Our Gold plan is our maximum benefit level cover which helps to protect your pet from any accidents and eligible illnesses that they may suffer. Maximum benefit pet insurance provides protection for a condition up to the Vet Fee limit. Once you have exceeded the limit you will not be able to make any further claims for that condition.
What is maximum benefit pet insurance?
Maximum benefit pet insurance covers each new medical condition up to the cover limit, for as long as the plan remains in force. Allowing you to claim more than once for an eligible illness, year after year.
However, it won’t cover any pre-existing conditions your pet may have. If the cover limit is reached, then the condition will be classed as pre-existing and will be excluded from future claims.
The average cost of treatment for a known ongoing conditions such as cruciate ligament damage is £2,500. For ongoing non-chronic conditions where the treatment is likely to go beyond a year a maximum benefit policy might be an option over self-insurance.
Our cover levels
In the event of a claim, our plan covers up to £4,000 of your pet’s vet treatment.
Vet fee cover limit
Up to £4,000per injury / illness
- Up to the maximum benefit per injury / illness
Inner limits
Up to £4,000depending upon treatment
- In some cases there are restrictions on certain types of treatment types which are lower than the overall cover limit. These are called inner limits.
- Cruciate Ligament: £1,000
- MRI / CT Scan: £1,000
- Alternative treatment: £400
- Dental treatment: £4,000
- Diet food: £100
- Behavioural treatment: £nil
Excess
Up to £275per injury/illness per year (depending on pet age)
- Unlike other pet insurers, we don't impose a coinsurance payment when claiming. Check your policy wording to understand excess levels.
| Section | Cover | Detail |
|---|---|---|
| A | Veterinary Fees* up to | £4,000 |
| Inner Limits up to (Included within total Veterinary Fees amount above) | ||
| Cruciate Ligament | £1,000 | |
| MRI / CT Scan | £1,000 | |
| Alternative treatment | £400 | |
| Dental (accident/injury) | £4,000 | |
| Diet Food | £100 | |
| Behavioural treatment | £0 | |
| Covered in UK / EU PETS Scheme Area | Yes | |
| Excess per injury or illness, per year | Dogs under 8: £100 or £125 Dogs over 8: £250 or £275 Cats under 10: £100 or £125 Cats over 10: £250 or £275 |
|
| B | Death (Applies only to dogs under 8 years old and cats under 10 years old) | |
| Accident up to | £1,000 | |
| Illness up to | £1,000 | |
| Euthanasia | £0 | |
| C | Third Party Liability (Dogs Only) | £1,500,000 |
| Excess | £250 | |
| D | Loss & recovery (Applies only to dogs under 8 years old and cats under 10 years old) | £1,000 |
| E | Emergency boarding and pet minding fees | £1,000 |
| F | Holiday cancellation | £1,000 |
| G | Accidental damage | £0 |
| Pre-Existing Conditions | All pre-existing conditions are excluded from cover |
Download the Insurance Information Product Document (IPID) for policies starting before 1st January 2022Policy wording for policies starting before the 1st January 2022
Policy wording for policies starting from the 1st January 2022
*The Vet fee amount includes;
- Up to £45 towards consultation fees for the each separate visit to the vet as a result of the condition
- Up to £110 per visit towards out of hours fees only where a vet confirms an emergency consultation was necessary
- Up to £150 per condition for all external laboratory fees including handling, postage and packaging and interpretation fees
- Up to £35 per session towards hydrotherapy, physiotherapy, accupunture, chiropractic, osteopathy or laser treatment fees
- Up to £350 per condition toward Specialist or Referral vet consultation fees
Maximum benefit cover protects against...
Maximum benefit plans cover vet fees for injuries caused by accidents and illnesses. Our plans are based on an ongoing maximum benefit cover limit of £4,000 per condition.
It could provide a cost effective way of insuring cats and dogs who are in need of known ongoing treatment.
Multi-pet discount
If you’re insuring 2 or more pets then you’ll receive a 10% discount off your total insurance premium. The offer applies to our Bronze, Silver, Gold, Premier and Premier Plus cover and will be deducted when calculating your quote.
95% claims paid
If the unfortunate situation arrives where you need to make a claim on your policy, we can assist by paying your claim fast and efficiently and often payments can be made directly to your vet – so long as you and they agree. In 2020 we paid 95% of all claims made.
Switch without the wait
It hasn’t always been easy to switch your pet cover, but we’re changing that. Most providers will impose a 14-day wait time for illnesses if you switch, but so long as you are an existing pet insurance holder when you switch to us, we won’t.
No co-insurance
Co-insurance is a payment in addition to the excess that’s shared between you and an insurer which splits the cost of claims, usually it’s an 80/20 split.
We want you to know exactly what your costs will be so we don’t impose a co-insurance payment on any of our plans.
24/7 Careline access
The Scratch & Patch Careline which is available 24 hours a day, 7 days a week, is included for all cover levels. Our friendly UK based team are available whether you’re looking for pet care advice or looking for assistance with a quote or a claim.