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Paw Protectvs ManyPets

Paw Protect vs ManyPets: Verdict

Paw Protect and ManyPets are two of the newer names in US pet insurance,  but there’s a big difference between them: Paw Protect is the only one that can send its share of covered claims to your bank account while you’re still at the vet, meaning you don’t have to pay the entire bill upfront using your own money. Here’s how they compare:

PawManyPets
Can pay vet bills upfront
Annual coverage options$5000, $10,000, UnlimitedUnlimited
Deductible options$100, $250, $500$500
Reimbursement options70%, 80%, 90%70%, 80%
Illness coverage start14 days15 days
Maximum age at sign-upCoverage (14 years) and Accident only (14+ years)14 years
Vet exam fees included
Dental accidents covered
Dental illness covered
Wellness plan offered
24/7 Telehealth
End of life coverage included
10% Multi-pet discount
Military discount

Information correct as of May 2023

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Paw Protect vs ManyPets: Claims process

When 59% of Americans have less than $500 in savings, paying a large unexpected vet bill can be a major issue. That’s why Paw Protect is such a life-saver for many pet parents. Its customers can simply call them from the vet when they get a covered vet bill, and Paw Protect can approve the claim and send the money for its share of the vet bill straight to the customer’s bank account. That way, the customer only has to pay their deductible and copay.

With ManyPets, you have pay for the treatment in full, then claim it back (less your deductible and copay). To make a claim with ManyPets, for example, you just email your pet’s medical records, the itemized vet bill, and details of the claim. It’ll provide email updates.

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Paw Protect vs ManyPets: What do the plans cover?

Paw Protect and ManyPets cover pretty much any unexpected accident or illness that your furry friend might experience. They cover breed-specific, congenital or genetic conditions, plus chronic, preventable and orthopedic issues. 

Some common things covered by both plans are:

  • Diagnostics (X-rays, MRIs, etc)
  • Medications (such as prescriptions and injections)
  • Dental disease 
  • Cancer 
  • Congenital conditions 
  • Allergies
  • Vomiting and diarrhea
  • Otitis
  • Limping
  • Cancer
  • Cruciate rupture
  • Arthritis
  • UTI’s
  • Seizures
  • Diabetes
  • Gastroenteritis
  • Pancreatitis
  • Hypothyroidism
  • Dermatitis
  • Dental disease
  • Kidney disease
  • Hip and elbow dysplasia
  • Lymphoma
  • Inflammatory bowel disease
  • Heart murmur
  • Bite wounds
  • Cataracts
  • Liver disease
  • Glaucoma
  • Fevers
  • Ear infections

Paw Protect and ManyPets both include vet exam fees for accidents and illness (typically it costs $80-120 for a vet exam fee). 

Paw Protect also has a really handy 24/7 pet telehealth service, called Paw Support. This is great if you need advice about a pet health concern in the middle of the night when your vet is closed. ManyPets does not offer a pet telehealth service. 

Complementary services, such as acupuncture or chiropractic care, are covered by both insurers, but only Paw Protect insures for behavioral treatment.

Finally, if you travel with your pet there are differences too. With Paw Protect you’ll be covered anywhere in the world for up to six months, whereas with ManyPets you’ll be covered within the US only.

Do Paw Protect and ManyPets have a wellness plan?

Paw Protect offers a Wellness Rewards plan as an optional extra. It helps you to help pay for those predictable expenses, such as routine wellness exams, vaccinations, grooming, spaying and neutering, dental cleaning, plus flea, tick and heartworm treatments. 

You can select from $250, $450 or $650 of annual coverage and, if you use all the benefits, it will save you money each year. Wellness Rewards is offered as a supplementary, non-insurance benefit administered by Embrace Pet Insurance Agency in the United States. Wellness Rewards is not available in Rhode Island.

ManyPets’ wellness plan delivers up to $150 of coverage for each category of preventative care, including routine wellness visits, parasite prevention, dental cleanings, plus vitamins and supplements.

Paw Protect vs ManyPets: What are the coverage limits?

Paw Protect has annual limit options of $5,000, $10,000 and Unlimited, which gives you more flexibility when budgeting your monthly premium. You can alter the coverage every year at renewal time.

ManyPets offers Unlimited annual coverage as standard.

