Updated September 28, 2026 · AssureCue Editorial Team
10Life vs ManyPets (US)
10Life
Higher score in this comparison
ManyPets (US)
What sets them apart
| Compare | 10LifeReviewSee alternativesSee alternatives | ManyPets (US)ReviewSee alternativesSee alternatives |
|---|---|---|
| Insurance types | Travel, Home, Health, Critical illness, Life | Pet |
| Provider type | Comparison site | Mga |
| Claims channels | Independent claims team, Phone, Email, Whatsapp | Member portal, Email, Fax |
| Premium from | Not confirmed | $28 |
| Monthly payments | Not confirmed | Yes |
| Excess from | Not confirmed | $100 to $1,000 |
| Cover limit | Not confirmed | $10,000 - $40,000 annual limit |
| Age range | Not confirmed | 7 weeks and older, no upper age limit |
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Key differences
- Insurance types: only 10Life offers Travel, Home, Health.
- Insurance types: only ManyPets (US) offers Pet.
- Claims channels: only 10Life offers Independent claims team, Phone, Whatsapp.
- Claims channels: only ManyPets (US) offers Member portal, Fax.
Our verdict on each
10Life
10Life is a comparison site, not an insurer, so it suits expats in Hong Kong who want to see travel, health, critical illness, life and home quotes side by side. It has traded since 2017 under an Insurance Authority licence, and claims go through an independent team.
ManyPets (US)
ManyPets suits pet owners who pay monthly, with phone and chat help and cover from 7 weeks and older, no upper age limit. Annual cover runs to $10,000 - $40,000 annual limit and claims run on member portal, email and fax, simple to hold, with the cap worth weighing.
Score breakdown
| Area | 10Life | ManyPets (US) |
|---|---|---|
| Cost | Not confirmed | 8.8Premiums start at $28 on the illness and injury plan, against a €8.37 median across listed brands. |
| Offer | 9.6Higher | 9.0 |
| Trust | 8.2 | 8.4Higher |
Every fact side by side
| Fact | 10Life | ManyPets (US) |
|---|---|---|
| Audience | Expats | Not confirmed |
| Pricing model | Not confirmed | Monthly |
| Legal entity | 10Life Financial Limited | Odie Pet Insurance Marketing, Inc. |
| Headquarters | Hong Kong | United States |
| Founded | 2017 | Not confirmed |
| Support channels | Email, Chat, Phone, Help centre | Email, Phone, Chat, Help centre |
Where each stands against the rest
| Fact | 10Life | ManyPets (US) | Median |
|---|---|---|---|
| Premium from | Not confirmed | $28above the median | $16.09 |
| Excess from | Not confirmed | $100 to $1,000at the median | $100 |
Median across 61 listed insurance providers.
Pros and cons
10Life
Pros
- One place to see quotes across travel, home and health, which runs from travel and home to health, critical illness and life.
- Claims are handled by an independent claims team, reachable on independent claims team, phone and email.
- Help runs on email, chat and phone, so a question can go by phone, chat, email or the help centre.
Cons
- As a comparison site rather than an insurer, the policy sits with the provider whose quote you take, which adds a step between you and the cover.
- Cover stops at the lines in travel, home and health, which leaves out auto, pet, motorcycle and landlord policies.
- Claims contact is narrower than general support, since independent claims team, phone and email does not include everything on email, chat and phone.
ManyPets (US)
Pros
- Monthly payments are available, so the premium spreads across the year rather than being paid up front.
- Support runs on email, phone and chat, so help is a call or a chat away.
- Pets can be insured from 7 weeks and older, no upper age limit.
Cons
- The entry price is $28 on the illness and injury plan, well above the €8.37 median across listed brands.
- Claims run on member portal, email and fax only, so a claim in progress cannot go down the phone line.
- Annual cover runs to $10,000 - $40,000 annual limit, so a costly treatment can still leave a share of the bill with you.
Who each suits
10Life
Who it suits
- People who have just moved to Hong Kong, since the stated audience is expats.
- Households shopping across more than one line, with travel, home, health, critical illness and life all listed under travel, home and health.
- Buyers who prefer to see providers side by side before deciding, which is what a comparison site is set up to do.
Who should look elsewhere
- Motor, landlord and home emergency cover seekers: Hiscox UK writes home, renters and landlord, none of which appear in travel, home and health.
- Pet and motorcycle cover seekers: Good Sam Insurance Agency lists auto, home and renters, a wider range than travel, home and health.
- Gadget and car cover seekers: EuroAsia Insurance sells auto, home and travel, while auto and gadget sit outside travel, home and health.
ManyPets (US)
Who it suits
- Owners who would rather pay a premium each month than fund a year up front.
- Pet parents with a young animal, since cover starts at 7 weeks and older, no upper age limit.
- People who want phone and chat help, since support runs on email, phone and chat.
Who should look elsewhere
- Price-led buyers: ComparaJa and bonus.ch list a premium from €0 and CHF 0, well under the $28 ManyPets starts at.
- Households wanting pet cover alongside other policies, which Good Sam Insurance Agency lists under auto, home and renters.
Current offers
10Life
Current offer
Discount code
Annual travel insurance discount promoted on homepage: 45% off
Homepage hero banner link slug homebanner_annual_travel_45off links to /products/travel
Source, checked September 26, 2026
Discount code
Single-trip travel insurance discount promoted on homepage: 50% off
Homepage hero banner link slug homebanner_single_travel_50off links to /products/travel
Source, checked September 26, 2026
ManyPets (US)
Current offer
First period offer
30-day money back guarantee: Full refund if no claims submitted in first 30 days
30-day free look is not available in all states; NY Trisura policies excluded; no claims submitted during the period
Source, checked September 26, 2026
Country by country
| Country | 10Life | ManyPets (US) |
|---|---|---|
| Hong Kong | Yes | No |
| United States | No | Yes |
Questions about each
10Life
Is 10Life an insurer or a broker?+
It is a comparison site, and the legal entity behind it is 10Life Financial Limited. The policies come from partner providers rather than from 10Life itself, so the contract you sign is with whichever provider's quote you accept.
Who is 10Life built for?+
The stated audience is expats, people who have moved to Hong Kong and need cover arranged in their new market. Being based in Hong Kong keeps the quotes, the wording and the support in the same place the customer lives.
ManyPets (US)
What does ManyPets cost to start?+
The entry premium is $28 on the illness and injury plan, and the annual cover limit is $10,000 - $40,000 annual limit. The median premium across listed brands is €8.37, so this sits towards the dearer end and is worth checking against cheaper quotes before you commit.
Who is behind the policy?+
ManyPets is an MGA, Odie Pet Insurance Marketing, Inc., based in the US. Providers of that kind are rare here, at 2.3% of brands, against 42.4% for insurers themselves, so the plan is arranged here rather than underwritten.
Other options to compare
Related by the facts
10Life
ManyPets (US)