logo Leave a Review

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

Review Score

9.7

based on 2,564 reviews

Dog Quote*

£18.24

per month

Cat Quote**

£12.38

per month

Maximum Vet Fees

£3k

per condition

Excess

£95|£75

dog | cat
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

9.5

based on 426 reviews

Dog Quote*

£63.91

per month

Cat Quote**

£32.28

per month

Maximum Vet Fees

£7k

per condition

Excess

£105|£85

Dog|Cat
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

9.4

based on 25,208 reviews

Dog Quote*

£36.39

per month

Cat Quote**

£14.20

per month

Maximum Vet Fees

£4k

lifetime condition limit

Excess

£99

dog | cat
Your vet can make a pet insurance claim online on your behalf. All policyholders also get free 24/7 vet video consultations.

4th

Review Score

9.3

based on 532 reviews

Dog Quote*

£35.09

per month

Cat Quote**

£11.85

per month

Maximum Vet Fees

£4k

per condition

Excess

£75

dog | cat
Scratch & Patch have a 24/7 careline available for all policyholders. There's no co-insurance payment on any of their plans.

5th

Review Score

9.3

based on 7,886 reviews

Dog Quote*

£40.72

per month

Cat Quote**

£19.27

per month

Maximum Vet Fees

£8,000

per condition

Excess

£95|£80

dog | cat
Offer a selection of benefits including 12 months for the price of 9, plus discounts on medication, pet food and toys.

6th

Review Score

8.8

based on 12,591 reviews

Dog Quote*

£36.15

per month

Cat Quote**

£12.53

per month

Maximum Vet Fees

£8k

per condition

Excess

£100

dog | cat
New customers get 25% when they buy online and can also benefit from a 10% multi-pet discount.

7th

Review Score

8.8

based on 1,295 reviews

Dog Quote*

£43.29

per month

Cat Quote**

£20.68

per month

Maximum Vet Fees

£6k

per condition

Excess

£99

dog | cat
Insure Your Paws offers three cover levels and a multi-pet discount. There's no extra cost for paying monthly.

8th

Review Score

8.6

based on 182 reviews

Dog Quote*

£42.25

per month

Cat Quote**

£24.12

per month

Maximum Vet Fees

£6k

per condition

Excess

£100

dog | cat
They have four levels of cover to choose from and 15% of the price of every policy sold goes to the RSPCA charity.

9th

Review Score

8.4

based on 2,355 reviews

Dog Quote*

£38.39

per month

Cat Quote**

£43.08

per month

Maximum Vet Fees

£4,000

per condition

Excess

£90

dog | cat
Perfect Pet Insurance offers a Public Liability only policy for dog owners and a 10% multi-pet discount.

10th

Review Score

8.3

based on 1,334 reviews

Dog Quote*

£50.64

per month

Cat Quote**

£24.79

per month

Maximum Vet Fees

£7.5k

per condition

Excess

£99

dog | cat
Healthy Pets offers a 20% discount when you buy online. Claims can be made online and they can pay the vet directly.

*The quote received provides maximum benefit cover for accidents and illnesses for a four year old Labrador who has been spayed and chipped, cost £1000 and lives at a CM postcode.

**The quote received provides maximum benefit cover for accidents and illnesses for a three year old Bengal who has been spayed and chipped, cost £600 and lives at a CM postcode.

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