What this insurance policy covers:
Our Max Benefits policies provide cover for accidents, illnesses and conditions up to the cover limit with no time restrictions, as long as the policy is active. When a conditions’ claim limit is reached, you will not be able to claim for that condition again.
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Max Benefit cover levels and details
Our Max Benefit cat insurance policies offer a fixed level of cover per condition, which varies by plan, without the time-limitation constraint imposed in the Time Limited and Lifetime policies.
You can claim up to the cover limit over as short or long a period as you require, as long as the policy is active. This provides the security of a defined quantity of cover for your cat, available when you need it.
So, say your cat got into a fight and needed treatment for its wounds, we would cover the costs of any treatment until your chosen condition limit was reached. Once the limit is reached an exclusion will be placed onto your cat’s policy and we would no longer cover any claims relating to that specific cat fight. But, we would look to cover any other cat fights in the future.
We offer 3 Max Benefit policies, offering per condition limits of £1,000, £2,000 and £4,000 with no other policy limits. Different conditions will be treated separately, each with their own claim limit.
- Max Value
- Max Plus
- Max Extra
Our Max Benefit policies also boast extra benefits for you and your cat, making sure you’re looked after for more than just vets’ fees.
- Public Liability
- Theft & Straying
- Advertising and Reward
- Holiday Cancellation
- Boarding Cattery
- Death of Pet cover
- Overseas Travel Cover
These Max Benefit benefits provide extra cover, increasing the scope of protection available to your cat through these policies.
Max Benefit cover levels
|Max Benefit||Max Value||Max Plus||Max Extra|
|Lifetime Condition Limit||£1,000||£2,000||£4,000|
|Vets Excess ||£99||£99||£99|
|Theft & Straying||£500||£750||£1,000|
|Advertising and Reward||£200||£200||£200|
|Death of Pet||£500||£750||£1,000|
|Overseas Travel Cover||£1,500||£2,000||£2,000|
|Download Insurance Product Information Document (IPID)|
Pet insurance premiums increase as your pet gets older. A 20% co-payment (in addition to the fixed excess) will be added when your cat turns 10.
Max Benefit policy benefits
The benefits provided on our Max Benefit policies provide extra protection beyond vets’ fees. Not all policies offer all benefits so please check the cover level table above for specific details.
All benefits have a payout limit as specified in the chosen plan, as detailed in the table above.
This will provide cover towards third party death, injury or property damage as a result of an accident involving your cat where you are found legally liable.
Theft & Straying
This will cover a percentage of the market value, purchase price or the amount specified in your schedule, if your cat goes missing and is not found within 45 days.
Advertising and Reward
In the unfortunate event of your cat being lost or stolen we will help towards the costs of posters and advertising and provide an award for the return of your cat.
In the unfortunate circumstance that you would have to spend more than 4 consecutive days in the hospital, we help with the costs of their boarding.
Death of Pet
If your cat passes away while you have a policy with us we will look to cover a percentage of what you paid for them, depending on their age and the market value of the breed at the time.
Overseas Travel Cover
This benefit will provide cover towards the costs for emergency treatment for your cat abroad.
This will provide cover towards the costs of the cancellation or curtailment of your holiday because your cat needs life-saving surgery following an accident or illness within 14 days of your holiday.