Hey, Quidco Member

Compare maximum benefit pet insurance quotes

Compare cheap pet insurance quotes and get up to £25* cashback

maximum benefit pet insurance
maximum benefit pet insurance

*based on a lifetime policy for a 1 year old male Cockapoo, who is neutered, fully vaccinated and shows no signs of aggression. Cover starts on 22nd July 2022. Prices are correct as of 11th July 2022. 

Compare up to 26 providers to get an cheap maximum benefit pet insurance quote

Get quotes

Spend some time entering your details and the details of your pet. You’ll get access to a variety of quotes so that you can find the one for you. 


Compare the UK’s most reputable policies and prices to find the right pet insurance plan for you.

Get paid

Choose an insurance plan. Your cashback will be on its way and paid into your account. Please note that it can take up to 10 weeks from the start of your policy for your cashback to be paid

Why compare maximum benefit pet insurance at Quidco?

Pets are part of the family, but unfortunately, their healthcare isn’t as simple as ours. Something happening to your pet can be a constant worry, and not having a good pet insurance plan could have drastic consequences.

We provide access to reputable companies that you can trust. All you need to do is review your needs and the depth of coverage you would like to receive. You’ll make significant savings by comparing, and we will even top up those savings with up to £20 cashback.

What is maximum benefit pet insurance?

Your cat or dog's maximum benefit pet insurance covers each injury or illness up to a predetermined level. Unlike a time-limited policy, there is no limit to how long you can file a claim.

This implies that as long as you renew your coverage each year and pay your premiums on time, you can keep claiming for the same health issue until you approach the financial cap.

Maximum benefit will not cover it if your pet has a pre-existing illness when you purchase the policy. If the same ailment occurs elsewhere, for example on the opposite leg, you won't be protected because most insurers will deem it the same problem and won't cover you.

What pets are included and excluded?

Maximum benefit pet insurance currently only includes dogs and cats, as the most popular household pets. Most insurers will have separate plans for exotic pets or smaller animals, as their needs and health issues are generally more complex. 

The advantages and disadvantages of maximum benefit pet insurance


  • If your animal needs ongoing medication, this cover might be an excellent option
  • Other ailments can still be handled if the cap for one condition is exceeded
  • There are no time limits, unlike some other types of insurance, so long as you renew


  • You won't be able to claim for the same illness again once you've hit your limit. It's also unlikely that you'll be covered if the same problem develops in another section of your pet's body
  • If your pet remains ill after the maximum amount has been reached, you will be responsible for any additional treatment
  • Each year, the total amount is not reset. Therefore, if you use half of the maximum benefit in one year, only half of it will be available in subsequent years
  • Maximum benefit, like so many other pet insurance plans, only covers new illnesses and injuries; pre-existing conditions are not covered

Other types of pet insurance

In addition to maximum benefit, there are three further options to ensure your pet is safe. One thing that all insurance have in common is a cap on how much they will pay for care and fees.

Whilst some have per-condition caps, others have annual caps on how much they'll pay out. There are also packages that have annual and per-condition restrictions. 

The following are the other type of insurance available: 

Time limited pet insurance

This covers vet bills for a year or up to the policy's limit, whichever comes first. After that, you'll be on your own to cover the costs. This 12-month time limit does not apply to maximum benefit and lifetime policies.

Accident only pet insurance

This policy will protect your animal in the event of an accident, but it will not provide coverage for long-term diseases.

What you will need for a quote

You only need a few basic details to get a quote for maximum benefit pet insurance, they mostly involve your pet but sometimes insurers will ask for details about you, for instance, your postcode. Here is what they are likely to ask from you:

  • Age and breed of your pet
  • Pre-existing medical conditions
  • If your pet is microchipped or not
  • Whether your pet has been neutered or spayed


What is maximum benefit pet Insurance?

For as long as the plan is in effect, maximum benefit pet insurance covers any new medical condition up to the cover limit. Allowing you to file a claim for an approved illness more than once per year.

Which is best for my pet, maximum benefit or lifetime cover?

Maximum benefit policies provide a one-time, fixed amount per condition with no time limit, whereas lifetime cover provides a fixed amount per condition that resets each year when you renew your policy.

Lifetime policies are normally more expensive than maximum benefit policies because they provide more comprehensive coverage. In the end, only you can decide whether or not it's worthwhile.

Can I get any other help for treatment costs?

The People's Dispensary for Sick Animals (PDSA) and Blue Cross provide free veterinarian care to animals whose owners are on minimal income or receive means-tested benefits.

Dogs Trust and Cats Protection both provide financial assistance for neutering and castration, and the RSPCA may be able to assist with vaccinations. Other sorts of veterinary treatment, on the other hand, are usually not covered.

Where can I get a quote?

Once you have gathered all the necessary information regarding your pet, you can compare reputable insurers on Quidco Compare, and receive cashback.