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 Pet Insurance:  Maximum Benefit Policies

I tend to liken this type of policy to a “pot of gold”…it seems valuable on first appearance, but when it’s gone, it’s gone!  Essentially with this type of policy, your cat has a fixed maximum amount of money claimable for each injury or illness. It is really important to clarify with an insurer how much has been specified for veterinary fees (ie the “maximum benefit”) and whether this amount is reinstated each year, particularly if a claim is made.  

These policies essentially mean that your cat is insured for a condition until the financial limit is reached (ie usually without a set time limit).  The downside of these policies is that some conditions can be very costly and go on to affect your pet for many years (eg diabetes, skin problems) meaning that the “pot of gold” runs out sooner than you might have expected. You are thereafter left to pay from your own pocket.

EXAMPLE
With the example of Molly the diabetic from the previous policy type, she may have a specific amount of money allocated to her condition but if she uses that money up in the first 18 months of treatment, then her owner will still be responsible for paying any veterinary fees related to the diabetes thereafter.

eg Direct Line, Sainburys etc


SEE THE OTHER POLICY TYPES


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Information on this website is designed for cats registered under my care. ​It should not replace the advice & treatment from your own vet.  If you are at all concerned about the health of your cat you should contact them in the first instance.

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WEBSITE AND CONTENT DESIGNED BY  THE CAT VET LTD      COPYRIGHT 2010-2020

  • The Cat Vet
  • Home Visiting Clinic
    • Welcome & About
    • Meet the Team
    • Area Covered
    • Services
    • Emergencies
    • Appointments
    • Testimonials
    • CLINIC FAQ
    • Petplan Vet Awards Nominations
  • Expert Advice
    • Think Like A Cat
    • Health Library
    • YouTube Channel
    • Products I use
    • Paid Advice for Cats
    • Paid Advice for Vets - How to start your own mobile cat clinic
  • The Scratching Post
    • Lost A Cat
    • Found A Cat or Feeding A Stray Cat?
    • Pet Insurance
    • Local Cat Services
  • Jo Blogs
  • Contact
    • Home Visiting Clinic
    • Interested Vets
    • Press / Media