Bought By Many Pet Insurance
Bought By Many revolutionizes pet insurance with their innovative digital-first approach and unique policy features. Their coverage includes pre-existing conditions options and comprehensive policies with up to £15,000 annual veterinary fee coverage. Distinguished by their MoneyBack option and fixed-for-life premiums, they offer cutting-edge features like video vet consultations and digital claims processing.
Coverage Benefits
Vet Fee Coverage
Maximum Vet Fees
Covered each year up to no limit per condition with £7,000 yearly limit
Claim Limit
No limit
Vet Fees Excess
You'll pay £160 per year
Additional Benefits
- Death by Accident Cover: £6,000
- Third Party Liability: £2,000,000
- Boarding Fees: £2,000
- Lost or Stolen Cover: £6,000
Support Services
- UK-Based Call Centers
- Vet Advice Helpline
- Bereavement Counselling
Premium & Cost Breakdown
Annual Premiums
Monthly Payment Option
Average monthly payment: £99.95
Number of instalments: 12
Initial deposit required: 0
Premium Distribution
Distribution based on policy data analysis
What Affects Your Premium
- Pet's age, breed, and species
- Coverage level selected (Basic, Standard, or Premium)
- Your location and local vet costs
- Previous claims history
Coverage Highlights
Lifetime CoverMost Popular
Vet Fees
Up to Covered each year up to no limit per condition with £7,000 yearly limit
Excess
You'll pay £160 per year
Key Benefits
- Dental coverage included
- Prescription medication covered
- Complementary treatments
Policy Coverage Overview
Premium Range
Minimum
£50.88
Maximum
£4238.63
Average
£398.93
Cover Types
- Lifetime
Coverage Distribution
Dogs
68.0%
Cats
32.0%
Comprehensive Policy Details
| Coverage Feature | Benefit | Details |
|---|---|---|
| Vet Fees | Covered each year up to no limit per condition with £7,000 yearly limit | Maximum amount claimable for veterinary treatment |
| Death by Accident | £6,000 | Payment if your pet dies due to an accident |
| Death by Illness | £6,000 | Payment if your pet dies due to illness |
| Third Party Liability | £2,000,000 | Coverage for damage or injury caused by your pet to others |
| Lost or Stolen | £6,000 | Coverage if your pet is lost or stolen |
| Advertising & Reward | £6,000 | Costs for advertising and reward if your pet is lost |
| Boarding Fees | £2,000 | Kennel/cattery fees if you're hospitalized |
| Travel Coverage | Included | Travel-related coverage including quarantine costs |
Fees & Charges
Policy Fees
Excess Information
Standard Excess
£160 - This is the amount you pay towards each new condition claimed for.
Co-Payment
N/A - This is an additional percentage that you pay towards the remaining claim amount after the fixed excess.
Example Claim Calculation
Professional Veterinary Analysis
Veterinary Expert Analysis: Bought By Many Pet Insurance
Bought By Many (now ManyPets) disrupted the UK pet insurance market by building policies based on real customer feedback. Their flexible lifetime cover, no-excess options, and fast digital claims have made them popular with modern pet owners.
Professional Veterinary Review
Bought By Many is one of the best choices for pet owners wanting maximum protection and minimal friction. Excellent tech, fast claims, and customer-centric design.
Market Position
Disruptor brand appealing to tech-savvy, detail-conscious pet owners.
Pricing Strategy
Premium-tier pricing, especially for no-excess and unlimited cover plans.
Who Should Consider Bought By Many? Detailed Analysis
Millennial and Gen Z pet owners seeking tech-enabled, customizable insurance with broad cover and no-fuss service.
Ideal Pet Owner Profiles
Important Considerations
Key Strengths & Advantages
Highly customizable coverage
Excellent digital experience and customer reviews
Lifetime policies with very high or unlimited vet fee limits
Important Limitations
Premium pricing for high-tier plans
No direct vet payments in most cases
Newer company with evolving policy terms
What Makes Bought By Many Stand Out
No-excess policies available
Unlimited lifetime cover on premium plans
Fast app-based claims with 48-hour turnaround
Claims Process Analysis
Claims are submitted through their app or website, with most resolved within 48 hours. No direct vet payment but refunds are quick.
Claims Process Highlights:
- • Online claim submission available 24/7
- • Veterinary nurse review team
- • Direct payment to vets where available
- • Average processing time detailed in policy
Customer Service Experience
Customer service is rated highly, with 24/7 online chat and app support. Many customers praise the modern digital-first approach.
Service Features:
- • UK-based customer service team
- • Online policy management portal
- • Multiple contact channels available
- • Dedicated support for complex cases
Coverage Analysis & Policy Details
Offers comprehensive cover including dental illness, behavioral therapy, travel, loss/theft, and euthanasia. Lifetime policies refresh annually with no excess options.
