Petgevity vs ManyPets pet insurance
Last updated
Our best-overall pick against the market's most flexible senior-pet specialist. Both write new policies at any age — rare in the UK — and both pay vets directly. The real differences are in pre-existing condition cover, how much control you get over the premium, and the claims experience.
Quick verdict
ManyPets for most owners: higher vet-fee headroom, the better claims app, the bigger multi-pet discount, and more renewals history. Petgevity for the pets the rest of the market turns away — its Lifetime Plus tier can cover declared and accepted pre-existing conditions and carries no compulsory bill share at any age. If your pet is young and healthy, quote both and let price decide; if your pet is older or has history, Petgevity may be the only realistic quote of the two.
Side-by-side
| Brand | Petgevity | ManyPets |
|---|---|---|
| PetCoverPro score | 4.6 / 5 | 4.7 / 5 |
| Cover style | Lifetime | Lifetime |
| Plan tiers | Lifetime, Lifetime Plus | Essential Care, Standard Care, Complete Care, Standard Care Pre-existing |
| Vet-fee limit | Up to £15,000 per year | Up to £20,000 per year |
| Excess from | From £0 (you choose £0 to £500) | From £69 |
| Dental cover | Partial | Yes |
| Behavioural cover | Yes | Yes |
| Mobile app | No | Yes |
| Direct vet payment | Yes | Yes |
| Multi-pet discount | £1 off per pet, per month (up to 8 pets on one policy) | Up to 15% per additional pet |
| Max new-policy age | No upper age limit at sign-up | No upper age limit at sign-up |
| Underwriter | Great Lakes Insurance UK Limited (Munich Re group) | Wakam SA and SCOR UK Company Limited |
| Get a quote | Visit Petgevity → | Visit ManyPets → |
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
Best for most owners
ManyPetsHigher vet-fee headroom (up to £20,000), a polished claims app, and the longest app-first renewals record in the UK.
Older pets
TieNeither applies an upper age limit at sign-up — rare in this market. Petgevity’s Lifetime Plus avoids any compulsory bill share at senior ages; ManyPets’ pricing stays competitive for seniors.
Pre-existing conditions
PetgevityLifetime Plus can cover conditions you declare and Petgevity accepts. ManyPets only ignores conditions symptom-free for the past two years on its pre-existing product.
Premium control
PetgevityExcess is fully tailorable from £0 to £500 plus an optional bill share — more levers to tune the price than ManyPets offers.
Multi-pet discount
ManyPetsUp to 15% off each additional pet versus Petgevity’s £1 per pet per month.
Claims experience
ManyPetsA genuinely modern app versus Petgevity’s functional web portal. Both pay vets directly.