.

Your out-of-pocket expense: £0 for this incident (assuming your excess was previously paid this policy year).

The Complete Care plan covers emergencies anywhere in the world up to your annual vet fee limit—peace of mind even when travelling abroad!

Many Pets Assistance

ManyPets stands out for providing free, unlimited 24/7 online vet consultations via FirstVet, an added value rarely found as standard in the UK market.

Policyholders benefit from an entirely digital claims process and the option for the insurer to pay vets directly, which simplifies reimbursement, though true advance-of-fee systems like Petcard are not available.

Monthly payments come with no extra fees, and the claims experience is generally efficient for straightforward cases, but complex claims may face delays or repeated information requests.

ManyPets does not offer a physical network of vet partners or exclusive in-clinic discounts, and lacks emergency phone triage beyond online vet video calls.

Global coverage is available on premium plans for up to 90 days, but only EU cover applies to entry-level options; owner assistance while travelling is relatively comprehensive albeit with regional limits.

Customer reviews about Many Pets

We analysed the reviews from the site above. In terms of positive points, policyholders who have taken out pet insurance with ManyPets in the UK often mention:

• A fast and hassle-free claims process: many customers highlight that straightforward claims are settled rapidly, sometimes on the same or next day, and even on weekends and bank holidays.
• The free unlimited 24/7 video vet consultations: the access to FirstVet service is valued for its convenience, reassurance during emergencies, and helpful professional advice at all hours, with bilingual UK-registered vets.
• A friendly and responsive customer service: interactions with support staff are frequently described as helpful, empathetic, and knowledgeable, particularly for routine questions and simple claims.
• The user-friendly online management and claims portal: customers appreciate being able to set up policies, submit claims, and track progress with ease through the digital platform.
• Reasonably priced premiums and competitive benefits: the price–benefit balance, the flexibility of lifetime cover, and options like direct-to-vet payment earn positive feedback.

In terms of negative points:

• Lengthy claim processing times for complex or chronic conditions: several policyholders report drawn-out resolution, especially when ManyPets needs details or extra communication with third-party vets.
• Repeated requests for documentation: some customers experience frustration from having to provide the same invoices or medical paperwork multiple times even after initial submission.
• Customer service can be generic or unhelpful for complaints: responses to complex complaints are occasionally felt to be template-driven and not sufficiently personalised or sensitive, particularly in end-of-life situations.
• High premiums for older pets or those with pre-existing/chronic conditions: some policyholders mention significant increases in premium and co-payment, with examples of costly monthly charges.
• Perceived decline in service over time: a number of long-term customers suggest that after company changes or profile mergers, service standards or communication have deteriorated.

How to contact Many Pets?

FAQ

Charlotte Green

Charlotte is a finance content specialist with a sharp analytical mind and a strong academic background. She holds a degree in Philosophy, Politics and Economics (PPE) from the University of Oxford and a Master’s in Behavioural Economics from the London School of Economics. Her academic training gave her the tools to make sense of complex financial systems—and to explain them in a way that’s both smart and relatable. Before joining HelloSafe, Charlotte worked in editorial roles for financial media and strategy firms, where she focused on personal finance, digital banking, and policy analysis. She is passionate about helping people make informed decisions about their money, especially in an age where the financial landscape is changing fast. At HelloSafe, she covers key topics such as insurance, tax, utilities, credit and budgeting tools. Her mission: provide clear, honest and actionable insights that empower readers to take control of their financial lives with confidence.