In this independent review, we take a look at Perfect Pet Insurance. Perfect Pet Insurance is often found on comparison sites as it has competitive pricing, but is it the best pet insurance for your pet? In this review, we look at how Perfect Pet Insurance works, what it covers and how much it costs. We also look at alternative providers, Animal Friends and Petgevity* to see how Perfect Pet Insurance compares. We recommend you read the review in full, however, you can jump to sections of the article using the following links:
- What is Perfect Pet Insurance?
- Perfect Pet Insurance key features
- What does Perfect Pet Insurance cover?
- Perfect Pet Insurance policies
- Perfect Pet Insurance policy exclusions
- How much does Perfect Pet Insurance cost?
- Perfect Pet Insurance policy excess
- How to make a claim on Perfect Pet Insurance
- Perfect Pet Insurance customer reviews
- Perfect Pet Insurance pros and cons
- Alternatives to Perfect Pet Insurance
- Summary
What is Perfect Pet Insurance?
Perfect Pet Insurance is a trading name for Tedaisy Insurance Brokers Ltd. Perfect Pet has over 20 years of experience in pet insurance and it claims they "listen to pet owners to learn to understand their needs and requirements when developing and refining our pet insurance".
Perfect Pet Insurance key features
- Policies for cats and dogs from 4 weeks old
- No upper age limit
- Offers every type of pet insurance
- 15% online multi-pet discount (not available for accident only policies)
- Refer a friend and you'll both get either a £20 National Trust or Amazon gift card or £20 cash into your PayPal account
- 24/7 Vet Assist Video and Phone calls
- Pay monthly for no extra cost
- Can pay vet directly for claims
- "The Treat Jar" which provides discounted medication, parasite protection, calming products and more
What does Perfect Pet Insurance cover?
Perfect Pet Insurance provides every type of pet insurance available with varying levels of cover. Below we summarise the different types of pet insurance on offer and you can compare the different policies here.
Lifetime pet insurance
Lifetime pet insurance is the most comprehensive policy for your pet. There are two main types of lifetime pet insurance; Annual limit and Annual condition limit. Annual limit lifetime pet insurance covers your pet for a set amount per year and the cover then renews annually, even if you have made a claim. Annual condition limit lifetime pet insurance covers your pet for a set amount per condition per year. The level of veterinary fee cover then renews again the following policy year, even if you have made a claim. Perfect Pet Insurance offers five annual condition limit lifetime pet insurance policies with vet fee cover up to £5,000 per condition per year.
For more information on lifetime pet insurance and how it works read our article 'Lifetime pet insurance explained'.
Maximum benefit pet insurance
Maximum benefit pet insurance insures your pet for a set amount per condition for the duration of the policy or until the limit is met. Once the veterinary fee limit has been reached the veterinary cover will not renew for that particular condition but you will be covered for another condition up until the vet limit. Perfect Pet Insurance offer two maximum benefit pet insurance policies with vet fee cover of £1,000 or £4,000 per condition.
More information on maximum benefit pet insurance can be found in our article 'Maximum benefit pet insurance explained'.
Time-limited pet insurance
Time-limited pet insurance insures your pet for a set amount per condition for a set time frame (which is usually 12 months) or until the condition limit is reached. Once you have met the condition limit, or the set time frame has passed, the condition will no longer be covered and you will have to self-fund any further treatment. Perfect Pet Insurance offer two time-limited pet insurance policies, with either £1,000 or £2,500 vet fee cover for 12 months from "the first symptom and/or clinical sign was noticed, or treatment started, whichever happens first".
To find out more about time-limited pet insurance and how it works, check out our article 'Time-limited pet insurance explained'.
Accident-only pet insurance
Accident-only pet insurance only insures your pet against accidents and does not cover your pet for veterinary treatment due to illness. With accident-only pet insurance, you are insured for a set amount per condition and once the limit is reached you are no longer covered and any further treatment will need to be self-funded. Some accident-only pet insurance providers, like Perfect Pet Insurance, also impose time limits on how long the pet is covered. Perfect Pet insurance covers your pet for 12 months from when the first symptom was noticed or when the treatment started whichever was first. After this time the condition will no longer be covered but you are still able to claim for separate conditions should your pet have another accident throughout the period of insurance. Perfect Pet Insurance only offers one Accident Only pet insurance policy with £1,000 vet fee cover.
For more information on accident-only pet insurance policies, read our article 'Accident-only pet insurance explained'.
Perfect Pet Insurance policies
Perfect Pet Insurance has a range of pet insurance policies on its website and in the below comparison table we compare the different policies and the levels of cover you get with each one.