Paw Protect vs ManyPets: Deductibles

When it comes to deductibles (the amount you pay towards claims before the insurance kicks in), ManyPets only offers $500 per year. Paw Protect has a choice of $100, $250 and $500. 

Both insurers only charge one deductible in each annual insurance period, not for every claim. In addition, Paw Protect offers a $50 deductible discount for each claim-free year. ManyPets doesn’t do this. 

What are Paw Protect and ManyPets’ reimbursement percentage options?

Paw Protect offers three reimbursement choices – you can claim back 70%, 80% or 90% of the treatment costs (after the deductible). ManyPets offers 70% and 80%. The less the insurer pays, the lower your monthly premium will be.

Do Paw Protect and ManyPets have any exclusions?

Pet insurance generally does not cover pre-existing conditions, although both Paw Protect and ManyPets have tried to address this issue.

Paw Protect will cover some curable, pre-existing conditions if the pet goes 12 months without any symptoms or treatment. With ManyPets it’s 18 months.

ManyPets insurance doesn’t cover hip dysplasia in pets older than six years of age at enrollment. So, if you rescue a senior pet or enroll your dog later in life, they won’t be covered for this condition. 

Paw Protect covers this condition on all accident and illness policies, no matter the age of the pet at enrolment, as long as it isn’t pre-existing.

Neither policy covers regular preventative care, but this can be added via both insurers’ routine wellness plans. Unlike Paw Protect, ManyPets does not insure behavioral therapy, or internal/external parasites.

How expensive are Paw Protect and ManyPets?

Both these new insurers offer a good combination of coverage and cost, giving you the option to select different levels of cover and co-insurance, to manage the monthly costs to suit you.

Neither is the cheapest option available, but both are strong performers when it comes to value for money.

Paw Protect
ManyPets logo
$50.94per month
$27.49per month

Medium Mixed Breed Puppy

3 months old
in Los Angeles, 91010
Unlimited annual coverage

$50.75per month
$29.44per month

Golden Retriever

3 years old
in Philadelphia, 19019
Unlimited annual coverage

$37.76per month
$31.55per month

Chihuahua

6 years old
in Sacramento, 94211
Unlimited annual coverage

$53.18per month
$16.80per month

Domestic Shorthair Kitten

3 months old
in New York City, 10008
Unlimited annual coverage

$39.12per month
$15.54per month

Tabby Cat

3 years old
in Dallas, 75061
Unlimited annual coverage

All quotes are based on a $500 deductible and 80% reimbursement. Prices correct as of May 2023

Paw Protect vs ManyPets: How quickly are claims paid?

Paw Protect can send the money for its share of a covered claim straight to your bank account while you’re at the vet.

ManyPets says on its website that it aims to process claims in under 48 hours, although if more information is required from your vet this can take a bit longer. Once the claim is approved, it says reimbursement happens within 24 hours, although this is not a guarantee.

Do Paw Protect and ManyPets offer any discounts?

Paw Protect offers a 5% discount for active or former members of the military (though not in New York or Tennessee), plus a generous 10% discount if you are insuring two or more pets. 

ManyPets doesn’t offer any discounts. 

Paw Protect vs ManyPets: Standard waiting periods

For Paw Protect there is a two-week illness waiting period which begins on your policies’ effective date. Orthopedic conditions have additional waiting or exclusion periods that vary by state.

ManyPets’ waiting period is 15 days for both accidents and injuries, although these waiting periods go down to just 24 hours if you’re switching to ManyPets from another insurer. 

Do Paw Protect and ManyPets’ plans include behavioral treatments?

Paw Protect covers behavioral treatments, but ManyPets doesn’t. 

Paw Protect vs ManyPets: Is there a maximum age for enrollment?

Paw Protect is limited to 5 years of age for new enrollments to accident and illness plans, although dogs over that age can have an accident-only plan. ManyPets has a maximum enrollment age of 14. 

Paw Protect vs ManyPets: Customer reviews

ManyPets gets an impressive 4.7 score on Trustpilot from its customers. It certainly sounds like signing up to its insurance is quick and easy, and its call center staff sound lovely, even sending condolence cards to customers who have lost a cherished pet.

Most customers seem happy with their service and the ease of the claims process. 

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