Based on reviews of all products
Claim for vet fees per condition for the lifetime of your cover, up to policy limits
Whether you’re new to the joys of pet ownership or you’ve had pets since before you can remember, you’ll want to do all you can for your furry companions. That’s why it may be time to consider Maximum Benefit Pet Insurance.
Why might I need Maximum Benefit Pet Insurance?
Sometimes, the rough and tumble of playtime or a pet’s mischievous nature can mean that they pick up an injury or illness. Whilst you can’t wrap them in cotton wool, you can take out Maximum Benefit Pet Insurance to help provide that peace of mind day to day.
Maximum Benefit policies let you claim for vet fees per condition during the lifetime of your cover, up to policy limits. You can claim for the same condition again and again until your policy limit is reached, providing your policy is renewed. The peace of mind that comes with taking out Pet Insurance means you can focus on helping your pet to recover.
Why consider Healthy Pets for your Pet Insurance?
- Pick a tier of cover that suits you and your pet
- The insurer pays for treatment directly if mutually agreed by you and your vet. Subject to the policyholder paying their excess (and any applicable co-insurance fee) to the vets
- Cover available for legal fees, vet fees and emergency boarding, including various illnesses and injuries for as long as your Maximum Benefit Insurance policy is in place. Limits apply
- Healthy Pets have over 1,900 5* reviews across all products on Trustpilot as of December 2023.
- Connect with like-minded pet lovers through Facebook, Instagram and X
What does Maximum Benefit Pet Insurance offer?
Depending on your level of cover, a Maximum Benefit policy could include:
Vet fees – If your pet injures themselves or picks up an illness, your insurer will cover the costs up to your agreed cover limit.
Complementary treatments - Vet fees also cover some complementary treatments which include osteopathy, physiotherapy, and hydrotherapy.
Emergency boarding – Maximum Benefit Pet Insurance covers pet sitting, licenced boarding, catteries or kennels up to £1,000 if anyone in your household is suddenly admitted to hospital for four or more consecutive days.
Food prescribed by the vet – If your pet is put on a special diet by your vet, your policy will put up to £100 towards prescribed food.
Third party liability (dogs only) – If your dog was to harm another dog, hurt a person, or damage someone else’s property, your policy would cover you for up to £1,000,000, with a separate excess fee of £250.
Accidental damage - If your dog causes minor damage to another person’s property, Maximum Benefit Insurance through Healthy Pets may help to cover the cost of repairs or replacement up to £100. Dog Insurance only.
Cover if your pet is lost or stolen - If your pet is taken or lost, depending on your cover level, up to £1,000 of cover could be provided for advertising or reward costs for their safe return.
Cover if your pet passes away due to accident or illness - If your vet has to put your pet to sleep, or they pass away as a result of an accident or illness, you’ll be paid either the purchase price of your pet, or up to the cover limit provided – whichever is less. Subject to the purchase price you provide and a receipt of purchase. Paid for dogs aged 8 or below and cats aged 10 years and below.
Cover for UK and EU travel - If your holiday has to be cancelled or delayed due to your pet having a life-threatening injury or illness, the insurer will contribute up to £2,000. Treatment fees for an injury or illness in the EU will also be covered.
Cover level £1,000 Bronze
| Feature/benefit | £1,000 Bronze |
| Vet fees | £1,000 |
| MRI / CT scans* | £500 |
| Cruciate ligament* | £1,000 |
Dental Treatment* (Dental cover basis) | £1,000 |
| Accident & Injury | |
| Complementary Treatments* | £400 |
| Acupuncture | |
| Physiotherapy | |
| Hydrotherapy | |
| Osteopathy | |
| Chiropractic | |
| Behavioural problems* | Restricted |
| Food prescribed by a vet* | £100 |
| Advanced treatments (Stem cell treatment, gene therapy, transplant surgery with necessary pre- and post-operative care, and prosthesis | |
| Hereditary conditions | |
| Congenital conditions | Restricted |
| Max fees per condition | £1,000 |
| Time limit | No limit |
| Max fees per condition for lifetime of pet | £1,000 |
| Total vet fees for life of pet | Unlimited |
| Third Party Liability | ||
| Dog Liability - Personal | £1,000,000 | |
| Dog Liability - Property | £1,000,000 | |
| Accidental Damage | ||
| Accidental Damage - 3rd Party Property | ||
| Cover if your pet is lost or stolen | ||
| Advertising & Reward | ||
| Covering the purchase price of your pet if not found within 45 days | ||
| Excess | £0 | |
| Cover if your pet passes away due to accident or illness | ||
| Death By Accident (no max age) | ||
| Maximum age for dogs & cats | ||
| Death By Illness | ||
| Maximum age for dogs & cats | 9 for dogs, 11 for cats | |
| Pet Value Basis | ||
| Excess | £0 | |
| Emergency boarding when you're ill | ||
| Pet minding & Boarding fees | ||
| Excess | £0 | |
| Travelling* (UK & EU) | ||
| Cancellation, rebooking, cutting your trip short or extending your trip (including additional accommodation up to 14 nights and quarantine kennelling), up to | ||
| Additional Accommodation – maximum amount per night | ||
| Maximum length of trip abroad | up to 30 days per year (for vet fee cover) | |
*Included in the overall vet fee limit. Maximum limits shown. Other features, benefits and limitations exist. Please contact us for details.
