Max Benefit dog insurance | Animal Friends

Max Benefit dog insurance

Fred the puppy Bruce the dog MoneyFact Dog Insurance Provider of the year 2018 award

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 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 active, costs up to the cover level can be claimed in as short or long a time period as you need – offering a dependable, known quantity of protection for your dog, available when you need it.

So, say your dog was to cut its paw on a piece of glass we would cover the costs of any treatment up until your chosen condition limit was reached. Once the benefit limit for a condition is used up, that condition becomes excluded. But, we would look to cover any other accidents in the future.

We offer 3 Max Benefit policies, ranging from £1,000 per condition up to £4,000 per condition with no other policy limits. Each unrelated condition will be treated separately, with its own claim limit.

  • Max Value
  • Max Plus
  • Max Extra

Just like our Time Limited policies, our Max Benefit policies offer extra benefits like:

  • Public Liability
  • Theft & Straying
  • Advertising and Reward
  • Holiday Cancellation
  • Boarding Kennel/Cattery
  • Death of Pet cover
  • Overseas Travel Cover

The benefit features available in the Max Benefit plan increase the scope of cover provided for you and your dog.

Max Benefit cover levels

Max Benefit Max Value Max PlusMax Extra
Lifetime Condition Limit £1,000£2,000£4,000
Vets Excess £99£99£99
Public Liability£1.5m£1.5m£1.75m
Theft & Straying£500£750£1,000
Advertising and Reward£200£200£200
Boarding Kennel£500£750£1,000
Death of Pet£500£750£1,000
Overseas Travel Cover£1,500£2,000£2,000
Holiday Cancellation £1,000£1,000£1,500
Dog Walker£100£100£100
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 dog turns 8.

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Max Benefit policy benefits

The Max Benefit policies have benefits to provide extra cover above and beyond vets’ fees, as detailed below. Please note that cover levels differ by plan as detailed in the cover level table above.

All benefits have a payout limit as specified in the chosen plan, as detailed in the table above.

Public Liability

Our third-party liability insurance will provide cover if your dog was to be responsible for an incident resulting in somebody else’s property damage, injury or death and you are found liable.

Theft & Straying

If your dog was to be stolen or go missing and is not found within 45 days, we would look to cover a percentage of the cost of your dog or the market value of the breed at the time.

Advertising and Reward

If your dog is lost or stolen we will help cover the costs of advertising while providing a monetary award for the safe return of your dog.

Boarding Kennel

If you have to spend more than 4 consecutive days in a hospital and there is no one to care for your dog we would help cover the costs of boarding your dog.

Death of Pet

If your dog 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 if you need to pay for emergency treatment for your dog abroad.

Holiday Cancellation

Cover against holiday cancellation or curtailment costs, where your dog needs life-saving surgery following an accident or illness within 14 days of your leaving date.

Dog Walker

If you ever have to spend more than 4 consecutive days in the hospital and there’s no one to take care of your dog we will help cover the cost of a professional dog walker.