ManyPets (formerly Bought By Many) offers a refreshingly simple, comprehensive plan: no per-condition sub-limits, exam fees and dental included, free vet video calls, and a single short waiting period. In this 2026 review we cover what ManyPets includes, its pricing and waiting periods, the pros and cons, and who it's best for.
ManyPets at a glance
| ComparePetCover rating | 4.1 / 5 |
| Annual limits | Up to $15,000 (no per-condition sub-limits) |
| Deductibles | Annual, multiple options |
| Reimbursement | 70% · 80% · 90% |
| Exam fees | Included ✓ |
| Waiting period | 15 days for accidents & illnesses (one wait) |
| Best for | Simple comprehensive coverage, no sub-limits |
What ManyPets covers
ManyPets is built around simplicity — its plan removes the fine print that trips owners up elsewhere:
- No per-condition or per-body-part sub-limits — your whole annual limit is available for any covered condition.
- Vet exam fees and dental illness included in the base plan.
- Free FirstVet video calls — unlimited vet video consultations included.
- Covers hereditary and congenital conditions; optional wellness in some states.
By dropping per-condition sub-limits and including exam fees, ManyPets avoids the "covered but capped" surprises common elsewhere — what you see in the annual limit is what you can actually claim for any one condition.
Plans, limits & pricing
ManyPets pricing is competitive for the inclusive coverage. Representative 2026 ranges (vary by breed, age and state, where available):
| Pet | Typical ManyPets premium (/mo) |
|---|---|
| Dogs | $30 – $70 |
| Cats | $15 – $38 |
Because exam fees and dental illness are included and there are no per-condition sub-limits, the premium is closer to an all-in figure than budget insurers whose low price excludes those. A multi-pet discount is available in supported states.
Pros
- No per-condition or sub-limits within your annual max
- Exam fees and dental illness included
- Free FirstVet video calls included
- One short 15-day waiting period for accidents and illnesses
- Clear, simple policy design
Cons
- Availability varies by state (still expanding in the US)
- Fewer plan permutations than some rivals
- Newer US brand (long-established in the UK)
- Pre-existing conditions excluded (all insurers)
Waiting periods & exclusions
ManyPets applies a single 15-day waiting period for both accidents and illnesses — simpler than insurers with separate accident, illness and 6-month orthopedic waits. Pre-existing conditions are excluded, though ManyPets is known for a relatively flexible approach to curable historical conditions — confirm the specifics in your state.
How claims & reimbursement work
You file claims online or by app and use any licensed vet, with reimbursement of 70%, 80% or 90% after your deductible. Members also get free FirstVet video consultations for advice between visits. It's a pay-first reimbursement model.
Who ManyPets is best for
ManyPets is the strongest fit for owners who want simple, comprehensive coverage — no confusing sub-limits, exam fees included, one short wait — and who value included vet video calls. If ManyPets isn't available in your state yet, a comparably inclusive insurer is the alternative.
How ManyPets compares
Premiums and coverage vary by pet, breed, age and your state. See how ManyPets stacks up in our full provider comparison, or check average pet insurance costs in your state.
Frequently Asked Questions
Does ManyPets have per-condition limits?
No — there are no per-condition or per-body-part sub-limits; your full annual limit is available for any one covered condition, which avoids "covered but capped" surprises.
Does ManyPets cover exam fees?
Yes — vet exam fees and dental illness are included in the base plan, and members also get free FirstVet video consultations.
What is ManyPets' waiting period?
A single 15-day waiting period for both accidents and illnesses — simpler than insurers with separate accident, illness and orthopedic waits.
Is ManyPets available in my state?
ManyPets is still expanding across the US, so availability and exact terms vary by state — check whether it's offered where you live before comparing.
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