| Excesses (These change dependent on your pets age and are payable each year for recurring conditions) | ||
| Excess starting at £99 | £125 | |
Compulsory Co-insurance % Information on co-insurance is available in the FAQ section of this page | 15 / 20% | |
Age for cats when co-insurance applies Age for dogs when co-insurance applies | 15% - 5 years; 20% - 6 years 15% - 5 years; 20% - 6 years | |
Excess (All liability claims) | £250 | |
| Exclusion Periods | |
| Initial Exclusion Period - Accidents | 2 days |
Initial Exclusion Period - Illness | 10 days |
Minimum Pet Age for New Customers | 5 weeks |
Maximum Pet Age for New Customers | Dogs - 11 years Cats - 13 years |
Cover level £4,250 Silver
| Feature/benefit | £4,250 Silver |
| Vet fees | £4,250 |
| MRI / CT scans* | £875 |
| Cruciate ligament* | £1,500 |
Dental Treatment* (Dental cover basis) | £4,250 |
| Accident & Injury | |
| Complementary Treatments* | £500 |
| Acupuncture | |
| Physiotherapy | |
| Hydrotherapy | |
| Osteopathy | |
| Chiropractic | |
| Behavioural problems* | Restricted |
| Food prescribed by a vet* | £100 |
| Advanced treatments (Stem cell treatment, gene therapy, transplant surgery with necessary pre- and post-operative care, and prosthesis | |
| Hereditary conditions | |
| Congenital conditions | Restricted |
| Max fees per condition | £4,250 |
| Time limit | No limit |
| Max fees per condition for lifetime of pet | £4,250 |
| Total vet fees for life of pet | Unlimited |
| Third Party Liability | ||
| Dog Liability - Personal | £1,000,000 | |
| Dog Liability - Property | £1,000,000 | |
| Accidental Damage | ||
| Accidental Damage - 3rd Party Property | ||
| Cover if your pet is lost or stolen | ||
| Advertising & Reward | £500 | |
| Covering the purchase price of your pet if not found within 45 days | £500 | |
| Excess | £0 | |
| Cover if your pet passes away due to accident or illness | ||
| Death By Accident (no max age) | £500 | |
| Maximum age for dogs & cats | No max | |
| Death By Illness | £500 | |
| Maximum age for dogs & cats | 9 for dogs, 11 for cats | |
| Pet Value Basis | Purchase price/Market value | |
| Excess | £0 | |
| Emergency boarding when you're ill | ||
| Pet minding & Boarding fees | £500 | |
| Excess | £0 | |
| Travelling* (UK & EU) | ||
| Cancellation, rebooking, cutting your trip short or extending your trip (including additional accommodation up to 14 nights and quarantine kennelling), up to | £500 | |
| Additional Accommodation – maximum amount per night | ||
| Maximum length of trip abroad | up to 30 days per year (for vet fee cover) | |
*Included in the overall vet fee limit. Maximum limits shown. Other features, benefits and limitations exist. Please contact us for details.
| Excesses (These change dependent on your pets age and are payable each year for recurring conditions) | ||
| Excess starting at £99 | £125 | |
Compulsory Co-insurance % Information on co-insurance is available in the FAQ section of this page | 15 / 20% | |
Age for cats when co-insurance applies Age for dogs when co-insurance applies | 15% - 5 years; 20% - 6 years 15% - 5 years; 20% - 6 years | |
Excess (All liability claims) | £250 | |
| Exclusion Periods | |
| Initial Exclusion Period - Accidents | 2 days |
Initial Exclusion Period - Illness | 10 days |
Minimum Pet Age for New Customers | 5 weeks |
Maximum Pet Age for New Customers | Dogs - 11 years Cats - 13 years |
Cover level £7,500 Gold
| Feature/benefit | £7,500 Gold |
| Vet fees | £7,500 |
| MRI / CT scans* | £1,875 |
| Cruciate ligament* | £1,500 |
Dental Treatment* (Dental cover basis) | £7,500 |
| Accident & Injury | |
| Complementary Treatments* | £750 |
| Acupuncture | |
| Physiotherapy | |
| Hydrotherapy | |
| Osteopathy | |
| Chiropractic | |
| Behavioural problems* | Restricted |
| Food prescribed by a vet* | £100 |
| Advanced treatments (Stem cell treatment, gene therapy, transplant surgery with necessary pre- and post-operative care, and prosthesis | |
| Hereditary conditions | |
| Congenital conditions | Restricted |
| Max fees per condition | £7,500 |
| Time limit | No limit |
| Max fees per condition for lifetime of pet | £7,500 |
| Total vet fees for life of pet | Unlimited |
| Third Party Liability | ||
| Dog Liability - Personal | £1,000,000 | |
| Dog Liability - Property | £1,000,000 | |
| Accidental Damage | ||
| Accidental Damage - 3rd Party Property | £100 | |
| Cover if your pet is lost or stolen | ||
| Advertising & Reward | £1,000 | |
| Covering the purchase price of your pet if not found within 45 days | £1,000 | |
| Excess | £0 | |
| Cover if your pet passes away due to accident or illness | ||
| Death By Accident (no max age) | £1,000 | |
| Maximum age for dogs & cats | No max | |
| Death By Illness | £1,000 | |
| Maximum age for dogs & cats | 9 for dogs, 11 for cats | |
| Pet Value Basis | Purchase price/Market value | |
| Excess | £0 | |
| Emergency boarding when you're ill | ||
| Pet minding & Boarding fees | £1,000 | |
| Excess | £0 | |
| Travelling* (UK & EU) | ||
| Cancellation, rebooking, cutting your trip short or extending your trip (including additional accommodation up to 14 nights and quarantine kennelling), up to | £2,000 | |
| Additional Accommodation – maximum amount per night | ||
| Maximum length of trip abroad | Up to 12 months (for vet fee cover) | |
*Included in the overall vet fee limit. Maximum limits shown. Other features, benefits and limitations exist. Please contact us for details.
