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Brand review
ManyPets sells one type of cover, lifetime, with a high annual vet-fee limit and an option to cover some recent pre-existing conditions. This review is built from the current ManyPets Complete Care Insurance Product Information Document.
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Last reviewed: 20 June 2026
ManyPets offers lifetime cover only, with an annual vet-fee limit of 15,000 or 20,000 pounds on the Complete Care plan. It is administered by ManyPets Ltd (FCA register number 652623) and underwritten by Wakam SA and SCOR UK Company Limited on a 50/50 coinsurance basis. A 20% co-payment is added automatically on the first renewal after the pet turns 7. Pre-existing conditions are excluded unless clear for 24 months, though a separate Standard Care Pre-existing plan covers conditions clear for 3 months.
Key facts
- Cover type: lifetime (yearly-limit) only.
- Annual vet-fee limit: 15,000 or 20,000 pounds (Complete Care).
- Administrator: ManyPets Ltd, FCA register number 652623.
- Underwriter: Wakam SA (50%) and SCOR UK Company Limited (50%).
- Age co-payment: 20% from the first renewal after age 7.
Who underwrites ManyPets
ManyPets Ltd is the administrator and the FCA-authorised firm under register number 652623. The current Complete Care policy is underwritten by Wakam SA and SCOR UK Company Limited on a coinsurance basis, with each carrying half of the risk. This is a recent change worth noting: older policy documents and many comparison sites still name Great Lakes Insurance as the underwriter, which was the previous arrangement. The current document, dated October 2025, names Wakam and SCOR.
What the Complete Care plan covers
Within the chosen annual limit, the Complete Care plan covers vet fees for accident and illness, dental accident and illness, diagnostics including CT and MRI scans, and behavioural treatment that follows a physical accident or illness. It also includes 3,000 pounds of complementary treatment, 500 pounds of vet-prescribed food, 2 million pounds of third-party liability, worldwide emergency treatment within the annual limit, and cover for death, theft or loss up to 6,000 pounds. Claims must be submitted within 6 months of the date of treatment.
What is not covered, and the restrictions
Pre-existing conditions are excluded where signs, symptoms, treatment or advice occurred in the 24 months before the plan started. Routine and preventative treatment is not covered. There is a waiting period of 48 hours for accidents and 14 days for illness, waived only if the pet had at least 12 continuous months of cover with another insurer immediately before joining. The single most important restriction for ageing pets is the co-payment: a 20% share of every claim is added automatically on the first renewal after the pet turns 7.
Strengths and limitations
On the policy facts, the strengths are a high top limit of 20,000 pounds, a single excess per policy year rather than per condition, the option to cover recent pre-existing conditions through the separate Standard Care Pre-existing plan, and 24/7 video vet access included as standard. The limitations, also on the facts, are the 20% co-payment from age 7, dental illness cover only on the higher Complete tiers, and the 6-month claim submission window, which is shorter than some lifetime competitors allow.
Disclaimer
This review is editorial information, not financial advice. Kael Tripton Ltd is not authorised or regulated by the Financial Conduct Authority and does not arrange, advise on or sell insurance. Policy terms change. Confirm the current cover, limits and co-payment in the ManyPets policy documents before buying.
Does ManyPets cover pre-existing conditions?
The standard Complete Care plan excludes conditions with signs or treatment in the 24 months before the plan starts. A separate Standard Care Pre-existing plan covers conditions that have been clear for 3 months, subject to underwriting.
At what age does the ManyPets co-payment start?
A 20% co-payment is added automatically on the first renewal after the pet turns 7, according to the Complete Care Insurance Product Information Document.
Who underwrites ManyPets pet insurance?
The current Complete Care policy is underwritten by Wakam SA and SCOR UK Company Limited on a 50/50 coinsurance basis. ManyPets Ltd is the administrator, FCA register number 652623.
