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. 

For waiting periods, Paw Protect’s is 14 days for illness and two days for accidents, while ManyPets requires 15 days for illness or accidents. But ManyPets reduces this to 24 hours if you’re switching from another insurer.

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 start2 days accident,
14 days illness
15 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.