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Compare maximum benefit pet insurance providers

Our comparison table is ordered by review score. The review score is the average weighted score based on product quality and user reviews from the last 12 months. Find out more about how our review score is calculated here.

1st

Our
Review Score

9.7/10

based on 734 reviews
  • Rated 3 stars by Defaqto

  • Rated 4.1/5 on Trustpilot

2nd

Our
Review Score

9.5/10

based on 522 reviews
  • Rated 5 stars by Defaqto

  • Rated 4.6/5 by Trustpilot

3rd

Our
Review Score

9.4/10

based on 3,967 reviews
  • Rated 3 stars by Defaqto

  • Rated 4.3/5 by Trustpilot

4th

Our
Review Score

9.3/10

based on 353 reviews
  • Rated 5 stars by Defaqto

  • Rated 4.4/5 by Trustpilot

5th

Our
Review Score

9.3/10

based on 2,523 reviews
  • Rated 5 stars by Defaqto

  • Rated 4.3/5 by Trustpilot

6th

Our
Review Score

8.8/10

based on 2,543 reviews
  • Rated 5 stars by Defaqto

  • Rated 4.3/5 by Trustpilot

7th

Our
Review Score

8.8/10

based on 279 reviews
  • Rated 5 stars by Defaqto

  • Rated 4.4/5 by Trustpilot

8th

Our
Review Score

8.6/10

based on 139 reviews
  • Rated 5 stars by Defaqto

  • Rated 2.4/5 by Trustpilot

9th

Our
Review Score

8.4/10

based on 1,076 reviews
  • Rated 3 stars by Defaqto

  • Rated 4.1/5 by Trustpilot

10th

Our
Review Score

8.3/10

based on 134 reviews
  • Rated 5 stars by Defaqto

  • Rated 4.6/5 by Trustpilot

What are the pros and cons of maximum benefit pet insurance?

Pros

  • No time constraints if you renew your policy
  • When you’ve reached the limit for one condition, other conditions can still be covered
  • Perfect for covering costs if your pet needs ‘maintaining’ medication for their whole life

Cons

  • Only covers new illnesses and injuries, not pre-existing conditions
  • When you’ve reached the limit for a particular condition, you won’t be able to claim for that condition again
  • If your pet needs an operation, you could reach the limit very quickly
  • The maximum amount isn’t reset every year, if you use 50% of the maximum benefit in one year, you’ll only have 50% left for the remaining years

What does maximum benefit pet insurance cover?

Maximum benefit pet insurance policies cover each new medical condition up to the policy limit, for as long as the policy remains in place. Once you reach the policy limit for a condition, it will be classed as a pre-existing condition and will be excluded from future claims. Most providers offer multiple maximum benefit policies with different policy limits so that you can find a policy that’s within your budget. The lower the policy limit, the lower the premium will be.

  

Is maximum benefit pet insurance right for me?

Maximum benefit pet insurance is more comprehensive than time limited or accident only pet insurance. Because of this, premiums are slightly more expensive. The main downside to maximum benefit pet insurance is that once you’ve reached the policy limit for a condition, you can no longer claim for that particular condition again in the future, even if you change insurer or take out a lifetime policy. This can be risky as your pet could develop an ongoing condition that needs treatment for life but with a maximum benefit policy, you’ll only be able to claim up to the policy limit or until the policy term ends. If you opt for a lifetime pet insurance policy instead, you can claim up to a fixed amount per condition, which resets each year you renew your policy. Lifetime policies are slightly more expensive than maximum benefit policies but they do offer you and your pet more security in the long run.

 

Can I claim for the same condition more than once?

Yes, if you have a maximum benefit pet insurance policy it's possible for you to claim for the same condition more than once. However, once you've reached the maximum limit for that particular condition, it will be excluded from cover and you won't be able to make a claim for it again. For example, if your policy has a limit of £7,000 and your pet develops arthritis, you can claim up to £7,000 for that condition for as long as you renew the policy. Once you've hit the £7,000 limit, claims for arthritis will no longer be covered and it will be classed as a pre-existing condition. Even if you were to change insurer, you would have to declare the condition and it would be excluded from cover, unless you took out a policy with a specialist pet insurance provider.

  

 

What other types of pet insurance can I get?

There are three other types of pet insurance policies available: 

Maximum Benefit Pet Insurance FAQs

Pet Insurance Guides