ManyPets vs Petplan pet insurance

By the PetCoverPro editorial team Vet-reviewed by Dr Avron Taitz, BVSc

Last updated 9 July 2026

Modern app-first cover versus heritage premium specialist. ManyPets and Petplan represent two genuinely different ways to buy UK pet insurance in 2026: Silicon-Valley-lineage simplicity at one end, decades-of-Allianz-underwriting depth at the other. Both are excellent in their lane.

Quick verdict

For most healthy young to middle-aged pets, ManyPets wins on price and digital experience. For senior pets, pedigree breeds with hereditary risk, or owners who put vet-practice familiarity above all else, Petplan earns its premium. Crucially, do not switch from one to the other mid-policy: pre-existing conditions become exclusions, and lifetime continuity matters more than the year-one price gap.

Side-by-side

ManyPets vs Petplan pet insurance, compared
Brand	ManyPets	Petplan
PetCoverPro score	4.7 / 5	4.4 / 5
Cover style	Lifetime	Lifetime
Plan tiers	Essential Care, Standard Care, Complete Care, Standard Care Pre-existing	Essential, Classic, Ultimate
Vet-fee limit	Up to £20,000 per year	Up to £12,000 per year on Ultimate
Excess from	From £69	From £99
Dental cover	Yes	Yes
Behavioural cover	Yes	Yes
Mobile app	Yes	Yes
Direct vet payment	Yes	Yes
Multi-pet discount	Up to 15% per additional pet	10% off each additional pet
Max new-policy age	No upper age limit at sign-up	No upper age limit at sign-up
Underwriter	Wakam SA and SCOR UK Company Limited	Allianz Insurance plc
Get a quote	Visit ManyPets →	Visit Petplan →

Limits and prices change. Confirm current figures on each brand’s site before buying. We last refreshed this table at the date stamped on the page.

Winner by criterion

Price for healthy young pets

ManyPets

ManyPets is consistently more competitive than Petplan on entry-level lifetime quotes.

Cover breadth

Petplan

Petplan’s Ultimate tier sits among the broadest mainstream UK products.

No upper age limit

Tie

Both now write new lifetime policies at any age. Note ManyPets applies a 20% co-payment to claims once your pet turns 7.

App and digital experience

ManyPets

ManyPets is app-first by design. Petplan’s app is functional but secondary.

Vet-practice familiarity

Petplan

Petplan has the deepest direct-pay relationships across UK practices.

Renewals trajectory

Tie

Both lifetime insurers price age in at renewal. Petplan tends to climb steeper on senior pets; ManyPets is mid-pack.

Frequently asked questions

Why is Petplan more expensive than ManyPets?

Petplan prices in broader cover terms (especially on Ultimate), the operational depth of being the longest-running UK pet insurer, and the no-age-limit underwriting. The premium is real but earns its place for the right pet.

Should I switch from Petplan to ManyPets to save money?

Almost never — if you have an existing Petplan policy with conditions diagnosed under it, switching to ManyPets makes those conditions exclusions on the new policy. Lifetime continuity matters more than the year-one price difference.

Which is better for an older dog?

Both now write new lifetime policies at any age, so either can cover an older dog from scratch. The tie-breaker is cost at claim time: ManyPets applies a 20% co-payment to every claim once your pet turns 7, whereas Petplan does not, so for many senior dogs Petplan works out simpler.

Do both pay the vet directly?

Yes — both at participating UK practices. Petplan has the broader direct-pay network across specialist referral hospitals.