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. Take a look at our Champ product for pre-existing conditions cover.
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.
- Up to the maximum benefit per injury / illness
- 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
- Unlike other insurers, we don't impose a coinsurance payment when claiming.
|A||Veterinary Fees* up to||£4,000|
|Inner Limits up to|
(Included within total Veterinary Fees amount above)
|MRI / CT Scan||£1,000|
|Covered in UK / EU PETS Scheme Area||Yes|
|Excess per injury or illness, per year||Dogs under 8: £75|
Dogs over 8: £200
Cats under 10: £75
Cats over 10: £200
|Accident up to||£1,000|
|Illness up to||£1,000|
|C||Third Party Liability (Dogs Only)||£1,500,000|
|D||Loss & recovery||£1,000|
|E||Emergency boarding and pet minding fees||£1,000|
|Pre-Existing Conditions||All pre-existing conditions are excluded from cover|
*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.
...and what's not covered?
New conditions will be covered up the limit but exceed this limit and the condition becomes classed as pre-existing and will therefore no longer be eligible for a claim.
If you are looking for cover that protects against all new medical conditions which will then be re-instated at renewal then you can take a look at our lifetime pet insurance plans, or if you’re also looking for protection for existing conditions you can explore our Champs cover.
There are also some exclusions on our policies, such as specific dog breeds and treatment types. For full details see our policy exclusions.
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.
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.
Maximum benefit cover FAQs
What’s an excess and how does it work?
An excess is a compulsory payment made by you.
For time limited cover the excess is payable on each injury you make a claim for in each policy year. If your claim spans two plan years for the same injury you’ll be required to pay the excess each year.
For example our excess for time-limited policies is £75 for a cat under 10 years old or a dog under 8 years old. So if you make a successful claim for £500 of vet treatment then we will pay £425 and you will pay the £75 excess. The excess increases to £200 for older cats and dogs and so you would have to pay more.
If you claim under the Third Party Liability section of cover then the excess is £250.
What happens at renewal?
All our products are annual policies providing cover for new injuries and illnesses occurring after the policy has started and after the 14 day waiting period for illness has passed. We’ll send you an email 28 days before your renewal is due with the renewal price and how it compares to your current premium.
Please be aware that the chances of your pet getting ill increases as they age and this means your insurance premium will also increase. This increase could be significant if you have made a claim.
Is there a waiting period before my pet is covered?
Any new illnesses starting within the first 14 days of your policy are not covered. This is called a waiting period.
However, if you switch your cover from another insurer, we won’t enforce a waiting period, you will be able to claim for illness starting in the first 14 days.
We don’t have a waiting period for accidents or injuries.
Is there an age limit?
Your pet must be at least 5 weeks old when your policy starts. There is no upper age limit but please note that the excess increases and cover for death, euthanasia and loss and recovery ends when your dog reaches the age of 8 or your cat reaches the age of 10.