Overall Rating: 4.6 / 5
ManyPets — formerly known as Bought By Many until its 2022 rebrand — is the highest-rated major UK pet insurer on Trustpilot, scoring 4.8/5 from tens of thousands of reviews. It offers lifetime cover up to £20,000/year, app-based claims processing, and some of the most transparent policy wording in the market. If Petplan is the establishment choice, ManyPets is the modern challenger — and for many owners, the better value option.
| Category | Rating | Notes |
|---|---|---|
| Coverage breadth | 4.5/5 | Lifetime cover, hereditary, dental illness included |
| Price / value | 4.5/5 | Competitive pricing for £20,000 lifetime cover |
| Claims experience | 5/5 | App-based, fast — 4.8/5 Trustpilot score reflects this |
| Digital experience | 5/5 | Best-in-class app: buy, manage, claim, track in-app |
| Policy transparency | 4.5/5 | Plain-English policy documents, clear exclusion lists |
Best for: Owners who want top-rated claims service, a £20,000 annual limit at competitive prices, and a fully digital experience. Excellent for both dogs and cats.
Not ideal for: Owners wanting a per-condition limit structure (Petplan offers this); those preferring phone-first customer service over app-based management.
ManyPets Plans and Pricing
ManyPets offers one primary product structure: lifetime cover with a total annual benefit pot (not per-condition). You choose the annual limit and excess level:
| Annual Limit | Policy Type | Excess |
|---|---|---|
| £2,000 | Lifetime | From £69/year |
| £5,000 | Lifetime | From £69/year |
| £8,000 | Lifetime | From £69/year |
| £20,000 | Lifetime | From £69/year |
Important: ManyPets uses a total annual pot — not a per-condition limit. The £20,000 is shared across all conditions in a year. For pets with multiple simultaneous conditions, this is less generous than Petplan's per-condition structure (£12,000 per condition). For most pets with a single serious condition, the total pot model makes no difference in practice. The excess also works on an annual basis — from £69, charged once per policy year rather than per condition, which keeps costs down for pets claiming for more than one issue.
Sample Monthly Premiums (GBP, £8,000 lifetime cover)
| Pet | Lower excess | Higher excess |
|---|---|---|
| Domestic cat, 2 years | ~£14/mo | ~£10/mo |
| Mixed breed dog, 2 years | ~£28/mo | ~£20/mo |
| Labrador Retriever, 2 years | ~£38/mo | ~£28/mo |
| French Bulldog, 2 years | ~£65/mo | ~£50/mo |
| Golden Retriever, 2 years | ~£42/mo | ~£32/mo |
Excess options now start from £69/year (charged once per year, not per condition); exact premiums depend on the excess level chosen.
What ManyPets Covers
- Accidents and injuries
- Illnesses — including cancer, diabetes, kidney disease, epilepsy
- Hereditary and congenital conditions (if not pre-existing at enrollment)
- Dental illness — tooth fractures, abscesses, dental disease treatment
- Complementary therapies — acupuncture, hydrotherapy, physiotherapy when vet-referred
- Specialist referrals and emergency care
- Surgery, hospitalisation, diagnostics
- Prescription medications
- Exam fees for eligible claims
- Boarding fees if owner is hospitalised
Not covered: Routine wellness (vaccines, flea/tick prevention, dental cleaning), elective procedures, food and supplements, grooming.
Pre-existing conditions: Standard ManyPets plans exclude pre-existing conditions, but eligible pets can be covered for them under ManyPets' Standard Care Pre-existing plan — worth asking about at quote stage if your pet has a prior diagnosis.
The Claims Experience
Most owners submit ManyPets claims through the app or website, but claims can also be submitted via your vet:
- Upload vet invoice and relevant records in the app, on the website, or have your vet submit on your behalf
- ManyPets reviews the claim (average decision within 5–7 working days)
- Approved amount paid directly to your bank account
The app also shows claim status in real time, policy documents, renewal information, and vet search. This transparent, digital-first experience is reflected in the 4.8/5 Trustpilot score — the highest of any major UK pet insurer.
Bought By Many vs ManyPets — What Changed
Bought By Many rebranded to ManyPets in October 2022. The core insurance products remained the same — the rebrand was primarily a name and brand identity change to reflect the company's expansion into the US and Swedish markets. Existing Bought By Many policyholders were migrated to the ManyPets brand with no change to their policy terms.
ManyPets vs Petplan
| Feature | ManyPets | Petplan |
|---|---|---|
| Max annual limit | £20,000 (total pot) | £12,000 (per condition) |
| Limit structure | Total annual pot | Per condition — more generous for multi-condition pets |
| Trustpilot | 4.8/5 | 4.3/5 |
| Claims method | App, online, or via vet | Phone, online, or direct vet |
| Price | Mid-range | Premium |
| Market experience | Since 2017 | Since 1976 |
Pros and Cons
| Pros | Cons |
|---|---|
| Highest Trustpilot rating of any major UK pet insurer (4.8/5) | Total annual pot — less generous than per-condition for multi-condition pets |
| £20,000 annual limit at competitive prices | Shorter market history than Petplan |
| Excellent app — buy, claim, track all in-app | No direct vet payment network (Petplan has this) |
| Plain-English policy documents | Premiums rise with age at renewal |
| Fast claims processing (5–7 working days average) | No wellness add-on |
Frequently Asked Questions
Is ManyPets good pet insurance in the UK?
Yes — ManyPets is the highest-rated major pet insurer on Trustpilot in the UK (4.8/5). Its lifetime cover with up to £20,000/year, app-based claims, and competitive pricing make it the strongest overall challenger to Petplan for most UK pet owners.
Does ManyPets cover pre-existing conditions?
Standard ManyPets plans don't cover pre-existing conditions. However, ManyPets offers a Standard Care Pre-existing plan that can provide cover for eligible pets with a prior diagnosis — check with ManyPets directly to see if your pet qualifies.
What happened to Bought By Many pet insurance?
Bought By Many rebranded to ManyPets in October 2022. The insurance products, coverage terms, and claims processes remained unchanged. The rebrand reflected the company's international expansion. Existing policyholders kept their coverage without any gap.
How much does ManyPets cost in the UK?
Approximately £14–£65/month depending on pet type, breed, age, and annual limit chosen. The £8,000 lifetime plan with the lower excess typically costs £28–£42/month for a 2-year-old dog (breed-dependent). Excess starts from £69/year, charged once per year rather than per condition. Cats are significantly cheaper at £14–£20/month.