Paw Protect vs ManyPets

Paw Protect vs ManyPets: Verdict

Paw Protect offers customers an optional $2,000 interest-free line of credit to pay covered vet bills* through a virtual Paytient Visa card. It means you don’t have to find the money up-front.

With ManyPets, you pay the bill and then claim the money back, minus your deductible and copay. 

Here’s how they compare:

Pet insurance without paying vet bills* up-front
Annual coverage options$5000, $10,000, UnlimitedUnlimited
Deductible options$100, $250, $500$500
Reimbursement options70%, 80%, 90%70%, 80%
Coverage start14 days15 days
Maximum age at sign-up14 years accident and illness,
15+ accident only
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

Most pet insurance relies on you having access to hundreds or thousands of dollars to pay the vet bill up front, but Paw Protect is different. Its optional $2,000, interest-free line of credit can be used at any vet in the US to pay covered vet bills*, via a virtual Paytient Visa card on your phone.

  • To claim back the expenditure, simply submit your pet’s covered vet bill to Paw Protect via its app, online, by email or through the mail
  • If approved, you’ll receive your insurance payout and can repay your Paytient balance, minus any deductible or copay
  • You can schedule interest-free payments to pay back those out-of-pocket expenses over up to 12 months

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