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CBR Pet Insurance


Bought By Many welcomed pet insurance to their offerings in 2017. The six policies that they currently sell were designed using comments from over 40,000 pet owners. These comments helped them identify common issues with existing policies. As a result of this, Bought By Many’s policies are completely innovative and attempt to fix the things that pet owners dislike about other pet insurance policies. One of these issues being the inability to insure pets with recent pre-existing conditions. Some insurers will cover pre-existing conditions provided your pet recovered from them at least two years ago but Bought By Many believe that this isn’t good enough. To overcome this, they were the first UK pet insurer to offer a ‘Pre-Existing’ policy that includes:

  • Cover for past medical issues – they’ll provide cover for your pet as long as it has been medication, advice and treatment free for three months before the policy start date.
  • Vet fees – £500 of vet fee cover for pre-existing conditions, which will increase to £1,000 after the first year if you don’t claim for the condition. Also, new conditions are covered up to £7,000 each year.
  • Comprehensive cover – liability insurance included as standard and farewell cover if your pet has to be put to sleep.

If your pet has a pre-existing condition but hasn’t needed medication, professional advice or treatment in the past two years, they can be covered on any of Bought By Many’s pet insurance policies.


Another key detail that sets Bought By Many apart from other insurance providers is the simplicity of their policies. They understand that insurance can be confusing, especially if you’re not familiar with common terms. Not only is insurance jargon challenging to understand, but it can also be confusing knowing exactly what you are and aren’t covered for, which can cause problems further down the line if you ever need to make a claim. Bought By Many have made it as easy as possible for customers to understand their policy. And they were the first company to be awarded Fairer Finance’s Clear & Simple Mark for their easy-to-understand policy documents.

Bought By Many recognise that policies like time-limited pet insurance can be particularly confusing as they don’t offer cover for conditions year after year. To avoid confusion, all of Bought By Many’s pet insurance policies offer lifetime cover and vet fee limits will simply reset to the full amount each year you renew your policy with them.

Bought By Many have also simplified the claims process and made it easier than ever before. With technology at the heart of what they offer, all claims can be made online and there are no confusing forms involved. In fact, they were the first UK pet insurer to offer online, form-free claims. Bought By Many will even contact the vet on your behalf. But if you’d prefer, you’re still welcome to call them and get assistance with your claim from their dedicated customer services team.

Their latest innovation was to remove the industry standard two week waiting period for pet owners who have switched to them. Normally, if you switch pet insurance providers, there’s a 14 day exclusion period between your old policy ending and new policy starting within which you’re unable to claim. Bought By Many didn’t think this was necessary, so they’ve removed it to make insurance better for their customers.

Bought By Many claims to be open, transparent and dedicated to their customers. Their main goal is to offer better insurance by improving prices, expanding what people can get cover for and delivering exceptional customer service. Many people know the pain of calling up an insurance company, getting asked countless questions and then being put on hold, but Bought By Many customers can’t relate. In 2018, their customer services team answered all calls in an impressive 60 seconds or less.

It’s clear to see that Bought By Many’s customers are at the heart of what they do and they are committed to delivering excellent customer service, from simplifying policies and ditching the 14 day waiting period, to being the first UK pet insurer to offer online only claims. Here’s what some of their customers had to say about them:


How does Bought By Many compare to other pet insurance providers?

We compare pet insurance providers, taking into consideration reviews from customers who have had first-hand experience with them. We rank providers exclusively on customer experience and product quality and Bought By Many came out on top with a CBR score of 9.86.

1st

Review Score

9.71

based on 2564 reviews

Cheapest dog quote

£25.75

per month

Cheapest cat quote

£14.56

per month

Maximum vet fees

£6k

per year

Cover from

8

weeks
Pet Protect is the only insurer that includes a PitPat Dog Activity Monitor worth £39 with their dog insurance to help keep your dog healthy and happy.

2nd

Review Score

9.52

based on 426 reviews

Cheapest dog quote

£35.52

per month

Cheapest cat quote

£17.42

per month

Maximum vet fees

£12k

per year

Cover from

6

weeks
4paws allows you to pay monthly at no extra cost. They also have a 24/7 emergency claims line so you can make a claim any time, anywhere.

3rd

Review Score

9.46

based on 3323 reviews

Cheapest dog quote

£57.40

per month

Cheapest cat quote

£26.93

per month

Maximum vet fees

£12.5K

per year

Cover from

8

weeks
Claims can be made online and can be settled directly with your vet. Agria pays 97% of claims.