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Maximum Benefit pet insurance for dogs and cats

Cover that provides protection for your pet in the event of an accident or illness up to a pre-set limit with no time restrictions.

About our Maximum Benefit pet cover

Every pet owner wants their cat or dog to be able to enjoy their life free of any pain or discomfort, which sometimes means having to manage an ongoing condition. However, if you have to pay for treatment over a long period - perhaps for the rest of your pet’s life - out of your own pocket, the costs can quickly rack up. Maximum Benefit insurance covers your cat or dog for each condition that develops whilst the policy is active, up to a specified pre-set limit.

Cover available from 4 weeks old

No upper age limit for senior pets

97% of claims
paid in just
5 working days

Over 20 years’ experience in pet insurance

How it works

You can claim per condition throughout the period your pet remains insured with a Maximum Benefit pet insurance policy until the benefit limit is exhausted. No further cover will be provided for that particular health issue once the limit is reached, even for future renewals. In other words, you can keep claiming for the same condition, year after year, providing you stay within the treatment limit.

When to buy

Like most pet insurance policies, the earlier you purchase cover in a pet’s life the more protection you will have as they grow. Not as comprehensive as our Lifetime (Reinstatement) policies, Maximum Benefit pet insurance offers cover at a lower cost and can be an affordable option where a Lifetime insurance plan doesn’t meet the pet’s needs, perhaps due to old age or medical history.

Making a claim

Simply download a claims form from our website or by logging into your Perfect Pet account. Once returned to us, we will keep you informed of your claim’s progress. If your vet accepts direct payment, we can deposit funds straight into their account, saving you the hassle of having to arrange payment for big vet bills during a stressful time (Subject to claim approval).

Dog Insurance

Maximum Benefit

Dog Insurance

If you’re unsure how you would cover the costs of treating your dog should they develop a chronic condition, Maximum Benefit pet insurance removes some of that doubt. With no time limit on claiming for the same condition - provided that you keep renewing your policy - you will have peace of mind that you can keep giving your dog the care it needs.

Learn more about Dog Insurance
Cat Insurance

Maximum Benefit

Cat Insurance

No cat owner should have to make a judgement call on how much their pet is worth should they require expensive or long-term treatment. Without the right insurance in place, however, that’s exactly what some unfortunate owners have to do. Our Maximum Benefit insurance for cats gives you a healthy benefit limit to play with for each condition your pet develops, which hopefully means you’re never in that position.

Learn more about Cat Insurance

Included with our Maximum Benefit pet insurance policies?

We offer two different cover levels, Vital and Vital Extra. Here is a summary of what’s included:

Benefits:Vital Benefit limit per claim:Vital Extra Benefit Limit per claim:
Vet Fees
We will provide cover for treatment carried out by a Vet that treats an Illness or Accidental Injury suffered by Your pet whilst insured with us.
Third Party Liability
Third party liability provides cover for damages and legal costs where You are found liable in the event Your dog causes death, injury or property damage.
Death from Illness/Accidental Injury
Depending on the age of your pet, we may pay a contribution towards the original purchase price or donation price of Your pet if they die or are put to sleep by Your Vet during the Period of Insurance as a result of an Illness or Accidental Injury.
Overseas Holiday Cover
Oversea Holiday cover provides insurance if Your pet needs emergency Vet Treatment as a result of an Accidental Injury or Illness that first showed Clinical Signs or Symptoms during Your Holiday. This will be dependent on the location and the length of your holiday.
Holiday Cancellation
Holiday cancellation provides cover for the costs incurred in the cancellation of Your pre-booked Holiday of longer than three overnight stays outside the United Kingdom should Your pet need emergency life-saving treatment.
Theft or Straying
Dependent on the age of your pet, we offer cover if your pet is lost or stolen. We may pay a contribution towards the original purchase price or donation price of Your pet if they are lost or stolen during the Period of Insurance and Your pet is not found within 45 days of being lost or stolen.
Advertising and Reward
We will pay the cost of advertising and offering any reward costs should Your pet be lost or stolen.
Emergency Boarding (Kennel/Cattery) Fees
We will provide cover for the costs of boarding Your pet in a licensed boarding kennels or cattery or pet minding business in the event that you need to stay in hospital unplanned for more than 4 consecutive nights.
The amount payable by You towards each and every claim, and as further detailed in Your Schedule.
£90 per claim except for Third Party Liability claims where an excess of £250 per claim applies.£90 per claim except for Third Party Liability claims where an excess of £250 per claim applies.

There when I
need them!

“I’ve been with Perfect Pet for 6 years now and I have used them several times for treatment of my Daschund, Daxter. Never had any problems with payments to the vets. So I am very grateful to Perfect Pet as they have been there without failure when I needed them.”


Maximum Benefit or Lifetime pet insurance,
what’s the difference?

While Maximum Benefit cover puts a cap on how much you can claim for each condition your pet needs treatment for, the limit per condition on Lifetime cover resets when you renew your policy each year. Once you reach your limit per condition with Maximum Benefit you can no longer claim but with Lifetime cover, protection is on-going.

Things you should know about Maximum Benefit pet cover

When choosing pet insurance, it’s important to make the right decision for your pet, budget and circumstance. So that you know where you stand when buying Perfect Pet Maximum Benefit insurance, here are a few important things to be aware of:

New Customers

New Customers

When taking out a Perfect Pet Maximum Benefit policy for the first time, a 14-day waiting period at the start of your policy will apply. This means that any diagnosed illnesses or noted symptoms made during this period will not be covered. Cover for accidents will become active after 5 days.

Policy Renewal

Policy Renewal

When you renew your Maximum Benefit pet insurance policy, providing you do not have a break in cover, you will not be subject to any waiting periods and will have continuous cover. We will remind you 21 days before your policy expires. If you agree to Continuous Payment Authority (CPA), we will renew your policy automatically unless you tell us otherwise.



To help keep premiums competitive for senior pets, when your dog is 8 years or older and a cat 10 years or older, a contribution towards each vet bill is payable, known as a co-payment. The co-payment amount is 15% in addition to any applicable excess, which will be deducted from the policy limit. At 15% our co-payment amount is one of the lowest around!

Policy Exclusions

Policy Exclusions

Conditions and symptoms that exist before taking out a Maximum Benefit pet insurance plan are excluded. This exclusion also applies to conditions that develop and are related in any way to a pre-existing condition. Other exclusions include costs of routine vaccinations and dental / oral treatment unless caused by an accidental injury. A full list of exclusions can be found in our Insurance Policy Information Document.