Maximum Benefit Pet Insurance

Provided by Pinnacle Insurance plc

If you’re looking to protect your cat or dog with pet insurance, Maximum Benefit Pet Insurance could have the level of cover you’re looking for. Protect your puppy or kitten from 8 weeks old and any time they come down with a new condition, Max Benefit can be there to help care for your furry friend.

Along with helping to look after your pet’s veterinary fees, our Maximum Benefit Insurance policies include 24/7 access to vet nurses whenever you need advice about your pet’s well-being and additional benefits to help when your pet needs it most. It is important to note that there are upper age limits when taking out a new policy.

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Collage image that includes a close-up images of kittens along with the quote 'Kitten cover from £2000'

 

Why choose Maximum Benefit Pet Insurance

Two cover levels to choose from across Cat and Dog Insurance

Vet fees and a full range of benefits included as standard

24/7 access to qualified vet nurses with Argos Vet Assistance

Manage your policy in one place with the Argos Pet Portal

A well-behaved Spaniel puppy sitting down

What does Max Benefit Pet Insurance mean?

Pet insurance can be tricky to get your head around at the best of times, so here’s Max Benefit Pet Insurance explained. Maximum Benefit or Max Benefit or Per Condition Pet Insurance, as it’s sometimes known, is just that, a per condition pet insurance that covers each condition separately up to a set amount – the maximum benefit.

What that means to you as a pet owner is that if your pet was unfortunate enough to suffer from 3 different conditions at a time, that’s 3 claims and 3 different maximum benefits to spend on vet bills and treatment costs. Even though the vet fee limit doesn’t reset annually, your maximum benefit pot is there to spend on each condition when you need it, until you’ve used it all.

This means that if your pet suffered from the same condition more than once, and you still had some of your benefit left, you can spend it on the condition until you’ve reached the maximum amount. Once you’ve used up a single conditions benefit, you won’t be able to claim for that condition again, and you’ll need to cover the costs if your pet suffers the condition again.

What is included with Max Benefit Cover?

Argos offer 2 levels of Max Benefit Cover, giving you either £2,000 or £5,000 to spend per condition, at any time, until that limit has been spent. On top of the veterinary fees included in our Max Benefit policies, there is also a full range of features to make use of.

Included with every policy is 24/7 access to our pet advice service Argos Vet Assistance. If you ever need a little pet peace of mind, our vet nurses are on hand to help you with advice on everything from everyday pet care to bereavement counselling. Pet ownership has a lot of ups and downs, and our policy features are there for you throughout your pet’s life.

Got a question?

Need help or support when it come to your pet insurance, or just need a question answering? Our FAQs and support are there for you when you need them.

Visit our FAQs

Compare Maximum Benefit Pet Insurance cover

There are only two Maximum Benefit cover levels to choose from, so this makes comparing them easy but you should think about other types of insurance The comparison table below includes all our cover types and features so you can draw comparison side by side. So if you have a dog that’s a bit of a flight risk and has a habit of wandering off, it’s good to know how much you can claim for to find your dog.

Time Limited
Lifetime
Maximum Benefit

Cover for 12 months or up to max amount, whichever occurs first…
Policy Documents

Benefits
£2.5k £4k
Veterinary Fees
Up to £2.5k
per condition
for 12 months
Up to £4k
per condition
for 12 months
Argos Vet Assistance
Argos Pet Portal
Death from illness
Up to £250 Up to £750
Death from Accident
Up to £250 Up to £750
Finding your Dog
Up to £250 Up to £750
Loss by theft or straying
Up to £250 Up to £750
Third party liability and legal costs
Up to £2m Up to £2m
Cremation & burial costs
Up to £200 Up to £200
Your Hospitalisation / Kennel fees
Up to £150 Up to £500
Holiday cancellation
Up to £250 Up to £1.5k
Emergency Expenses Abroad
Up to £150 Up to £500
Excesses Payable
£99 per condition £99 per condition
Benefits
£2.5k £4k
Veterinary Fees
Up to £2.5k
per condition
for 12 months
Up to £4k
per condition
for 12 months
Argos Vet Assistance
Argos Pet Portal
Death from illness
Up to £250 Up to £750
Death from Accident
Up to £250 Up to £750
Finding your Cat
Up to £250 Up to £750
Loss by theft or straying
Up to £250 Up to £750
Cremation & burial costs
Up to £200 Up to £200
Your Hospitalisation / Cattery fees
Up to £150 Up to £500
Holiday cancellation
Up to £250 Up to £1.5k
Emergency Expenses Abroad
Up to £150 Up to £500
Excesses Payable
£99 per condition £99 per condition