| Excesses (These change dependent on your pets age and are payable each year for recurring conditions) | ||
| Excess starting at £99 | £125 | |
Compulsory Co-insurance % Information on co-insurance is available in the FAQ section of this page | 15 / 20% | |
Age for cats when co-insurance applies Age for dogs when co-insurance applies | 15% - 5 years; 20% - 6 years 15% - 5 years; 20% - 6 years | |
Excess (All liability claims) | £250 | |
| Exclusion Periods | |
| Initial Exclusion Period - Accidents | 2 days |
Initial Exclusion Period - Illness | 10 days |
Minimum Pet Age for New Customers | 5 weeks |
Maximum Pet Age for New Customers | Dogs - 11 years Cats - 13 years |
FAQs about Select Pet Insurance through Healthy Pets
Healthy Pets can provide cover for cats and dogs so long as they are 5 weeks old or above. New policies can insure cats up to 13 years old and dogs up to 11 years old.
Unfortunately, Healthy Pets are unable to offer cover for rabbits, horses or other pets. If your pet has a pre-existing medical condition, they can only be insured for future injuries or accidents – medical conditions they already have can’t be covered. You also need to be a UK resident to take out Pet Insurance through Healthy Pets.
Please refer to our FAQs page for a list of breeds we won’t be able to cover.
Pet Insurance premiums depend on the product and the tier of cover you pick. Many other factors will also be taken into consideration, including your pet’s age and your location. Higher tiers of cover will result in a higher premium; however, if your pet requires extensive treatment, you’ll have a wider range of protection available. Costs may also vary between veterinary practices and depend on the breed of your pet. All of these things combined will impact the amount you’ll be able to claim for a medical condition or illness.
You are not required to have Pet Insurance by law. However, vet bills can add up for pet owners without a policy. That’s why you may like to consider taking out cover. It could help towards fees if your pet has an accident or develops an illness. If vet fees concern you, you may like to look into Pet Insurance.
Your insurance provider will generally pay the vet directly; this is subject to the excess fee being paid to the vet by the policyholder. However, if you have settled the invoice already, they will pay you instead.
There are many factors which could cause your premiums to rise over time. These might include:
- Pets ageing
- The claims history of your pet
- Vet treatment costs rising due to complexity
- The cost of living causing vet fees to grow in your area
Yes, please check your policy schedule for the fixed excess and co-insurance (where applicable) that applies to your pet. You can find out more about co-insurance in the answer to the next question.
The fixed excess is the amount you must pay towards treatment for each condition in a policy year when you make a claim. Your insurer will cover the remaining cost of the claim or any other eligible claims for the same condition during that policy period, up to your cover limit. If your pet is treated for the same illness or injury in separate policy periods, the excess will be applied to the first claim in each policy period.
Once your pet reaches a certain age, co-insurance payments will come into effect on your Pet Insurance policy. Check your policy wording each year for details.
Paid alongside your compulsory fixed excess, the mandatory co-insurance payment is an amount you will put towards the cost of your insurance claim. Your co-payment amount may change at renewal, so please make sure to check your schedule for the latest figure when the policy renews, and also if you need to make a claim.
Some policies allow you to include co-insurance from birth if you wish, and others let you choose a different excess. Once co-insurance is added to your cover, it will remain for the duration of the policy.
So, how does it work?
- You put in a claim for £499 to treat your 6-year-old dog for a new condition
- If you have a Maximum Benefit policy you’ll pay a fixed excess of £125, leaving a vet bill of £374
- You then pay a co-insurance of 20% from the vet bill after the fixed excess has been deducted of £74.80
- This means your insurer pays the outstanding balance of £299.20
- In total, you pay £199.80 (fixed excess plus 20% co-insurance payment)
The idea of adding compulsory co-insurance payments to your Pet Insurance policy is to try and help keep premiums lower.
Get a Maximum Benefit Insurance quote online
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