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Maximum benefit pet insurance

Find the pawfect insurance for your furry friend for when they need it most. Discover everything you need to know about maximum benefit pet insurance. Provided by Pinnacle Insurance plc.

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What is maximum benefit pet insurance?

Whether you’ve had pets all your life or are welcoming your first pet into your home, you’ll want what’s best for your furry housemate. That’s why it’s important to think about pet insurance.

Dogs and cats love to play and accidents can happen. And, of course, they can get ill – just like us. It's at times like this that maximum benefit cover, also known as max benefit pet insurance, can help give you peace of mind.

With maximum benefit insurance, you can claim vet fees per condition during the lifetime of your policy, up to the policy limit.

If you choose Sainsbury’s Bank Maximum Benefit Pet Insurance, you’ll also get:

  • 24/7 advice from the Sainsbury’s Bank Vet Assistance helpline
  • A discount for every pet you insure with our multi-pet offer †
  • Additional discount for Nectar members *

What does our maximum benefit pet insurance cover?

With our maximum benefit cover you can claim for the same condition multiple times up to your chosen policy limit. If you reach the limit for one condition you will still be covered for any different conditions that your pet may develop over the course of your policy.

Simply choose the level of cover – either a maximum limit of £3,000 or £6,000. Find the right policy for you and your pets.
Benefit Covers up to max amount per condition
Maximum benefit £3,000 Maximum benefit £6,000
Treatment period unlimited unlimited
Treatment basis per condition per condition
Veterinary fees
Veterinary helpline
Additional benefits
Holiday cover

Veterinary fees can include:

Benefit Covers up to the maximum amount per condition
Maximum benefit £3,000 Maximum benefit £6,000
Dental Cover up to £3,000 up to £6,000
Complementary Treatment up to £1,500 up to £1,500
Physiotherapy up to £1,500 up to £1,500
Behavioural illnesses
(excludes the cost of any damage to your home)
up to £3,000 up to £6,000
Overseas veterinary treatment up to £3,000 up to £6,000

Additional benefits and limits:

Benefit Covers up to the maximum amount per condition
Maximum benefit £3,000 Maximum benefit £6,000
Death from accident/injury up to £1,500 up to £1,500
Death from illness up to £1,500 up to £1,500
Cremation up to £200 up to £200
Advertising & reward (dogs must be microchipped) up to £1,500 up to £1,500
Theft or straying (dogs must be microchipped) up to £1,500 up to £1,500
Emergency boarding kennel fees (if you're ill/injured for over 48hrs) up to £1,500 up to £1,500
3rd party liability (dogs only) up to £2 million up to £2 million

Holiday travel cover:

Benefit Covers up to max amount below each year
Maximum benefit £3,000 Maximum benefit £6,000
Holiday cancellation up to £1,500 up to £1,500
Quarantine costs up to £1,500 up to £1,500
Loss of healthcare cert up to £250 up to £250
Emergency expenses abroad up to £1,500 up to £1,500

Please note that we won't cover any pre-existing conditions and that terms, conditions, excesses, exclusions and limitations apply. You can find out more about the terms of our cover in our policy documents.

Should I get maximum benefit or lifetime pet insurance?

Choosing between maximum benefit or lifetime pet insurance can seem confusing, but it gets a lot easier once you know the differences. Our lifetime insurance helps cover the cost of treatment, even for recurring conditions and illnesses, for as long as your pet needs it.

With maximum benefit you can claim up to a maximum amount for vet fees per condition during the lifetime of the policy. After this limit is reached, that condition will no longer be covered.

When considering if maximum benefit or lifetime pet insurance is worth it for, you need to consider what your pet’s conditions are. For example, if your pet has a long-term illness that may rack up vet fees, you may be better suited to lifetime insurance. But if your furry friend needs on-going medication, such as steroids, maximum benefit will help cover these costs.

To find out more about what the difference between max benefit and lifetime pet

Any questions?

We understand how important it is to make the right decision on pet insurance. To help you get all the information you need, our FAQs list the most popular questions that pet owners ask – as well as others that aren’t so common.



What is better – maximum benefit or lifetime pet insurance?

To find out if maximum benefit or lifetime pet insurance is best for you, you need to understand the difference between them.

Maximum benefit insurance will cover any pet condition your pet suffers up to a one-time maximum amount. Lifetime pet insurance does the same, but resets each year

What does maximum benefit mean in pet insurance?

Maximum benefit means your pet will be covered per condition up to a set amount. These policies don’t have a time limit on reaching the maximum benefit, so long as you renew your policy year-on-year.

How much does maximum benefit pet insurance cover me for?

With Sainsbury’s Bank Pet Insurance, we offer two levels of maximum benefit pet insurance: Up to £3,000 or up to £6,000 per condition.

What is the excess for a maximum benefit pet insurance policy?

Depending on your policy and the age of your pet, your excess could change. Usually, the payable excess will be 20% of your claim, or £99, whichever is highest.

Should I get maximum benefit or lifetime pet insurance?

This depends on your pets and your own circumstances. Maximum benefit pet insurance can be cheaper than lifetime pet insurance, but if your pet has recurring conditions and illnesses then lifetime may be better suited. 

If your pet needs on-going medication, then maximum benefit could be a better choice. Remember, once the maximum benefit is reached for a condition, it will no longer be covered

Handy guides for pet owners

Cats and dogs come in all shapes, sizes and personalities. We all want our pets to be happy and healthy, that’s why our guides cover everything from fun facts to healthcare.

Pet guides

All pet guides

Curious about your pet’s habits?

Pet guides

Pet insurance explained

Jargon free glossary of common pet insurance terms

Pet guides

Happy home, happy pet

Top tips for making a pet-friendly home

Need to talk to us?

If you can’t find the answers you need on our help and support page opens in new window, or if you’d prefer to speak to someone directly, just get in touch.

Terms and conditions

* Guaranteed discount for Nectar members: The discount is based on information related to you and the transactions you've made with Sainsbury's supermarkets and Sainsbury's Bank using your Nectar card. For more information go to

† 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 for each pet on a policy. Pets can have different cover levels. Discount deducted separately from any other offer.

Important information
Sainsbury's Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England and Wales, no. 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (register no. 184514). Sainsbury's Supermarkets Ltd is an appointed representative of Sainsbury's Bank plc.
Sainsbury's Bank plc acts as an introducer to Pinnacle Insurance plc who is 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. Sainsbury’s Bank plc and Pinnacle Insurance plc are not part of the same corporate group.