Covers up to max amount each year…
Policy Documents

Benefits
£2k £4.5k £7k
Veterinary Fees
Up to £2k
per year
Up to £4.5k
per year
Up to £7k
per year
Argos Vet Assistance
Argos Pet Portal
Death from illness
Up to £750 Up to £750 Up to £1.5k
Death from Accident
Up to £750 Up to £750 Up to £1.5k
Finding your Dog
Up to £750 Up to £750 Up to £1.5k
Loss by theft or straying
Up to £750 Up to £750 Up to £1.5k
Third party liability and legal costs
Up to £2m Up to £2m Up to £2m
Cremation & burial costs
Up to £200 Up to £200 Up to £200
Your Hospitalisation / Kennel fees
Up to £500 Up to £500 Up to £1k
Holiday cancellation
Up to £750 Up to £750 Up to £3k
Emergency Expenses Abroad
Up to £500 Up to £500 Up to £1k
Excesses Payable
£99 per condition
per year
£99 per condition
per year
£99 per condition
per year
Benefits
£1k £3.5k £7k
Veterinary Fees
Up to £1k
per year
Up to £3.5k
per year
Up to £7k
per year
Argos Vet Assistance
Argos Pet Portal
Death from illness
Up to £750 Up to £750 Up to £1.5k
Death from Accident
Up to £750 Up to £750 Up to £1.5k
Finding your Cat
Up to £750 Up to £750 Up to £1.5k
Loss by theft or straying
Up to £750 Up to £750 Up to £1.5k
Cremation & burial costs
Up to £200 Up to £200 Up to £200
Your Hospitalisation / Cattery fees
Up to £500 Up to £500 Up to £1k
Holiday cancellation
Up to £750 Up to £750 Up to £3k
Emergency Expenses Abroad
Up to £500 Up to £500 Up to £1k
Excesses Payable
£99 per condition
per year
£99 per condition
per year
£99 per condition
per year

Covers up to a max amount per condition…
Policy Documents

Benefits
£2k £5k
Veterinary Fees
Up to £2k
per condition
Up to £5k
per condition
Argos Vet Assistance
Argos Pet Portal
Death from illness
Up to £750 Up to £750
Death from Accident
Up to £750 Up to £750
Finding your Dog
Up to £750 Up to £750
Loss by theft or straying
Up to £750 Up to £750
Third party liability and legal costs
Up to £2m Up to £2m
Cremation & burial costs
Up to £200 Up to £200
Your Hospitalisation / Kennel fees
Up to £500 Up to £500
Holiday cancellation
Up to £750 Up to £750
Emergency Expenses Abroad
Up to £500 Up to £500
Excesses Payable
£99 per condition £99 per condition
Benefits
£2k £5k
Veterinary Fees
Up to £2k
per condition
Up to £5k
per condition
Argos Vet Assistance
Argos Pet Portal
Death from illness
Up to £750 Up to £750
Death from Accident
Up to £750 Up to £750
Finding your Cat
Up to £750 Up to £750
Loss by theft or straying
Up to £750 Up to £750
Cremation & burial costs
Up to £200 Up to £200
Your Hospitalisation / Cattery fees
Up to £500 Up to £500
Holiday cancellation
Up to £750 Up to £750
Emergency Expenses Abroad
Up to £500 Up to £500
Excesses Payable
£99 per condition £99 per condition

