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*
  • We'll double your Nectar points on Sainsbury's shopping and fuel**

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 Maximum benefit £3,000 Maximum benefit £6,000
Covers up to the maximum amount per condition
Treatment period unlimited unlimited
Treatment basis per condition per condition
Veterinary fees tick tick
Veterinary helpline tick tick
Additional benefits tick tick
Holiday cover tick tick

Benefit Maximum benefit £3,000 Maximum benefit £6,000
Covers up to the maximum amount per condition
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

Benefit Maximum benefit £3,000 Maximum benefit £6,000
Covers up to the maximum amount per condition
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/cattery fees (if you're hospitalised for over 48 hours) up to £1,500 up to £1,500
3rd party liability (dogs only) up to £2 million up to £2 million

Benefit Maximum benefit £3,000 Maximum benefit £6,000
Covers up to max amount below each year
Holiday cancellation up to £1,500 up to £1,500
Quarantine costs up to £1,500 up to £1,500
Loss of healthcare certificate 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.

Get a maximum benefit quote

Should I get maximum benefit or lifetime pet insurance?

Our lifetime insurance helps cover the cost of treatment, even for recurring conditions and illnesses, for as long as your pet needs it. Whereas 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.

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 insurance is, check out our guide to pet insurance.

Learn more


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Got 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.

Explore our FAQs

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*The discount is based on information related to you and the Sainsbury’s and Sainsbury’s Bank transactions linked to your Nectar account. For more information on how we use your data, go to sainsburysbank.co.uk/privacy.

**Double Nectar points.
1) Only available to customers buying a new Sainsbury's Bank Pet Insurance policy.
2) You need to tell us your Nectar card number when you apply; and scan or swipe that card, or input your card number, with each Sainsbury’s purchase.
3) Double points begin on your policy's cover start date. If you don't tell us your Nectar card number until after your cover start date, double points will begin on the date you tell us.
4) Double points stop when the policy is cancelled or you stop paying premiums.
5) Each Nectar account can only collect points from one pet insurance policy.
6) It’s only the base points you collect at Sainsbury’s that are doubled. Bonus points won’t be doubled, nor will any points from Argos, Habitat, Sainsbury’s Bank (including travel money purchases), Sainsbury’s Energy or any other Sainsbury’s service.
7) By the 10th of each month, you'll get a bonus point award equal to the total of your qualifying points during the previous month, up to a maximum of 20,000 points.
8) Sainsbury's Supermarkets Ltd award the points from this offer. No cash alternative is available.
9) We reserve the right to change or cancel this offer without notice.

†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.