Maximum benefit pet insurance policies allow you to claim for illness and injuries up to a pre-set limit. It’s typically seen as a mid-range option. Unlike time limited policies, you’ll be able to claim for the same condition more than once. However, once you’ve reached the policy limit, you’ll have to pay for further treatment yourself.
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.
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.
There are three other types of pet insurance policies available:
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