Time Limited

Cover for 12 months or up to max amount, whichever occurs first…

Lifetime

Covers up to max amount each year…

Maximum Benefit

Covers up to a max amount per condition…

Benefits Benefits Benefits
£2.5k £4k £2k £4.5k £7k £2k £5k
Veterinary Fees Veterinary Fees Veterinary Fees
Up to £2.5k
per condition
for 12 months
Up to £4k
per condition
for 12 months
Up to £2k
per year
Up to £4.5k
per year
Up to £7k
per year
Up to £2k
per condition
Up to £5k
per condition
Argos Vet Assistance Argos Vet Assistance Argos Vet Assistance
Argos Pet Portal Argos Pet Portal Argos Pet Portal
Death from illness Death from illness Death from illness
Up to £250 Up to £750 Up to £750 Up to £750 Up to £1.5k Up to £750 Up to £750
Death from Accident Death from Accident Death from Accident
Up to £250 Up to £750 Up to £750 Up to £750 Up to £1.5k Up to £750 Up to £750
Finding your Dog Finding your Dog Finding your Dog
Up to £250 Up to £750 Up to £750 Up to £750 Up to £1.5k Up to £750 Up to £750
Loss by theft or straying Loss by theft or straying Loss by theft or straying
Up to £250 Up to £750 Up to £750 Up to £750 Up to £1.5k Up to £750 Up to £750
Third party liability and legal costs Third party liability and legal costs Third party liability and legal costs
Up to £2m Up to £2m Up to £2m Up to £2m Up to £2m Up to £2m Up to £2m
Cremation & burial costs Cremation & burial costs Cremation & burial costs
Up to £200 Up to £200 Up to £200 Up to £200 Up to £200 Up to £200 Up to £200
Your Hospitalisation / Kennel fees Your Hospitalisation / Kennel fees Your Hospitalisation / Kennel fees
Up to £150 Up to £500 Up to £500 Up to £500 Up to £1k Up to £500 Up to £500
Holiday cancellation Holiday cancellation Holiday cancellation
Up to £250 Up to £1.5k Up to £750 Up to £750 Up to £3k Up to £750 Up to £750
Emergency Expenses Abroad Emergency Expenses Abroad Emergency Expenses Abroad
Up to £150 Up to £500 Up to £500 Up to £500 Up to £1k Up to £500 Up to £500
Excesses Payable Excesses Payable Excesses Payable
£99 per condition £99 per condition £99 per condition
per year
£99 per condition
per year
£99 per condition
per year
£99 per condition £99 per condition
Benefits Benefits Benefits
£2.5k £4k £1k £3.5k £7k £2k £5k
Veterinary Fees Veterinary Fees Veterinary Fees
Up to £2.5k
per condition
for 12 months
Up to £4k
per condition
for 12 months
Up to £1k
per year
Up to £3.5k
per year
Up to £7k
per year
Up to £2k
per condition
Up to £5k
per condition
Argos Vet Assistance Argos Vet Assistance Argos Vet Assistance
Argos Pet Portal Argos Pet Portal Argos Pet Portal
Death from illness Death from illness Death from illness
Up to £250 Up to £750 Up to £750 Up to £750 Up to £1.5k Up to £750 Up to £750
Death from Accident Death from Accident Death from Accident
Up to £250 Up to £750 Up to £750 Up to £750 Up to £1.5k Up to £750 Up to £750
Finding your Cat Finding your Cat Finding your Cat
Up to £250 Up to £750 Up to £750 Up to £750 Up to £1k Up to £750 Up to £750
Loss by theft or straying Loss by theft or straying Loss by theft or straying
Up to £250 Up to £750 Up to £750 Up to £750 Up to £1.5k Up to £750 Up to £750
Cremation & burial costs Cremation & burial costs Cremation & burial costs
Up to £200 Up to £200 Up to £200 Up to £200 Up to £200 Up to £200 Up to £200
Your Hospitalisation / Cattery fees Your Hospitalisation / Cattery fees Your Hospitalisation / Cattery fees
Up to £150 Up to £500 Up to £500 Up to £500 Up to £1k Up to £500 Up to £500
Holiday cancellation Holiday cancellation Holiday cancellation
Up to £250 Up to £1.5k Up to £750 Up to £750 Up to £3k Up to £750 Up to £750
Emergency Expenses Abroad Emergency Expenses Abroad Emergency Expenses Abroad
Up to £150 Up to £500 Up to £500 Up to £500 Up to £1k Up to £500 Up to £500
Excesses Payable Excesses Payable Excesses Payable
£99 per condition £99 per condition £99 per condition
per year
£99 per condition
per year
£99 per condition
per year
£99 per condition £99 per condition

Other Excesses

When your dog reaches 8 years old (for restricted breeds of dog this is 5 years) your excess will change from £99 to the greater of £99 or 20%
contribution toward each vet claim made. Please find further information on restricted breeds here.

