Compare Perfect Pet insurance products
Perfect Pet offers a range of insurance products, from lifetime cover to accident only. There are tiered coverage options within three of four types of Perfect Pet’s insurance.
Perfect Pet Insurance
Perfect Pet Insurance provides reliable and comprehensive pet insurance policies designed to meet the varying needs of pet owners. They focus on offering flexible coverage options and affordable pricing, ensuring that pets receive the care they need without breaking the bank.
Their plans are designed to cater to different budgets and pet care needs, providing peace of mind when it comes to unexpected veterinary expenses.
Trusted by 100s of pet owners
0.7
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8.0
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8300
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Up to
£5,000
Vet fee cover
Insurance products by Perfect Pet Insurance
Lifetime pet insurance
Perfect Pet offers lifetime coverage, making sure that your dog and/or cat is protected against new illnesses each year as long as you renew the policy. This comprehensive cover is ideal for long-term health conditions, providing financial support for ongoing treatments.
Perfect Pet also offers free vet advice over the phone through Vet Assist to holders of Lifetime, Maximum Benefit or Time-Limited cover.
What levels of cover are available?
Customers can choose from four types of annual coverage:
Lifetime Cover
- Elite
- Elite Extra
- Elite Extra Plus
Maximum Benefit Cover
Time Limited Cover
Accident Only Cover
What’s included with the different tiers of Lifetime Cover?
Elite:
Vet fees & complimentary therapy: up to £1,000 per condition, renewed annually.
Third party liability: up to £1.5 million per claim.
Death from accidental injury or illness: up to £500.
Holiday cover & cancellation: up to £500.
Theft, straying, & advertising: up to £500.
Elite Extra:
Vet fees & complimentary therapy: up to £4,000 per condition, renewed annually.
Third party liability: up to £2.5 million per claim.
Death from accidental injury or illness: up to £1,000.
Holiday cover & cancellation: up to £1,000.
Theft, straying, & advertising: up to £1,000.
Accidental damage: up to £1,000.
Elite Extra Plus:
Vet fees & complimentary therapy: up to £5,000 per condition, renewed annually.
Third party liability: up to £2.5 million per claim.
Death from accidental injury or illness: up to £1,000.
Holiday cover & cancellation: up to £1,250.
Theft, straying, & advertising: up to £1,250.
How does reimbursement work?
You have the option of making a claim directly through your account online, or you can download a claims form to fill out and send off.
Are there any exclusions?
Perfect Pet Insurance won’t cover treatment for:
Pre-existing conditions
Illness or accidental injury that occurs within the first 14 days of your policy
Any claims related to cruciate ligament injuries occurring within the first 14 days
Vaccine-preventable conditions
Breeding, pregnancy, or giving birth
Routine dental or oral treatments unrelated to accidental injury
Cosmetic, elective, or routine treatments, including spaying/neutering
Food costs, including prescribed diets and supplements
Time limited cover
With Perfect Pet Insurance's time-limited cover, your cat and/or dog is protected for up to 12 months per condition. This ensures you can afford necessary care during that period, providing peace of mind if your pet faces an illness or injury. After 12 months or when the benefit limit is reached, the condition will no longer be covered.
What levels of cover are available?
Customers can choose from two levels of time limited cover:
Essential
Essential Extra
What’s included?
Essential:
Vet fees & complimentary therapy: up to £1,000 per condition for a maximum of 12 months from the date of the first symptom or treatment, whichever occurs first.
Third party liability: up to £1 million per claim.
Death from accidental injury or illness: up to £250.
Overseas holiday cover: veterinary fees up to £250.
Holiday cancellation: up to £250.
Theft, straying, & advertising: up to £250.
Essential Extra:
Vet fees & complimentary therapy: up to £2,500 per condition for a maximum of 12 months from the date of the first symptom or treatment, whichever occurs first.
Third party liability: up to £1.5 million per claim.
Death from accidental injury or illness: up to £500.
