Maximum Benefit Pet Insurance
Maximum benefit pet insurance is very similar to lifetime pet insurance except the claim amount doesn't reset each year, like it does with the lifetime policy.
For example, if you have a maximum benefit policy and you dog falls ill, you can claim up to the policy limit, come the end of the policy and should you renew you will not be able to claim for that condition again.
In contrast with the lifetime policy pet insurance where the amount you can claim for that condition gets reset so should your pet experience the same problem again you would be able to claim. With maximum benefit pet insurance you would not be able to claim a second time even if it was in a different policy year.
The has obviously its disadvantages in that you can only claim for each condition once but but its not time limited so if a condition required regular medication, it can help cover costs over time.
In the event of an accident or illness, the correct pet insurance will ensure you have the right level of cover for your four legged friend
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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.
