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Pet insurance is insurance coverage that helps cover your pet’s veterinary expenses. As a health insurance for humans, pet insurance It comes with monthly or annual premiums, and in return, your insurer pays any qualified claims you make for veterinary costs. If you’re concerned about the possibility of expensive vet bills, exploring your pet insurance options may be helpful. worth it.
One pet insurance company you might consider is ManyPets. This provider offers unlimited coverage for a variety of treatments, tests, and medications. Understanding what a ManyPets policy does (and doesn’t) cover, along with its costs, benefits, and drawbacks can help you determine if the company’s plans meet your needs.
You can start by getting a ManyPets price now to find out exactly how much it would cost.
Overview of ManyPets pet insurance
ManyPets offers pet insurance plans for cats and dogs with two main policy types: accident and illness coverage and an optional wellness plan.
Accident and sickness coverage is what most people think of when it comes to health insurance, and it can come in handy if your pet sustains an unexpected injury or suddenly becomes ill.
For additional coverage, the ManyPets wellness plan covers preventive care costs for routine checkups, dental cleaning, immunizations, and other services.
what is covered
According to ManyPets, an accident and illness policy covers veterinary exams, consultations, and “anything that is required to help treat or diagnose an illness or injury.” The company reimburses up to 90% of your veterinary care expenses, such as:
- Boarding at a veterinary clinic when required by your vet
- Cancer diagnostics and treatments for biopsies, chemotherapy, surgery and more
- Chiropractic and acupuncture procedures performed by a veterinarian.
- dental disease
- Diagnostic tests such as X-rays, lab work, MRIs, and other tests
- Hereditary conditions
- Prescription drugs approved by the Food and Drug Administration (FDA)
- Sick Visit Exam Fees
- veterinary specialists
The ManyPets Wellness Plan will reimburse up to $150 per year ($600 total) for the following:
- Dental cleanings such as brushing and polishing.
- Holistic care to improve stress, care for skin, coat, bones and joints
- Preventive care for fleas, ticks and heartworms
- Routine checkups and vaccinations such as rabies, Bordetella and more.
If you think you could benefit from the protections ManyPets offers, start by looking at their prices.
What is not covered
The following expenses are not covered by ManyPets pet insurance:
- Anal gland expression
- Elective or cosmetic procedures such as grooming, ear cropping, tail docking, and more
- Routine dental care (must enroll in wellness plan)
- Drugs that are not approved by the FDA
- pre-existing conditions (unless your pet is symptom, treatment and diagnosis free for at least 18 months prior to signing up for your policy)
- Prescription foods, supplements and vitamins.
- Preventive care (must enroll in wellness plan)
- spay/neuter
Cost of ManyPets Pet Insurance
ManyPets insurance coverage for your pet starts at $15 per month for a cat and $20 per month for a dog. Insurance is usually more expensive for dogs that cats. That’s because dogs are often larger than cats and require more medication and sedation. Keep in mind, pet insurance costs vary widely depending on your pet raceage and other factors.
The price of the premium for your pet will also depend on the coverage options you choose, which are the following:
- Deductible: $250, $500 or $750
- Refund Amount: 70%, 80%, 90%
- Annual Coverage Amount: Unlimited
cost comparison
To give you an idea of how ManyPets’ policy prices compare to other providers, here’s an example of how much it might cost to insure a healthy five-year-old, mixed, medium-weight dog in Boulder, Colorado. In this case, coverage options include a $500 deductible, 80% reimbursement, and the maximum coverage allowed for each provider.
|
a lot of pets |
Lemonade |
Hug |
|
|
Cost* |
$28 per month |
$39 per month |
$93 per month |
|
deductible options |
$250, $500, $750 |
$100, $250, $500 |
$100, $250, $500, $750, $1,000 |
|
refund percentage |
70%, 80%, 90% |
70%, 80%, 90% |
70%, 80%, 90% |
|
Annual Coverage Amounts |
Unlimited |
$5,000 to $100,000 |
$5,000 to Unlimited |
*Quotations are for a 5 year old, medium weight, mixed breed dog in good health in Boulder, Colorado. Coverage options include a $500 deductible, 80% reimbursement percentage, and the maximum amount of coverage for each provider.
As the example illustrates, ManyPets is affordable compared to these two providers and should be competitive with most providers on the market. Of course, the price you receive for pet insurance it will vary based on your pet’s breed, age and health status, as well as your policy options and other factors. If you need it insure more than one petManyPets lives up to its name by offering a multi-pet discount of up to 15%.
If you’re curious about how much a policy might cost you, you can get a quick and accurate quote by answering a few questions on the ManyPets site.
Pros and Cons of ManyPets Pet Insurance
As with any insurance product, it is always wise to weigh the Benefits vs. the disadvantages of a pet insurance policy. Here are the pros and cons of ManyPets pet insurance:
advantages
- Premiums are among the lowest on the market
- There are no fees for sick visit exams
- No claim limits
- Covers veterinary exam fees related to accidents and illnesses
- Offers optional wellness plan
Cons
- Not available in some states (does not cover Alaska, Florida, Hawaii, Idaho, Massachusetts, Minnesota, Missouri, Oklahoma, or Vermont)
- Does not cover spaying or neutering.
The Unique Benefit of ManyPets
Many pet insurers that offer unlimited annual coverage limits also offer smaller limits ranging from $5,000 to $100,000. Applicants can often lower their premiums by selecting a lower annual coverage limit.
By contrast, ManyPets only offers unlimited annual coverage, but still manages to provide pet owners with an affordable plan. In this way, ManyPets offers the best of both worlds: unlimited claims and low premiums. You can easily apply for a ManyPets policy online now.
The bottom line
ManyPets is an affordable pet insurer that offers an accident and injury policy and an optional wellness plan for additional coverage. With this policy, you won’t be burdened with annual coverage limits and you can choose a reimbursement option of up to 90%. That means your furry friend can get the care they deserve, and you’ll only be responsible for your share of the bill and your deductible.
Whether you choose ManyPets or another pet insurance company, take a close look at the coverage a policy covers. If your pet is at risk for an inherited disease, for example, you’ll want to make sure a provider covers treatment for that condition. Remember, pet insurance companies don’t cover pre-existing conditions, so consider getting pet insurance if your pet is in good health to ensure you’re covered later on.