Overseas holiday cover: veterinary fees up to £500.
Holiday cancellation: up to £500.
Theft, straying, & advertising: up to £500.
How does reimbursement work?
Following a simple, online claims process, Perfect Pet will either pay your vet directly or reimburse you.
Are there any exclusions?
Exclusions:
Pre-existing conditions
Illness or accidental injury within the first 14 days of the policy
Cruciate ligament issues within the first 14 days
Routine dental or oral treatments unrelated to accidental injury
Cosmetic, elective, or routine treatments, including spaying/neutering
Vaccine-preventable conditions
Breeding, pregnancy, or giving birth
Costs for food, including prescribed diets and supplements
Dental and oral treatment related to illness
Restrictions:
Coverage is only for cats and dogs
Cannot be on the excluded breeds list
Pets must reside in the UK and be owned by you
Dogs used for guarding, racing, or beating are excluded
Misrepresentation at the policy start date may void claims
Policyholders must be over 18 years of age
Maximum benefit cover
With Perfect Pet Insurance's maximum benefit cover, your cat or dog is protected up to a set limit per condition. This allows you to claim for ongoing treatment until the benefit limit is reached, giving you peace of mind that you can provide the necessary care for your pet.
What levels of cover are available?
Customers can choose from two levels of maximum benefit cover:
Vital:Vet fees & complimentary therapy: up to £1,000 per condition, renewed annually until the limit is reached.
Third party liability: up to £1 million per claim.
Death from accidental injury or illness: up to £500.
Overseas holiday cover: veterinary fees up to £500.
Holiday cancellation: up to £500.
Theft, straying, & advertising: up to £500.
Vet fees & complimentary therapy: up to £4,000 per condition, renewed annually until the limit is reached.
Third party liability: up to £1.5 million per claim.
Death from accidental injury or illness: up to £750.
Overseas holiday cover: veterinary fees up to £750.
Holiday cancellation: up to £750.
Theft, straying, & advertising: up to £750.
How does reimbursement work?
Following a simple, online claims process, Perfect Pet will either pay your vet directly or reimburse you.
Are there any exclusions?
Exclusions:
Pre-existing conditions
Illness or accidental injury within the first 14 days of the policy
Cruciate ligament issues within the first 14 days
Routine dental or oral treatments unrelated to accidental injury
Vaccine-preventable conditions
Breeding, pregnancy, or giving birth
Cosmetic, elective, or routine treatments like spaying/neutering
Food costs, including prescribed diets and supplements
Restrictions:
Coverage only for cats and dogs
Cannot be on the excluded breeds list
Pets must reside in the UK and be owned by you
Dogs used for guarding, racing, or beating are excluded
Misrepresentation at policy start date may void claims
Policyholders must be over 18 years of age
Accident only cover
With Perfect Pet's lifetime cover, your cat and/or dog is always protected, no matter what life throws their way. This provides complete peace of mind, knowing you can afford the best care for them year after year, even if they develop a long-term illness.
What levels of cover are available?
There is only one level of cover available under this policy
£1,000
What’s included?
Vet fees & complimentary therapy: up to £1,000 per condition for a maximum of 12 months from the date of the first symptom or treatment, whichever occurs first, specifically for accidental injuries.
Accidental injury only: Coverage is limited to injuries caused by accidents, and there is no coverage for illness.
How does reimbursement work?
Following a simple, online claims process, Perfect Pet will either pay your vet directly or reimburse you.
Are there any exclusions?
Perfect Pet won’t cover treatment for:
Illness or any condition unrelated to accidental injury
Pre-existing conditions
Cruciate ligament injuries
Claims resulting from your pet being medically overweight
Behavioural issue related problems
Prosthesis except for hip and elbow replacement
Routine dental and oral treatments not due to accidental injury
Cosmetic, elective, or preventive treatments
Coverage is only for cats and dogs
Pets must reside in the UK and be owned by you
Dogs used for guarding, racing, or beating are excluded
Misrepresentation at the policy start date may void claims
Policyholders must be over 18 years of age
Did you know?
