ManyPets — Accident & Illness

Plan facts

Coverage

Accident and illness

What's covered

Eligible diagnostics, prescription medication, surgery, hospitalization, emergency care, and cancer treatment can be covered.

Exclusions

Pre-existing conditions and routine or preventive care are excluded from insurance; optional wellness benefits are separate.

Reimbursement

The policy includes a co-pay; the current percentage is shown in the quote and policy.

How reimbursement is worked out

After the annual deductible is met, eligible covered costs are reimbursed subject to the policy's co-pay.

Deductible

Annual deductible; the current amount is shown in the quote and policy.

How the deductible works

Annual deductible; met once during the policy year.

Annual limit

No maximum for annual or lifetime payouts

Payout limit

No maximum annual or lifetime payout.

Waiting period: accidents

15 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: illnesses

15 days in active states, subject to current state terms.

Waiting period waiver

A waiting period may be waived for a qualifying switch from valid prior insurance; additional reductions vary by state.

Pre-existing conditions

Pre-existing conditions are not covered

Dental

Eligible dental illnesses and injuries can be covered, subject to policy terms.

Prescriptions

Prescription medications for eligible covered conditions can be covered.

Preventive care

An optional wellness plan is available for eligible routine and preventive expenses; it is separate from insurance.

Which vets

Use any licensed veterinarian in the United States, with temporary coverage for eligible care in Canada.

Paying the vet

Direct veterinarian payment is not offered; the policyholder pays first and receives reimbursement.

Claims

Submit the claim online; complete claims typically take 8 to 10 days and are paid by direct deposit or check.

Where it's offered

Currently not available in all states