Shady business practices.....you are NOT able to see your claims online, you are NOT able to edit or make changes to your payment methods for you monthly automated payments and when you call customer service they have limited access to data that would help navigate customer inquiries. On 2 separate claims, I was given wrong information over the phone. One of those claims, 2 separate represents provided me wrong information stating I was getting reimbursed and a check was in the mail which none was true. I had to call my bank to not allow this company to continue to charge my account each month. I don't care what their contract says, but the minute you not allow me to access my own personal data for my credit card information online, throws red flags and not be able to see my claims. I have been told for months that this is a future enhancement. It has been 9 months. Read the fine print and don't expect to get consistent and accurate information when everything is done in a silo behind closed doors when reviewing your claims.

Not impressed with the insurance company not pre-approving a surgery. How do I know if you will tell me it was preexisting or not.

SCAM!!!!

Stray far away from this company. You will lose more money with them, than you think. I signed up thinking it would help with covering my pets visits. They find ways not to reimburse you for what they originally say they can. The only way to check the status of your claims is by email(which takes days for them to respond) or by phone(which is very frustrating when you speak to a new person every time, and have to re explain your situation to a new rep every single time). They are very disorganized… and you will never get anywhere with them when you have complaints and/or concerns. I am not in the hole due to this insurance company due to false or lack of prior information. They constantly tell you sorry and that’s all you get. Not to mention, they require 18 months of medical records in order to cover claims. It is a total waist of money. If you ever speak to a “supervisor” named Sarah, be warned that she does not care about your concerns, as she is trained to stray you away from canceling, as well as giving you a constant response of “I’m sorry that happened to you, I wish there was something I could do.”

After much research, I chose ManyPets as the insurance provider for my two cats, happy to have found a policy that covers older cats. My older cat hadn't been to the vet in over a year as she hasn't had any issues. She doesn't travel well so I spared her the trauma of being in the car. When I recently noticed blood in her stool I was really worried that it would be a serious issue so I brought her to the vet. It turned out to be nothing thankfully so I submitted the small claim with confidence that it would be paid out. Boy was I wrong. Unlike the many reviews about a quick turnaround, I waited 11 days for a response. The email from ManyPets states that claims take 22 days currently. They denied the claim on the premise that it’s a preexisting condition because my vet stated she had the issue for about a month, therefore prior to the policy start. In reality, she had soft stool for a time that I guesstimated to a month, not blood in the stool which happened right before I brought her in. As any pet owner knows, cats can have soft stools over the years which resolve on their own and can be caused by many reasons, none of which constitutes a “condition.” Soft stool is not a diagnosis. ManyPets has added this “condition” to her chart therefore she can’t be covered for any kind of soft stool in the future unless she never has it again for the next 18 months. Again this is nearly impossible for a cat eating off-the-shelf cat food that can cause diarrhea due to poor quality control or formula changes. So basically any condition she may have in the future that ManyPets can construe as related to the soft stool won’t be covered. If you’re an honest person who provides your vet with details to help your pet, beware – anything you say can and will be used against you. And if your memory is poor, make sure you have a calendar on hand to prevent having your pet branded with a preexisting condition. I canceled my policy, which had just charged to my card today, only to find out that they won’t refund the charge because you have to wait a month. So I’ve paid for two months of coverage for a healthy cat with one minor event that will never be covered. Stay away from this company unless you have a young pet with zero health history, or are adept at insurance-speak. You’re better off saving for your pet via an interest-bearing account with no headaches. I gave one star for the courteous demeanor of the agent I spoke with today.

UPDATE: After a year they removed the option for 100% reimbursement. Now they’re just like any other average pet insurance company. I won’t be sticking around once my second cat’s plan expires. My experience so far with ManyPets has been amazing. I did a LOT of research when selecting pet insurance for my kitten and ultimately chose ManyPets over competitors like Lemonade and Embrace. The monthly premium is extremely affordable considering I’m getting 100% coverage and only a $250 deductible. The coverage itself is also great, and their base plan covers more than most providers. I also love that ManyPets will waive the waiting period if you switch to them from a different provider. My first claims were a breeze to process and I received my reimbursement within ONE (1) week!

Your policy is design to take your money.For any little rule u people put on contract for no claim.And then we have to run around to get records from the past because u people r all parrinod . And just what reason not to pay a claim and then if by some chance u get a claim u still get ripped off from deductions thats Thats animal abuse in my book u people don't give a "'*-_- about our pets u just what to suck the money out of us poor people that love there dogs

There has been no correspondence since I signed up. This is the first email since the initial sign up email.

My first claim...never got reimbursed still...it's been 3 weeks. Been emailing them, I get a reply but nothing to solve my issue. This is very frustrating.

Horrible experience. I purchased my pet's insurance on Sept 19. Gave my credit card information at that time and received an email confirmation with an invoice that I thought was simply a receipt. No where in that email does it say my credit card did not go through. On Oct 17th I received another invoice at 9pm EST. Then at 12am Oct 18th I receive a cancelation email. I reached out to customer service once I read the email and was told my card was not processed because of a bad security code. Okay. They made zero and I mean zero effort to regain my business. They even lied and told me that I was told that my card was not processed when I first signed up by email but the email mentions nothing about a problem processing my card.