Perfect Pet pays
97%
of claims!
Quotes our team received
Pet profile:
Mr Whiskers, a 5-year-old moggie with no pre-existing conditions
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Cheapest quote:
£14.32 per month
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Maximum vet fees:
£4,000 per year
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Cover from:
4 weeks
Pet profile:
Buster, a 3-year-old Border Terrier with no pre-existing conditions
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Cheapest quote:
£36.58 per month
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Maximum vet fees:
£4,000 per year
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Cover from:
4 weeks
| Feature | Accident Only | Time Limited (Essential, Essential Extra) | Maximum Benefit (Vital, Vital Extra) | Lifetime (Elite, Elite Extra, Elite Extra Plus) |
|---|---|---|---|---|
| Vet Fees |  £1,000 per condition | £1,000 - £2,500 per condition, up to 12 months | £1,000 - £4,000 per condition | £1,000 - £5,000 per condition, renews annually |
| Excess | Per condition, per year | Per condition, per year | Per condition, per year | Per condition, per year |
| Co-Payment | 15% over age threshold | 15% over age threshold | 15% over age threshold | 15% over age threshold |
| Complementary Treatment |  Not included | Up to £250 - £500 | Up to £1,000 - £1,500 | Up to £1,000 - £1,250 |
| Physiotherapy | Not included | As part of vet fee cover | As part of vet fee cover | As part of vet fee cover |
| Death from Accident/Injury | Up to £250 - £500 | Up to £500 - £1,000 | Up to £500 - £750 | Up to £500 - £1,000 |
| Death from Illness | Not included | Up to £250 - £500 | Up to £500 - £750 | Up to £500 - £1,000 |
| Advertising and Reward | Not included | Up to £250 - £500 | Up to £500 - £750 | Up to £500 - £1,250 |
| Theft or Straying | Up to £250 - £500 | Up to £250 - £500 | Up to £500 - £750 | Up to £500 - £1,250 |
| Boarding Fees | Not included | Up to £250 - £500 | Up to £500 - £750 | Up to £500 - £1,250 |
| Cremation/Burial Costs | Not included | £100 - £200 | £100 - £200 | £100 - £200 |
| Holiday Cancellation | Not included | Up to £250 - £500 | Up to £500 - £750 | Up to £500 - £1,250 |
| Third Party Liability | £1,000,000 (Dogs Only) | £1,000,000 - £1,500,000 (Dogs Only) | £1,000,000 - £1,500,000 (Dogs Only) | £1,500,000 - £2,500,000 (Dogs Only) |
| Vet Assist Free phone vet advice | Not included | Included | Included | Included |
| Online Portal Manage your pet policy online | Included | Included | Included | Included |
Customer Reviews
Cover Purchased
Reviewed without invitation
Reviewed the
Claims
experience on 5 Oct 2024
Should Be Accountable For The Death Of Pets
This company is responsible for animal deaths. No claim ever paid out. People who can't afford thousands of pounds to get there animals operated on, blood tests, & scans,, having to put their beloved…
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Recieved a response over 5 days after their claim was submitted
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Claim is still unresolved
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Was neither happy or unhappy with their experience when they spoke to someone
Cover Purchased
Reviewed without invitation
Reviewed the
Claims
experience on 1 Oct 2024
Poor Service
MRI scan not payout due to vets having to itemised the smallest details… the vets have dealt with perfect pets and they have paid out on other policies but for some reason my assessor won’t pay out… …
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Recieved a response over 5 days after their claim was submitted
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Claim is still unresolved
-
Was neither happy or unhappy with their experience when they spoke to someone
Making a claim
Claiming back your vet fees is a simple task with Perfect Pet. Its online portal allows you to quickly submit all of your information regarding your claim. Alternatively, you can download a form to fill out, and send back. 97% of claims are paid within five working days.
