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Maximum benefit pet insurance policies

Maximum benefit policies are also known as money limited policies or per condition policies.  

What is covered

There is a maximum amount of money available to cover the cost of treatment for each illness and injury your pet may suffer. Each illness and injury is covered until the maximum amount has been spent, as long as the insurance policy remains in force. There is no time limit on reaching this amount. Once the full amount of money has been spent, the treatment of illness or injury won’t ever be covered again.

If a pet has received treatment for a particular illness which appears in another part of the body at a later date, for example the other leg, ear or eye, many maximum benefit policies will treat this as the same condition. This means the maximum amount of money will only be available once, not for each occurrence of the illness or injury even if it is in another part of the body.

Key differences between maximum benefit policies and other pet insurance policies

Unlike lifetime policies, long-term or recurring illness or injuries will be not longer be covered once the amount paid out for treatment of the illness or injury reaches the financial limit of the policy. 

Next steps

If you've got a policy, want to buy some cover, or just want more information: