Bought By Many Pet Insurance Review


In this Bought By Many Pet Insurance review, we take a closer look at what Bought By Many have to offer to pet owners, how they differ to other pet insurance providers, and also how their different pet insurance policies work, to help you decide if one of Bought By Many’s Pet Insurance policies might be the right option for you and your pet.

As a pet owner myself, I know how much a pet can mean to an individual or family and that we view the health and well-being of our pet as being as important as our own. I also know how much it can can cost when things do go wrong and that because of this, it can be important to ensure that you have the right cover in place.

With this in mind, let’s take a closer look at the Pet Insurance policies on offer from Bought By Many, starting with a quick review of who Bought By Many* are and why they came about.

Who Are Bought By Many?

Bought By Many started life in 2012 and it is a free to use service. The basic concept behind Bought By Many was to create online groups for people who have similar insurance needs. They then negotiate discounts or enhanced cover with other insurers or create their own policies by harnessing the power of group buying.

Do You Need to be a Member?

Yes, at the time of writing Bought By Many is a free to use, but members’ only service. To take out one of their pet insurance policies, you will need to join a group on the Bought By Many website*. You can access any of its pet insurance policies through its ‘Pet Insurance’ group, which currently has over 300,000 members.

Why Bought By Many Offer Their Own Pet Insurance Policies

As time went by and more people started signing up to Bought By Many’s pet insurance groups, the company realised that a lot of the problems pet owners were having when it came to pet insurance were coming up time and time again. Because of this, Bought By Many decided to create their own pet insurance policies to address the most common problems for pet owners. Some of these common issues included things like getting reasonably priced insurance for a pet with a ‘Pre-Existing’ condition, getting a pet insurance policy where the premium was ‘Fixed For Life’ regardless of whether you make a claim or not, and they’ve created a ‘MoneyBack’ policy to give back some money to the customer if they don’t make a claim during the policy period. Not only this, but they’ve also created 3 products with different vet fee limits attached known as ‘value’, ‘regular’ and ‘complete’ policies.  

In this Bought By Many review, we will now look at each of these policies in more detail to see exactly what they offer and whether one of them might be the right policy for you and your pet.

Bought By Many Pre-Existing Conditions Pet Cover

Bought By Many’s ‘Pre-Existing’* policy provides cover for pets with pre-existing conditions, as long as they have been free of them for at least 3 months. In year one of your policy, pre-existing conditions will only be covered for vet fees of up to £500. If you don’t make a claim in the first year, then this will increase to £1000 and if you still don’t make a claim then it will jump to £7000 from the end of year 2 onwards. If you do have to claim for a pre-existing condition then you will still be entitled to cover, but the vet fee limit will stay at £500 or will drop back down to that level if you claim in the first two years. You will also get £7000 of vet fee cover for any new condition. If your pet has a pre-existing condition but it has been free of it for over 2 years, then it should also be covered to the full £7000 limit. Pre-existing conditions which have been experienced in the last 3 months are not covered by the policy.

Bought By Many Fixed For Life Pet Cover

Bought By Many’s ‘Fixed For Life’* cover has been designed for those who are looking for a fixed price pet insurance policy that doesn’t increase in price ever, whether you make a claim or not. You can take out this policy if your pet is below the age of two and as we’ve mentioned, the premiums won’t increase no matter how long your pet lives for or how many times you make a claim. While this might mean that you pay a little more than you would with other types of cover, at least you’ll have the peace of mind of knowing exactly how much money you are going to be paying out each month on pet insurance. The caveat to this is that there are limits on the total value of vet fee claims that you can make per condition, or in total, during your pet’s lifetime before the policy will lapse. At the time of writing you will be able to claim for up to £7000 of vet fees per condition and up to £20,000 of vet fees during your pet’s lifetime.

Bought By Many MoneyBack Cover

Now we come to Bought By Many’s ‘MoneyBack’* cover. This cover does exactly what it says in that, if you don’t make a claim on your policy during the 12 month policy period, Bought By Many will automatically refund 20% of your annual premium to you. With the MoneyBack pet cover you still get the standard £7000 of vet fee cover and there’s also £2m of liability cover included too along with other benefits.

Bought By Many Value, Regular and Complete Cover

Bought By Many also offer 3 other pet insurance products known as Value, Regular and Complete cover. Their Value Cover* is their most basic offering and it covers you for £3000 of pet fees for each condition but this is time limited to 12 months from first diagnosis. With Bought By Many’s Regular Cover* the amount of vet fee cover rises to £7000 and with the Value and Regular policies dental cover is only available for problems arising from an accident. The Bought By Many Complete Cover* is described on their website as being the most comprehensive cover available on the market. It comes with £15,000 of annual vet fee cover and full dental cover is included as standard. You can see a full breakdown of exactly what’s covered and also what the limits are on their website or on the image below.

Do They Offer a Multi-Pet Discount?

Yes, Bought By Many offer a 15% Multi-Pet discount* for pets on the same policy.

Bought By Many Reviews

If you’re anything like me, then you will likely want to know what kind of experience others have had with Bought By Many by reading some reviews. On this point it’s encouraging to see that the company currently have a rating of 4.8 out of 5 on the popular review site feefo and this is based on 4,749 customer reviews. Some recent reviews say things like:

Janet in Elstree – ‘Very easy to navigate website. Max is hoping that he doesn’t have to use you but if he does then he knows it will be covered’

Caroline in Sleaford – ‘Very quick and easy to obtain quote and cover with good multi-pet discount’


Nick – ‘Very easy process. Very good customer care. Very good value.’

Alison – “Excellent service, easy online claim form to fill out, kept well informed by email/text at each stage, claim was dealt with within a week and full payment going into bank within few days.”

Karen – One of my cats became very ill suddenly and passed away last month. Dealing with this company throughout such a difficult time was easy. They were so understanding and sympathetic and made the whole process as painless and easy as possible for me.”


As you can likely see, Bought By Many have used their extensive knowledge of the pet insurance industry to come up with some useful policy offerings for their members. The company has very good reviews from it’s current customers and it is continuing to grow at pace. It’s free to become a member* and then you will be able to join the pet insurance group and sign up for one of their policies.

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