ManyPets Review 2026 — Best Pet Insurance in the UK?

ManyPets has quickly become one of the most talked-about pet insurance brands in the UK, and after testing its policies and claim process we can see why. With lifetime cover up to £15,000 per year, dental included as standard, a market-leading 15% multi-pet discount and no upper age limit, it offers the most comprehensive cover we have found at a competitive price. In this review we break down exactly what you get, what it costs, and how the claims process works. Get a ManyPets quote →

What is ManyPets?

ManyPets (formerly known as Bought By Many in its earlier incarnation before the brand split) is a UK-based pet insurance provider that launched with a simple mission: make pet insurance fairer, faster and more comprehensive. It is authorised and regulated by the Financial Conduct Authority (FCA), and its policies are underwritten by established insurers.

The company built its reputation on offering cover that other insurers exclude or charge extra for — dental illness, complementary therapies, and behavioural therapy are all included as standard on its lifetime policies. It also pioneered direct-to-vet claims at scale, meaning in many cases you never have to pay the full bill upfront and wait for reimbursement.

What Does ManyPets Cover?

ManyPets offers a single comprehensive lifetime policy structure with tiered annual limits. Here is what is included as standard:

• Vet fees — up to £15,000 per year, resetting on renewal. This covers illness, injury, diagnostics, surgery, hospitalisation and medication.
• Dental illness and injury — included as standard, covering both routine dental problems (gum disease, tooth extractions) and accidental dental injury. Many insurers exclude dental or charge extra; ManyPets includes it.
• Third-party liability — up to £2 million if your dog causes injury or property damage to a third party.
• Complementary therapies — hydrotherapy, physiotherapy, osteopathy, behavioural therapy and acupuncture, all covered when referred by a vet.
• Euthanasia and cremation — covered up to the vet fee limit.
• Advertising and reward — up to £1,000 if your pet goes missing.
• Boarding fees — up to £1,500 if you are hospitalised and cannot care for your pet.
• Holiday cancellation — up to £5,000 if you have to cancel a holiday due to your pet’s illness.

Comparison Table

As the table shows, ManyPets leads on vet fee cover, dental, multi-pet discount and age flexibility simultaneously — a rare combination.

Pricing and Multi-Pet Discount

ManyPets premiums start from approximately £18.50 per month for a dog and £9 per month for a cat, based on a healthy 3-year-old medium-breed dog or a domestic shorthair cat with a £60 excess. Actual prices vary by breed, age, location and postcode, so you should always get a personalised quote.

The standout pricing feature is the 15% multi-pet discount, which is the best in the UK market. Most competitors offer 10%. For a household with two dogs and a cat, this discount can save £150–£250 per year compared to a 10% competitor — a meaningful difference that compounds over your pet’s lifetime.

There is also a low excess option: you can choose a £60, £100 or £250 excess. A higher excess reduces your monthly premium but means you pay more per claim. For most owners, the £60 excess is the sweet spot.

The Claims Process

This is where ManyPets genuinely differentiates itself. The claims process is designed to be as painless as possible:

1. Visit any vet — ManyPets does not restrict you to a network. You can use any UK-registered vet.
2. Direct-to-vet settlement — for claims over your excess, ManyPets can pay the vet directly. You only pay the excess at the vet’s reception. This means you never have to find £5,000 upfront for an emergency surgery.
3. App-based claims — you can submit a claim through the ManyPets app or online portal. Simply upload the vet invoice and clinical notes.
4. Fast payouts — most straightforward claims are processed within 3–5 working days. Reimbursement is paid by bank transfer.

In our testing and from aggregated customer reviews, the claim payout rate is high and disputes are rare. ManyPets publishes its claims data transparently, which is more than most insurers do.

Pros and Cons

Pros

• Highest vet fee cover — up to £15,000/year, resetting annually on lifetime policies.
• Dental included as standard — covers both illness and injury, with no extra premium.
• 15% multi-pet discount — the best in the UK market.
• No upper age limit — you can insure a senior pet for the first time.
• Direct-to-vet claims — no large upfront payments for major treatments.
• Complementary therapies included — hydrotherapy, physiotherapy and behavioural therapy covered.
• Competitive pricing — cheaper than PetPlan despite higher cover limits.
• Fast claim payouts — typically 3–5 working days.

Cons

• Newer brand — lacks the decades of name recognition that PetPlan enjoys, which matters to some owners.
• Breed exclusions — certain high-risk pedigree breeds may face higher premiums or specific exclusions.
• No pet travel cover — if you take your pet abroad under the PETS scheme, you will need separate travel insurance.
• Online-only management — there is no telephone-based account management portal, though claims can be submitted by phone.

Frequently Asked Questions

Is ManyPets good pet insurance?

Yes — based on our review, ManyPets is the best pet insurance in the UK for 2026. It offers the highest annual vet fee cover (£15,000), includes dental as standard, has a 15% multi-pet discount and no upper age limit. Claim handling is fast and direct-to-vet settlement removes the stress of upfront payments. Get a quote →

Does ManyPets cover dental?

Yes. ManyPets includes dental illness and dental injury cover as standard on its lifetime policies. This covers gum disease, tooth extractions, and accidental dental injury. You do not need to pay extra for a dental add-on.

Does ManyPets have an age limit?

No. ManyPets has no upper age limit for new policies, making it one of the few insurers where you can insure a senior pet for the first time. This is particularly valuable for owners who adopted an older rescue animal.

How long does a ManyPets claim take?

Most straightforward claims are processed within 3–5 working days. Complex claims requiring additional vet information may take longer, but ManyPets aims to settle all claims within 10 working days.

Can I use any vet with ManyPets?

Yes. ManyPets does not operate a vet network. You can use any UK-registered vet, including specialist and referral hospitals.

Our Verdict

ManyPets is our #1 recommended pet insurer for 2026. It offers the best combination of cover level, price, dental inclusion, multi-pet discount and age flexibility in the UK market. The direct-to-vet claim process and fast payouts remove the financial stress that makes pet emergencies so difficult. If you are looking for lifetime cover that genuinely protects your pet from kittenhood or puppyhood through to old age, ManyPets is the strongest choice we have reviewed.

Get a ManyPets quote today →

Get a Quote

Ready to protect your pet? Get a quote from our recommended providers:

• Co-op Pet Insurance - Comprehensive cover from a trusted UK brand. Awin verified.
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