Pet insurance reviews
Perfect Pet Insurance is a UK pet insurance provider for dogs and cats, offering several policy types including lifetime cover. This page brings together review context for pet owners looking at Perfect Pet Insurance, including policy details, claims experience and service feedback as reviews are collected.
Perfect Pet Insurance offers dog and cat insurance through multiple cover types, including accident-only, time-limited, maximum benefit and lifetime policies. Its current site also promotes multi-pet cover and specific guidance for dogs, cats, puppies, kittens and older pets.
The provider positions itself around straightforward online quotes and a range of benefit levels. Its lifetime cover FAQ states that new conditions are covered after the waiting period, with policy limits reinstating each year when cover is renewed without a break.
Most known for: A wide range of policy types, dog and cat cover, and multiple lifetime benefit levels.
Perfect Pet Insurance offers Accident Only, Time Limited, Maximum Benefit and Lifetime policy types.
The provider states that lifetime cover applies to new conditions that start after the waiting period, with limits reinstated each year if the policy is renewed without a break in cover.
Waiting periods shown on the provider site are 14 days for illnesses and 5 days for accidents and injuries.
Perfect Pet defines pre-existing conditions as health problems present before the start date of the policy or within the waiting period, including undiagnosed signs later confirmed by a vet.
The provider states that its excess is £90 and is payable once per condition claimed for during each policy year.
For dogs aged 8 and over and cats aged 10 and over, Perfect Pet states that a 15% co-payment applies in addition to the excess.
Third party liability claims have a £250 excess according to the provider FAQ.
Full policy wording is available directly from Perfect Pet Insurance and should be checked before buying.
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