ManyPets offers customizable pet health insurance for accidents and illnesses, with an optional wellness plan for routine and preventative care, for both dogs and cats. It is currently offered in 40 states with plans to expand to more. ManyPets is underwritten by Accredited Surety and Casualty Co.
I was completely impressed with their professionalism and customer service. The claim was processed quickly. I highly recommend Many Pets to anyone with a pet. đź‘Ťđź‘Ť
If you submit an accident or illness claim, they make it terribly difficult to get it approved. They will request for all previous vet records, which is fair, but if they don't understand them in the slightest they will tell you that there are parts "missing" and they will be closing your claim. You'll then have to argue that things are not missing, and they'll simply reopen it.
After that, if there is you're filing anything even remotely related to what your animal has experienced before, they will deny you. Your cat chipped a tooth in the past and now has problems with their gums? Pre-existing condition: denied. Your dog broke their back leg and now they broke their front leg? Pre-existing condition: denied.
On top of that, they say that "if your animal goes 18 months without being seen or experiencing symptoms of a condition, it will be removed from the list of not-cover conditions". That's a lie, they don't do that. I'm still being denied claims despite it being years since certain conditions.
Don't waist your time
Excellent experience with submitting my first 2 claims for my dog who went into an Addisonian Crisis and had to stay at the ER for 2 days, as well as for a follow up check up with her normal vet. The only weird thing I've seen so far is that "taxes and fees" are excluded from covered amounts, which seem strange, but I plan to follow up with ManyPets for clarification on this.
