Cat laying down

Max Benefit cat 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 cat 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.

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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 cat policies give you free vet video consults 24/7/365 through the Joii app.

Cover amount

Our Max Benefit cat 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 whatever time period you need.

These policies also include additional benefits such as cover for if your cat 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 or £159
  • Co-payment: 20% after age 10

Additional benefits

We cover up to the amounts shown below:

If your cat injures someone or damages their property. £2m If your cat causes accidental damage in someone else's home. x
If your cat dies or is put to sleep. £500 Advertising and reward. £200
If you need to cancel or cut short a holiday because your cat needs urgent medical care. £1,000 If you can’t look after your cat because you’re in hospital. £500
If your cat goes missing or is stolen. £500 If your cat needs urgent medical care abroad. £1,500
Transport costs if your cat needs treatment at another vet or hospital. x For a 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 or £159
  • Co-payment: 20% after age 10

Additional benefits

We cover up to the amounts shown below:

If your cat injures someone or damages their property. £2m If your cat causes accidental damage in someone else's home. x
If your cat dies or is put to sleep. £750 Advertising and reward. £200
If you need to cancel or cut short a holiday because your cat needs urgent medical care. £1,000 If you can’t look after your cat because you’re in hospital. £750
If your cat goes missing or is stolen. £750 If your cat needs urgent medical care abroad. £2,000
Transport costs if your cat needs treatment at another vet or hospital. x For a 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 or £159
  • Co-payment: 20% after age 10

Additional benefits

We cover up to the amounts shown below:

If your cat injures someone or damages their property. £2m If your cat causes accidental damage in someone else's home. x
If your cat dies or is put to sleep. £1,000 Advertising and reward. £200
If you need to cancel or cut short a holiday because your cat needs urgent medical care. £1,500 If you can’t look after your cat because you’re in hospital. £1,000
If your cat goes missing or is stolen. £1,000 If your cat needs urgent medical care abroad. £2,000
Transport costs if your cat needs treatment at another vet or hospital. x For a 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 cat turns 10 years old.

A kitten being held by a lady

Has your cat been to the vet for anything other than routine vaccinations?

If your cat has been unwell or was injured before, this is known as a pre-existing condition. Pre-existing conditions aren’t covered, unless they have been treatment and symptom free for more than 2 years.

We consider a condition to be pre-existing if your cat showed any signs or symptoms of it before your cover start date or within the waiting period of the policy, whether they needed treatment previously or not.

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Cat with average vet fee claim for 2020

How much cover do you need?

According to the Association of British Insurers, the average vet claim was £817 in 2020.

Knowing how much your cat 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.