Maximum Benefit Pet Insurance

What is maximum benefit pet insurance?

Maximum benefit policies will only insure your pet for new medical illnesses and injuries, so pre-existing conditions before purchase would not be covered. This type of pet insurance is similar to lifetime pet insurance, but the sum you are covered for does not reset annually.

The policy will provide a fixed amount for each new condition, and will continue to cover that condition until the limit is reached. Bear in mind, this usually includes the same condition appearing in a different part of the body (ie. leg, ear, hip), so if you’ve already reached the limit for dysplasia in one hip, they would not reset the limit for a different hip. If there was a new or unrelated condition however - like an ear infection -  you can start again using a refreshed fixed amount for that condition.

The disadvantage with maximum benefit pet insurance, is that you can only claim once for any condition. Recurrences or repeated instances of the same condition can then become your responsibility to fund treatment for. However, these policies are not time-limited, so if a condition does require regular or ongoing treatment, you are covered for the costs until the fixed amount is reached. Depending on the level of insurance you’ve opted for, a low-maintenance condition with a high cover limit could be beneficial.

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What types of pet insurance are there?

Accident only. Will cover your pet in the event of an accident, but won’t cover long-term illness. There may also be limits on the amount of time and money allowed for treatment.

Time Limited. Covers illnesses as well as accidents, but for a limited amount of time only. These policies may also come with a maximum pay-out.

Maximum Benefit. Covers illnesses and accidents up to a maximum amount per condition, but there’s no time limit on how long you can claim for. This can be useful if your pet experiences a chronic or persistent illness.

Lifetime. This is the most complete type of pet insurance available. It covers accidents, injuries or illnesses for the lifetime of your pet, subject to limits as advised in the policy. These policies can include extras such as dental cover and expenses for burial.