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Max Benefit dog insurance Max Benefit dog insurance Max Benefit dog insurance

Max Benefit dog insurance

Covers vet fees for accidents, illnesses and conditions with no time restrictions

What this insurance policy covers

Our Max Benefit 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 condition’s claim limit is reached, you will not be able to claim for that condition again.

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 dog 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.

START MY QUOTE Excluded breeds list

Further details are available in our policy documents:

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 you online account to view these.

Cover amounts

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 live, costs up to the cover level can be claimed in as short or long a time period as you need.

These policies also include additional benefits such as cover for if your dog 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.

Not sure how much cover you need? See typical treatment costs for dogs. See typical treatment costs for dogs

Cover type
Lifetime condition
limit
Annual condition
limit
Annual policy
limit
Vet excess
Lifetime condition limit£1,000
Annual condition limitN/A
Annual policy limitN/A

Additional Benefits

If your pet injures someone or damages their property.
£2.00m
If your pet dies or is put to sleep.
£500
If you need to cancel or cut short a holiday because your pet needs urgent medical care.
£1,000
If your pet goes missing or is stolen.
£500
Transport costs if your pet needs treatment at another vet or hospital.
If your pet causes accidental damage in someone else’s home.
Advertising & Reward
£200
If your pet needs to go into a cattery or kennel because you’re in hospital.
£500
If your pet needs urgent medical care abroad.
£1,500
For a dog walker or a minder for your dog, because you're in hospital.
£100
Lifetime condition limit£2,000
Annual condition limitN/A
Annual policy limitN/A

Additional Benefits

If your pet injures someone or damages their property.
£2.00m
If your pet dies or is put to sleep.
£750
If you need to cancel or cut short a holiday because your pet needs urgent medical care.
£1,000
If your pet goes missing or is stolen.
£750
Transport costs if your pet needs treatment at another vet or hospital.
If your pet causes accidental damage in someone else’s home.
Advertising & Reward
£200
If your pet needs to go into a cattery or kennel because you’re in hospital.
£750
If your pet needs urgent medical care abroad.
£2,000
For a dog walker or a minder for your dog, because you're in hospital.
£100
Insurance Product Information Document
Lifetime condition limit£4,000
Annual condition limitN/A
Annual policy limitN/A

Additional Benefits

If your pet injures someone or damages their property.
£2.00m
If your pet dies or is put to sleep.
£1,000
If you need to cancel or cut short a holiday because your pet needs urgent medical care.
£1,500
If your pet goes missing or is stolen.
£1,000
Transport costs if your pet needs treatment at another vet or hospital.
If your pet causes accidental damage in someone else’s home.
Advertising & Reward
£200
If your pet needs to go into a cattery or kennel because you’re in hospital.
£1,000
If your pet needs urgent medical care abroad.
£2,000
For a dog walker or a minder for your dog, because you're in hospital.
£100
Insurance Product Information Document

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

If your dog has been injured before, this is known as a pre-existing condition.

Any injuries or conditions caused by an accident your dog had before you took out this policy will be considered as a pre-existing condition. We are unable to provide cover for any pre-existing conditions, whether they needed treatment previously or not.

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How much cover do I need?

Vet fees vary from practice to practice, so to give you an idea of what to expect here’s a list of Animal Friends’ average vet fee claims for some of the most common dog treatments.

The below table shows the average cost of vet fees claims per condition submitted to Animal Friends Insurance in 2020. To make this information more specific to your dog we’ve grouped dogs into sizes, ranging from Miniature to Giant. This is based on the top 10 breeds insured with us per size group, and the 15 most common conditions claimed for by our customers, for each size, in 2020.

Please review the information you feel is most relevant to the size of your dog. It's important to consider that vet fees can vary based on your location, the age of your pet, and the severity of the condition.

Miniature dogs
Up to 5kg

Condition
Cruciate ligament damage
Luxating Patella
Diabetes
Cushings Disease
Pancreatitis
Lameness
Seizures
Tumour
Vomiting
Heart Disease
Gastroenteritis
Eye Ulcer
Skin Disease
Toxic Ingestion
Otitis
Average cost
£1,753.00
£1,725.00
£1,292.00
£1,137.00
£1,005.00
£935.00
£887.00
£799.00
£792.00
£760.00
£752.00
£714.00
£596.00
£546.00
£517.00
Condition
Cruciate ligament damage
Diabetes
Pancreatitis
Lameness
Heart Disease
Seizures
Gastroenteritis
Tumour
Vomiting
Eye Ulcer
Foreign Body
Heart Murmur
Skin Disease
Toxic Ingestion
Otitis
Average cost
£1,761.00
£1,279.00
£1,143.00
£931.00
£858.00
£852.00
£826.00
£784.00
£764.00
£759.00
£753.00
£736.00
£598.00
£516.00
£475.00
Condition
Cruciate ligament damage
Pancreatitis
Lameness
Foreign Body
Seizures
Tumour
Gastroenteritis
Eye Ulcer
Vomiting
Allergies
Skin Disease
Otitis
Osteoarthritis
Wound
Toxic Ingestion
Average cost
£2,021.00
£1,114.00
£988.00
£915.00
£902.00
£856.00
£834.00
£828.00
£819.00
£753.00
£716.00
£608.00
£552.00
£541.00
£533.00
Condition
Cruciate ligament damage
Mast Cell Tumour
Foreign Body
Lameness
Skin Disease
Tumour
Seizures
Allergies
Vomiting
Gastroenteritis
Eye Ulcer
Osteoarthritis
Wound
Otitis
Toxic Ingestion
Average cost
£2,505.00
£1,369.00
£1,242.00
£1,121.00
£1,070.00
£921.00
£907.00
£881.00
£858.00
£848.00
£828.00
£681.00
£594.00
£551.00
£540.00
Condition
Cruciate ligament damage
Luxating Patella
Diabetes
Cushings Disease
Pancreatitis
Lameness
Seizures
Tumour
Vomiting
Heart Disease
Gastroenteritis
Eye Ulcer
Skin Disease
Toxic Ingestion
Otitis
Average cost
£2,894.00
£1,832.00
£1,371.00
£1,201.00
£1,086.00
£1,061.00
£1,030.00
£1,016.00
£940.00
£893.00
£866.00
£817.00
£699.00
£607.00
£554.00

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