What's Covered
- Veterinary treatment for accidents and illnesses
- Hereditary and congenital conditions (after waiting periods)
- Third party liability coverage
- Death by accident or illness benefits
What's Not Covered
- Pre-existing conditions
- Routine preventive care (vaccinations, worming)
- Pregnancy and breeding-related costs
- Cosmetic or elective procedures
UK Pet Insurance Market Context
Understanding how Bought By Many fits within the broader UK pet insurance landscape helps contextualize their offerings. The following statistics provide insight into current market conditions and help you evaluate whether Bought By Many's approach aligns with your pet's needs.
Average Vet Bill Cost (Cats)
£1,200
Source: British Veterinary Association 2024
Average Vet Bill Cost (Dogs)
£1,500
Source: British Veterinary Association 2024
Most Common Cat Insurance Claim
Digestive Issues £450
Source: ABI Claims Statistics 2024
Most Common Dog Insurance Claim
Lameness/Limping £750
Source: ABI Claims Statistics 2024
Percentage of Pets with Chronic Conditions
40%
Source: Royal College of Veterinary Surgeons 2024
Pet Insurance Penetration Rate UK
25%
Source: UK Pet Population Survey 2024
Average Annual Pet Insurance Premium (Cats)
£278
Source: Association of British Insurers 2024
Average Annual Pet Insurance Premium (Dogs)
£436
Source: Association of British Insurers 2024
Veterinary Expert Analysis by Dr. Emma Richardson
Dr. Emma Richardson is a qualified veterinarian and pet insurance specialist with over 8 years of experience in both veterinary practice and insurance claims assessment. She holds a degree in Veterinary Medicine from the Royal Veterinary College and has worked with leading UK pet insurers to improve coverage and claims processes.
Professional Qualifications:
Areas of Expertise:
Analysis Methodology: This comprehensive review is based on policy documentation analysis, claims process evaluation, customer feedback assessment, financial strength review, and comparative market analysis. We maintain strict editorial independence and regularly update our reviews to reflect policy changes and market developments.
Last updated: 9/25/2025 | Veterinary review: Current | Market analysis: Updated monthly
Detailed Questions About Bought By Many
How does Bought By Many handle pre-existing conditions?
Like all UK pet insurers, Bought By Many excludes pre-existing conditions from coverage. They define pre-existing conditions as any injury, illness, or symptom that occurs or shows clinical signs before your policy start date or during waiting periods. This includes conditions your vet has noted during examinations, even if no formal diagnosis was made.
What should I expect from Bought By Many's claims process?
Claims are submitted through their app or website, with most resolved within 48 hours. No direct vet payment but refunds are quick. Most claims are processed within their advertised timeframe, but complex cases involving specialist treatments or multiple conditions may take longer. Always submit claims promptly with complete veterinary records to avoid delays.
Is Bought By Many suitable for older pets?
Bought By Many's suitability for older pets depends on their specific age limits and premium structure. Many insurers have upper age limits for new policies (typically 7-9 years for dogs, 8-10 for cats) but continue covering pets insured while young. Premiums typically increase with age, and some conditions may become excluded as your pet ages.
How does Bought By Many compare for specific breeds?
Bought By Many may have breed-specific pricing and exclusions. Breeds prone to hereditary conditions (like hip dysplasia in large dogs or heart conditions in certain breeds) may face higher premiums or specific waiting periods. Always check breed-specific terms in your policy documents, as coverage can vary significantly between breeds.
Professional Disclaimer & Transparency
This analysis represents independent veterinary and insurance expertise based on comprehensive policy review, market research, and professional experience. We do not receive compensation from Bought By Many for this review, and our analysis aims to provide balanced, factual information to help pet owners make informed decisions.
Data Sources: Policy documents, regulatory filings, veterinary cost surveys, customer satisfaction research, and comparative market analysis. All information is verified against official sources and updated regularly.
Important: Pet insurance needs vary significantly between individual pets and circumstances. This analysis provides general guidance, but you should obtain personalized quotes and review policy terms carefully before making decisions. Coverage terms and pricing may change, and actual policies will depend on your pet's specific details and health history.
Frequently Asked Questions
How does fixed-for-life pricing work?
Premium stays the same each year unless you claim, providing long-term cost certainty.
What pre-existing conditions are covered?
Select policies cover historical conditions after 24 months symptom-free, with some immediate coverage options.
How does MoneyBack work?
Receive 20% of your premium back each year you don't claim, rewarding careful pet ownership.
What digital features are included?
Access 24/7 video vet consultations and digital claims processing through our award-winning app.
Next Steps with Bought By Many
How to Get Coverage
- Visit Bought By Many's website directly
- Takes about 5-10 minutes to complete
- Have your pet's details ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your pet's age, breed, and health history
- Your location and coverage needs
- Current market conditions and provider pricing
Please contact Bought By Many directly for the most accurate and up-to-date quotes for your specific situation.