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Fact
ManyPets — Accident & IllnessRemove
BrandManyPets
TypeInsurance
ForCat, Dog
CoverageAccident and illness
What's coveredEligible diagnostics, prescription medication, surgery, hospitalization, emergency care, and cancer treatment can be covered.
ExclusionsPre-existing conditions and routine or preventive care are excluded from insurance; optional wellness benefits are separate.
ReimbursementThe policy includes a co-pay; the current percentage is shown in the quote and policy.
How reimbursement is worked outAfter the annual deductible is met, eligible covered costs are reimbursed subject to the policy's co-pay.
DeductibleAnnual deductible; the current amount is shown in the quote and policy.
How the deductible worksAnnual deductible; met once during the policy year.
Annual limitNo maximum for annual or lifetime payouts
Payout limitNo maximum annual or lifetime payout.
Waiting period: accidents15 days in most active states; no accident waiting period in DE, LA, ME, MS, NE, NH, or WA, subject to current state terms.
Waiting period: illnesses15 days in active states, subject to current state terms.
Waiting period waiverA waiting period may be waived for a qualifying switch from valid prior insurance; additional reductions vary by state.
Pre-existing conditionsPre-existing conditions are not covered
DentalEligible dental illnesses and injuries can be covered, subject to policy terms.
PrescriptionsPrescription medications for eligible covered conditions can be covered.
Preventive careAn optional wellness plan is available for eligible routine and preventive expenses; it is separate from insurance.
Which vetsUse any licensed veterinarian in the United States, with temporary coverage for eligible care in Canada.
Paying the vetDirect veterinarian payment is not offered; the policyholder pays first and receives reimbursement.
ClaimsSubmit the claim online; complete claims typically take 8 to 10 days and are paid by direct deposit or check.
Where it's offeredCurrently not available in all states
Checked against the sourceJuly 23, 2026

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