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1. Download a claim form
Download the form and fill it out completely.
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2. Vet completion
Ask your vet to fill in their part of your claims form. They must either sign or stamp page 2.
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3. Submit
Submit your filled-out claim document to ClaimForm@perfectpetinsurance.co.uk with full clinical history and the treatment invoice.
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4. Results
Once the claim has been fully processed and assessed, Perfect Pet will contact you to confirm the outcome.
Other things to consider
Changes to your premium
Several factors influence your pet insurance premium with Perfect Pet Insurance:
Age: younger pets generally have lower premiums.
Breed: some breeds are more susceptible to certain health issues, which can affect the cost.
Location: vet costs vary depending on where you live.
Coverage level: higher coverage plans come with higher premiums.
Your premium is fixed for 12 months and reviewed annually. It may change due to:
Changes in the overall costs of running the business.
Variations in claims experience or scheme performance.
Updates to your personal circumstances, such as your pet’s age, claims history, or address.
Adjustments to the Insurance Premium Tax (IPT) rate.
Ways to pay your premium
Perfect Pet Insurance offers flexible payment options: either a single annual payment or monthly instalments.
Understanding insurance excess
The insurance excess is the amount you contribute towards each claim. Upon renewal, if your dog is over 8 years old or your cat is over 10 years old, a 15% co-payment will be added to your standard excess.
Contact Perfect Pet
If you want to speak to a member of the Perfect Pet team, you can contact them via email at info@perfectpetinsurance.co.uk, you can expect a response within 48 hours. They can also be reached by post at their address:
Perfect Pet Insurance, Tedaisy Insurance Brokers Limited, Warner House, 123 Castle Street, Salisbury, SP1 3TB
If you'd prefer to talk to someone over the phone, you can call Perfect Pet’s service team on 01992 667 330. Lines are open Monday to Friday, 9 am to 5 pm. They are closed on Saturdays, Sundays and Bank Holidays.
If you’re a Lifetime, Maximum Benefit or Time-Limited cover holder, you can access Perfect Pet’s Vet Assist service on this number: 03333 320 480
FAQs
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What types of policies does Perfect Pet Insurance offer?
Perfect Pet Insurance offers several types of policies, including Lifetime (Reinstatement) cover, Maximum Benefit cover, Time Limited cover, and Accident Only cover.
The Lifetime policies provide continuous cover for each condition year after year, as long as the policy is renewed. Maximum Benefit policies cover each condition up to a set limit with no time restriction, while Time Limited and Accident Only policies provide cover for a limited time or specific incidents.
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Does Perfect Pet Insurance cover pre-existing conditions?
No, Perfect Pet Insurance does not cover pre-existing conditions. Coverage is only provided for conditions that arise after the policy start date and after any applicable waiting periods. -
What animals does Perfect Pet Insurance cover?
Perfect Pet Insurance provides cover for cats and dogs. They do not insure any other animals. -
Does Perfect Pet Insurance have an online claim system?
Yes. Perfect Pet Insurance allows you to make claims online through its Pet Portal. Alternatively, you can also use their claims form service.
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How quickly does Perfect Pet Insurance process claims?
Perfect Pet Insurance typically processes claims within 5 working days, although this can vary depending on the complexity of the claim. -
Can Perfect Pet Insurance make a payment directly to my vet?
Yes, Perfect Pet Insurance can pay your vet directly or reimburse you, depending on your preference. -
Does Perfect Pet Insurance offer complementary therapies?
Yes, Perfect Pet Insurance covers complementary therapies such as hydrotherapy, physiotherapy, and acupuncture as part of their vet fee cover policies. The amount of coverage depends on the specific policy you choose. -
Does Perfect Pet Insurance include third party liability as standard?
Yes, Perfect Pet Insurance includes third party liability cover as standard for dogs, with coverage up to £1.5 million depending on the policy.
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