Max Benefit dog insurance
Covers vet fees for accidents, illnesses and conditions with no time restrictions.
What our Max Benefit policies cover
With our Max Benefit policies you can claim up to a set amount for vet fees for each condition your dog might have. For example, if you have our Max Value policy, your limit for each condition will be £1,000.
You can claim for as many different conditions as you need to and there is no time limit for how long you can claim for each condition as long as you renew with us each year.
Once you reach the limit for a condition, you won’t be able to make a claim for it again and the cover limit will not be reset when you renew the policy each year.
Would you like to know more?
Read through our policy documents for more information.
Already an existing customer?
Please refer to the policy documents we sent you when you took out or renewed your policy. You can Login to your online account to view these.
Did you know...
All our dog policies give you free vet video consults 24/7/365 through the Joii app.
Cover amounts
Our Max Benefit dog insurance policies are different to our Time Limited and Lifetime policies, providing a fixed level of cover per condition, as defined by the chosen plan. As long as the policy is live, costs up to the cover level can be claimed in as short or long a time period as you need.
These policies also include additional benefits such as cover for if your dog is stolen or goes missing (if you paid for them) or if they injure someone or damage their property - providing extra protection and assistance to complement your vet fee cover limit.
Select a policy below to see all cover limits, excess and additional benefits. Not sure how much cover you need? Find out the cost of vet fees.
- Annual condition limit: N/A
- Lifetime condition limit: £1,000
- Annual policy limit: N/A
-
Vet excess: £69, £99, £159, £199 or £249
- Co-payment: 20% after age 8
Additional benefits
We cover up to the amounts shown below:
| If your dog injures someone or damages their property. | £2m | If your dog causes accidental damage in someone else's home. | x |
| If your dog dies or is put to sleep. | £500 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your dog needs urgent medical care. | £1,000 | If you can’t look after your dog because you’re in hospital. | £500 |
| If your dog goes missing or is stolen. | £500 | If your pet needs urgent medical care abroad. | £1,500 |
| Transport costs if your dog needs treatment at another vet or hospital. | x | A dog walker or pet minder, because you’re in hospital. | £100 |
| Cremation or burial | x |
- Annual condition limit: N/A
- Lifetime condition limit: £2,000
- Annual policy limit: N/A
-
Vet excess: £69, £99, £159, £199 or £249
- Co-payment: 20% after age 8
Additional benefits
We cover up to the amounts shown below:
| If your dog injures someone or damages their property. | £2m | If your dog causes accidental damage in someone else's home. | x |
| If your dog dies or is put to sleep. | £750 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your dog needs urgent medical care. | £1,000 | If you can’t look after your dog because you’re in hospital. | £750 |
| If your dog goes missing or is stolen. | £750 | If your dog needs urgent medical care abroad. | £2,000 |
| Transport costs if your dog needs treatment at another vet or hospital. | x | A dog walker or pet minder, because you’re in hospital. | £100 |
| Cremation or burial | x |
- Annual condition limit: N/A
- Lifetime condition limit: £4,000
- Annual policy limit: N/A
-
Vet excess: £69, £99, £159, £199 or £249
- Co-payment: 20% after age 8
Additional benefits
We cover up to the amounts shown below:
| If your dog injures someone or damages their property. | £2m | If your dog causes accidental damage in someone else's home. | x |
| If your dog dies or is put to sleep. | £1,000 | Advertising and reward. | £200 |
| If you need to cancel or cut short a holiday because your dog needs urgent medical care. | £1,500 | If you can’t look after your dog because you’re in hospital. | £1,000 |
| If your dog goes missing or is stolen. | £1,000 | If your dog needs urgent medical care abroad. | £2,000 |
| Transport costs if your dog needs treatment at another vet or hospital. | x | A dog walker or pet minder, because you’re in hospital. | £100 |
| Cremation or burial | x |
Pet insurance premiums increase as your pet gets older, as the chance of your pet becoming ill increases. Excesses apply to all our policies and a co-payment is currently payable on claims if you renew your policy after your dog turns 8 years old.
Has your dog been to the vet for anything other than routine vaccinations?
If your dog has been unwell or was injured before, this is known as a pre-existing condition. Pre-existing conditions aren't covered by our policies.
We consider a condition to be pre-existing if it was first noticed before your policy start date or within the waiting period, whether your pet needed treatment previously or not.
How much cover do you need?
According to the Association of British Insurers, the average vet claim was £848 in 2021.
Knowing how much your dog could cost is important so you’re prepared with the right type of policy and we’re here to help with cover up to £18,000 in a year.
Max Benefit policy customer reviews
"Whole process was seamless, especially as we were away from home and had to involve multiple vets."
E.H., West Midlands - May 2022
"Response to claim was immediate. Super efficient and caring."
S.P., Yorkshire - March 2022