When your cat reaches 10 years old your excess will change from £99 to the greater of £99 or 20% contribution toward each vet claim made.

Please note that we won’t cover any pre-existing conditions and that terms, conditions, excesses, exclusions and limitations apply. Also, you should note that there is a £100 excess for Third Party Liability. Please note these values are subject to change. You can find out more about the terms of our cover in our policy documents.

Max Benefit or Lifetime Pet Insurance?

Comparing between Maximum Benefit cover levels, is, on the face of it, pretty straightforward, but what about in terms of other types of pet insurance. Argos Pet Insurance offers you three types of cover to choose from, but which one is right for you? Lifetime or Max Benefit Pet Insurance or Time Limited cover?

Before you make your choice, do a bit of research and understand each cover type and what that would mean for your cat or dog. Lifetime Insurance is comprehensive cover where you don’t need to worry about your vet fee limit running out, because it renews every year. Time Limited on the other hand also has the set vet fee limit. However, after 12 months from that first treatment, or if you reach the limit first, you won’t be able to claim for that condition again.

Frequently asked questions

How does Max Benefit Pet Insurance work?

Maximum Benefit works like a lot of other types of pet insurance, your pet takes a tumble or falls ill, receives vet treatment resulting in your need to make a claim. Every condition you make a claim for has its own vet fee limit, the maximum benefit.

From that benefit, if your pet suffers the same condition, as long as you haven’t maxed the limit out, you can continue to make claims for that condition. And you can have multiple claims for multiple conditions running at any one time too.

However, when you do reach the benefit limit for an individual condition, you won’t be able to claim for it again. If your pet suffered a relapse of an injury or illness which was on the excluded list, you would need to pay for the treatment.

What are the ins and outs of Max Benefit?

There are similarities across the different types of pet insurance, but how does Maximum Benefit hold up?

Individual conditions have their own vet fee limit

No time limits on conditions

Cover can be more affordable compared to Lifetime cover

Ideal for accidents and short-term illnesses

  • Conditions are excluded once the per condition vet fee limit has been reached
  • Pre-existing conditions are not covered
  • Routine care like vaccinations or procedures like neutering are not covered

Should I get Maximum Benefit Pet Insurance?

We can’t make recommendations as to which pet insurance you should get, that decision is yours. We can help you understand which will tick the right boxes for you and your pet. And that’s hugely important. All-singing and dancing cover may seem like the best, but it could be expensive, and your pet may not need a high level of cover.

Maximum Benefit could be the pet insurance for you if you think about it in terms of you and your pet. It will cover the accidents and short-term illnesses but may not work out if your pet develops a long-term illness, which requires a lot of treatment over the years.

Think about your pet and their medical history, if they’re a puppy or a kitten, do a bit of breed research and find out if the breed is prone to any long-term health issues. Then think about how much Maximum Benefit will cost now and possibly in the future, your premiums will go up every year. If you can tick all the boxes, then perhaps Maximum Benefit is the right cover for you and your pet.

You should be aware that your premiums will go up every year, and some of the rises can be significant. We’re not making a recommendation, just giving you all the information on all the different covers so you can make the choice.

Terms and Conditions

Multi-pet discount is a minimum of £24 when insuring more than one pet as this is worked out at £1 per pet per month. Pets can have different cover levels. Discount deducted separately from any other offer.

Argos Limited is an Appointed Representative of Home Retail Group Insurance Services Limited (HIS). HIS is authorised and regulated by the Financial Conduct Authority (register number 314050). Registered office: 489-499 Avebury Boulevard, Milton Keynes, MK9 2NW (registered in England and Wales, no 04109436).  HIS act as an introducer to Pinnacle Insurance plc, who sell, administer and underwrite the policy and who are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register number 110866). Registered office: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire, WD6 2XX (registered in England and Wales, no 01007798) . HIS and Pinnacle Insurance plc are not part of the same corporate group.