Maximum benefit Insurance For Pets
What is Maximum Benefit pet insurance and how does it work?
Think of it as a pot of money.
You choose from one of the pots we offer, and then, should your pet have an accident or become ill, money comes out of the pot to pay for your vet’s fees.
There’s no time limit on how long you can take to use the vet’s fees money. You can take as long as you need to empty the pot, but once it’s gone, it’s gone. There is no more money to pay for that particular injury or illness.
What else does Maximum Benefit pet insurance cover?
“Maximum Benefit” refers to the type of vet’s fees cover, but we also cover:
- Death of Pet.
- Boarding Kennel or Cattery Fees.
- Holiday Cancellation.
- Loss by Theft or Straying.
- Advertising and Reward.
- Accidental Damage.
- Public Liability (Maximum Benefit dog insurance only).
- Personal Accident.
There are three levels of cover available; Bronze, Silver and Gold.
What we don’t cover:
- Any costs over the maximum available to you.
- If your pet is injured or shows signs of illness before the insurance began.
- If your pet shows signs of illness within 14 days of the cover starting.
- Any illnesses or conditions that we choose to exclude.
- Your pet’s death following an illness if they are aged 8 years or older when your policy starts or is annually reviewed.
- Your pet’s death occurring over 365 days after they fell ill or were injured.
- If anyone handling your pet is injured by them.
It’s really, really important that you take a moment to read your policy documents – they’ll show you what you’re covered for, any excesses due if you need to claim, and all the terms and conditions you need to know.
How does Maximum Benefit cover compare to our other policies?
Let’s go back to that pot of money again - we offer three other policies that include vet’s fees cover. You’ll always get to choose how much money goes into the pot, but each policy works a little differently:
With a time limited policy after 365 days, or when the money runs out (whichever comes first), there is no more money to pay the vet’s fees for that particular injury or illness).
With a lifetime policy, as long as you continue to pay for your policy, the vet’s fees money renews so you can continue to claim for a particular injury or illness throughout your pet’s lifetime.
We also have an accident only policy; it works like our maximum benefit policy but only for pets injured in an accident. It doesn’t cover illnesses.
And finally, if you’re looking for something to take care of any compensation and legal costs in case someone gets knocked over, bitten or scratched by your dog (cats just aren’t that problematic!) we have a public liability only policy which does just that.
Don’t forget — if you’ve got more than one pet, you can mix and match cover types and still enjoy our multi-pet discount!
What else can I choose?
We offer a couple of extras on our Bronze, Silver, and Gold policies:
- European Cover
- Euthanasia and Cremation (for pets under 8)
Award winning insurance!
Defaqto 5 Stars on selected products
CHOOSE YOUR MAXIMUM BENEFIT COVER
Make sure your pet isn’t one of our Excluded Breeds then explore our simple Table of Benefits to find the maximum benefit cover that’s right for you and your pet.
- Vet's Fees i
- Death of Pet i
- Kennel/Cattery Fees i
- Holiday Cancellation i
- Loss by Theft or Straying i
- Advertising & Reward i
- Accidental Damage i
- Public Liability (Dogs Only) i
- Personal Accident i
Lunar Monthly
(payable every 28 days)
- £2,000/
condition - £1,000
- £750
- £1,250
- £1,000
- £750
- £700
- £1.5m
- £150
- £4,500/
condition - £1,250
- £1,000
- £1,500
- £1,250
- £800
- £750
- £1.5m
- £200
- £7,500/
condition - £1,500
- £1,250
- £1,750
- £1,500
- £850
- £800
- £1.5m
- £250
Yearly
(payable annually)
- £1,500/
condition - £750
- £500
- £1,000
- £750
- £600
- £500
- £1m
- £100
- £4,000/
condition - £1,000
- £750
- £1,250
- £1,000
- £650
- £600
- £1m
- £150
- £6,000/
condition - £1,250
- £1,000
- £1,500
- £1,250
- £700
- £650
- £1m
- £200
- Maximum Benefit
- Policy Wording
- Product Information (Under 8)
- Product Information (Over 8)
Your legal liability to others for compensation and costs arising out of your ownership of your dog.
The cost of treatment and/or complementary treatment of an injury, illness, or condition.
The cost of treatment and/or complementary treatment of an injury.
The cost of treatment and/or complementary treatment of an injury caused by an accident.
The price paid (or a percentage of the price paid) if your pet dies or is put to sleep following an injury, illness or condition.
The price paid (or a percentage of the price paid) if your pet dies or is put to sleep following an injury.
Complementary Treatment must be carried out by your vet or a qualified practitioner (who is a member of a recognised association) recommended by your vet.
The cost of boarding your pet if you are hospitalised for at least 3 days.
The cost of cancellation or curtailment within 14 days of departure if your pet needs emergency life-saving surgery.
If your pet is not found within 28 days of straying or being stolen, the price paid less 50% for pets aged 6 years or more, or 25% for neutered pets up to the age of 6 years.
The cost of advertising for the return of your pet or paying a reward which leads to its return.
The cost of accidental damage to another’s personal property.
Income lost following you being bitten by your pet.
Your legal liability to others for compensation and costs arising out of your ownership of your dog.
The cost of treatment and/or complementary treatment of an injury, illness, or condition.
The cost of treatment and/or complementary treatment of an injury caused by an accident.
The price paid (or a percentage of the price paid) if your pet dies or is put to sleep following an injury, illness or condition.
The cost of boarding your pet if you are hospitalised for at least 3 days.
The cost of cancellation or curtailment within 14 days of departure if your pet needs emergency life-saving surgery.
If your pet is not found within 28 days of straying or being stolen, the price paid less 50% for pets aged 6 years or more or 25% for neutered pets up to the age of 6 years plus a sum for advertising for the return of your pet.
The cost of advertising for the return of your pet or paying a reward which leads to its return.
The cost of accidental damage to another’s personal property.
Income lost following you being bitten by your pet.
Why Insure Your Pet With Us
Read The Not Small Print
We dislike jargon and we like to be upfront and clear with customers, but occasionally there are words that we need to use, so we’ve put them in this helpful box of not small print, along with some frequently asked questions!
The 20% Introductory Discount is available from the start of the policy until its first review/renewal date.
Insure more than one pet with us and you’ll get a 10% discount on each policy. We’ll apply it when you add a second pet — and keep it going on every policy at every annual review, as long as you’ve always got more than one pet covered.
A lunar monthly policy runs in periods of 28 days. This type of policy renews each 28 days upon receipt of appropriate premium.
How do I redeem my promo code discount?
Enter the promo code at checkout or let our team know over the phone and the discount will be applied to the final premium.
How can I view my policy documents and change my details?
Simply register and log into your My Emporium account to view your policy, change your contact details and download a claim form.
Is my pet covered for physiotherapy?
Yes, vet recommended physiotherapy is included in your vet’s fees cover.
Does the policy cover prescription diet?
The veterinary fees section on the Time Limited, Maximum Benefit and Lifetime policies includes cover for prescription diet for the treatment to dissolve bladder stones or crystals in urine only. Limitations apply, please see the policy wording.
What if my pet isn’t vaccinated?
Unvaccinated dogs are not covered for: distemper, hepatitis, leptospirosis, and parvovirus.
Unvaccinated cats are not covered for: feline infectious enteritis, feline leukaemia, and cat flu.
Neither are covered for any illnesses that could have been prevented by a vaccine (unless it fails).
Are there any treatments I am unable to claim for?
We will not pay for preventative, cosmetic and routine treatments as well as claims for any behavioural problems.
What about my pet’s dental treatment?
Unless your pet suffers an injury to its teeth or mouth, we don’t cover routine dental treatment.
What if my pet became ill a few days after buying my policy?
Sorry, we don’t cover pets who shows signs of illness within 14 days of the cover starting.
If you choose a Zinc, Copper, Titanium, or Palladium policy, we don’t cover problems with your pet’s cruciate ligaments within those same 14 days.
What if my pet has an accident a few days after buying my policy?
If you choose a Zinc, Copper, Titanium, or Palladium policy, we don’t cover vet’s fees for accidents within 48 hours of your cover starting.
Are there any pet breeds you won’t cover?
We insure all breeds of domestic cat, but there are some dogs that we don’t cover.
Can I insure a crossbreed or mongrel?
Yes. Simply select crossbreed or mongrel when going through the quote process.
What help will my policy offer if my pet is lost?
As part of your policy, we offer cover for advertising and reward to help with the cost of getting your pet back. If your pet is not found within 28 days of straying or being stolen from your address we will pay the price paid for the pet, less 50%, for a pet aged 6 years or more. For neutered pets up to the age of 6 years, we will pay the price paid for the pet, less 25%. If you are unable to prove a purchase receipt, you will receive a payment of the following; £75 for dogs, £40 for cats.
Do I have to wait until my pet has finished their treatment before I can make a vet’s fees claim?
No, get in touch with us as soon as you need to make your claim.
My pet has had previous medical problems, will that make a difference?
We don’t cover your pet for vet’s fees or death if they are injured or shows signs of illness before the insurance began and you must tell us everything you know about your pet’s health, that includes whether they have had any previous medical problems because it may make a difference to the cover we offer you.
What if my pet is referred to a specialist?
Each vet who treats your pet will need to fill out their own section of our Vet’s Fees claim form – so you’ll need a separate form for every vet involved in your pet’s care.
Do you cover hereditary conditions?
Yes, as long as the condition doesn't first show clinical signs, happens or exists at the commencement date/time shown on your policy schedule or within the first 14 days of the policy inception.
Do you cover congenital conditions?
Yes, as long as the condition doesn't first show clinical signs, happens or exists at the commencement date/time shown on your policy schedule or within the first 14 days of the policy inception.
I'm thinking about taking out more than one pet policy with The Insurance Emporium, will you give me a discount?
Yes, we offer a 10% discount on each subsequent pet policy you take out with us. Total maximum discount is 30%. There is no limit to the number of pets that you can insure; multi-pet discounts apply to dogs or cats or a combination of the both.
What amount will I have to pay as an excess?
There is a £250 excess on Public Liability and an excess on Vet's Fees (Calculated by policy type, breed, age and cover level).
How is my pet’s premium calculated?
We look at several factors, including your pet’s breed, age, where you live and the type and level of cover you choose.
How will my pet’s bills be paid?
You have a choice – we can pay it into your bank account, or we can pay your vet – you just need to let us know which!
Can you get Maximum Benefit pet insurance for older pets?
Yes, we offer Maximum Benefit cover to pets of all ages; although the cover and benefits may be different for pets ages 8 years and older.
Enter the promo code at checkout or let our team know over the phone and the discount will be applied to the final premium. Promo code discount is available from the start of the policy until its first review/renewal date.