Perfect Pet Insurance policy comparison table
(scroll to view the full table)
| Elite Extra Plus | Elite Extra | Elite
£3,000 |
Elite
£2,000 |
Elite
£1,000 |
Vital Extra | Vital | Essential Extra | Essential | Accident Only | |
| Policy type | Lifetime - Annual condition limit | Lifetime - Annual condition limit | Lifetime - Annual condition limit | Lifetime - Annual condition limit | Lifetime - Annual condition limit | Maximum Benefit | Maximum Benefit | Time-limited | Time-limited | Accident-only |
| Policy excess | £90 | £90 | £90 | £90 | £90 | £90 | £90 | £90 | £90 | £90 |
| Co-payment | 15% for dogs aged over 8 and cats aged over 10 | 15% for dogs aged over 8 and cats aged over 10 | 15% for dogs aged over 8 and cats aged over 10 | 15% for dogs aged over 8 and cats aged over 10 | 15% for dogs aged over 8 and cats aged over 10 | 15% for dogs aged over 8 and cats aged over 10 | 15% for dogs aged over 8 and cats aged over 10 | 15% for dogs aged over 8 and cats aged over 10 |
15% for dogs aged over 8 and cats aged over 10
|
15% for dogs aged over 8 and cats aged over 10 |
| Vet fee cover | £5,000 per condition per year | £4,000 per condition per year | £3,000 per condition per year | £2,000 per condition per year | £1,000 per condition per year | £4,000 per condition | £1,000 per condition | £2,500 per condition | £1,000 per condition | £1,000 per condition |
| Time limit | No | No | No | No | No | No | No | 12 months¹ | 12 months¹ | 12 months¹ |
| Dental | Accident only | Accident only | Accident only | Accident only | Accident only | Accident only | Accident only | Accident only | Accident only | Accident only |
| Death cover ² | £1,000 | £1,000 | £800 | £650 | £500 | £750 | £500 | £500 | £250 | No |
| Holiday cancellation | £1,250 | £1,000 | £800 | £650 | £500 | £750 | £500 | £500 | £250 | No |
| Vet fee cover abroad | £1,250 | £1,000 | £800 | £650 | £500 | £750 | £500 | £500 | £250 | No |
| Loss and theft ² | £1,250 | £1,000 | £800 | £650 | £500 | £750 | £500 | £500 | £250 | No |
| Advertising and reward | £1,250 | £1,000 | £800 | £650 | £500 | £750 | £500 | £500 | £250 | No |
| Emergency boarding | £1,250 | £1,000 | £800 | £650 | £500 | £750 | £500 | £500 | £250 | No |
| Third-party liability (dogs only) | £2.5m | £2.5m | £2 m | £2 m | £1.5m | £1.5m | £1m | £1.5m | £1m | No |
¹ 12 months from the first clinical signs or symptoms or date of the first treatment (whichever is first)
² Dogs over the age of 8 and cats over the age of 10 are not covered for death due to illness/injury or loss/theft
Perfect Pet Insurance policy exclusions
In this section of the review, we detail some of the exclusions with a Perfect Pet Insurance policy, however, this list is not extensive so you should always check the policy documents carefully to ensure you are buying the right pet insurance policy for you and your pet.
Perfect Pet Insurance does not insure your pet for the following:
- Routine treatment
- Pets under 4 weeks old
- Policy excess or co-payment
- Claims made within the 14-day waiting period (unless for accidents which are covered after 5 days)
- Pre-existing conditions
- Dental treatment not due to an accidental injury
- Dogs under the Dangerous Dogs Act 1991 (a full list of excluded breeds can be found in the FAQ section of the Perfect Pet website
- Pregnancy and birth
- Illnesses that your pet should be vaccinated against such as cat flu and kennel cough
- Cost for food even if it has been prescribed by a veterinary professional
- A claim where your pet is being cared for by a pet sitter, walker, cattery, kennel or groomer
How much does Perfect Pet Insurance cost?
In the below table, we highlight the cost of a Perfect Pet Insurance policy. The quotes are based on a 1-year-old male mixed breed cat and dog (medium sized) with no underlying health conditions and living in a South East postcode. How much you pay for your pet insurance policy can vary depending on a number of factors including the breed of pet you insure and where you live. For more information on what affects the cost of pet insurance read our article '7 factors that affect the cost of pet insurance'.
Perfect Pet Insurance policy cost
(Scroll to view the full table)
| Elite Extra Plus | Elite Extra | Elite - £3,000 | Elite - £2,000 | Elite - £1,000 | Vital Extra | Vital | Essential Extra | Essential | Accident Only | |
| Policy type | Lifetime - Annual condition limit | Lifetime - Annual condition limit | Lifetime - Annual condition limit | Lifetime - Annual condition limit | Lifetime - Annual condition limit | Maximum Benefit | Maximum Benefit | Time-limited pet insurance | Time-limited pet insurance | Accident-only |
| Policy excess | £90 | £90 | £90 | £90 | £90 | £90 | £90 | £90 | £90 | £90 |
| Vet fee cover | £5,000 per condition per year | £4,000 per condition per year | £3,000 per condition per year | £2,000 per condition per year | £1,000 per condition per year | £4,000 per condition | £1,000 per condition | £2,500 per condition | £1,000 per condition | £1,000 per condition |
| 1-year-old dog (monthly cost) | £19.44 | £14.44 | £13.14 | £11.55 | £7.75 | £17.69 | £8.85 | £12.64 | £5.34 | £11.39 |
| 1-year-old cat (monthly cost) | £21.34 | £17.79 | £16.18 | £14.23 | £11.03 | £23.70 | £12.80 | £11.79 | £5.37 | £9.19 |
(quotes correct as of 26/03/26)
Perfect Pet Insurance policy excess
Perfect Pet Insurance has a fixed policy excess of £90 which is payable should you need to make a claim. Once your pet reaches a certain age you will need to make an additional contribution to the veterinary fee cost which is called a co-payment. With Perfect Pet Insurance, once your dog reaches the age of 8 and your cat reaches the age of 10, a 15% co-payment is payable in addition to the policy excess when you claim on veterinary fees. Therefore if the claim was £1,000 you will need to pay the £90 excess and then a further £136.50 which is 15% of £910, which is the remaining amount of the vet fee claim minus the policy excess.
How to make a claim on Perfect Pet Insurance
To make a claim on a Perfect Pet Insurance policy you will need to download and complete the online claims form. You will need to have your policy details to hand to complete the form. When filling out the form you'll need to provide as much information as possible about your pet's condition and attach any accompanying receipts or invoices for any treatment. Perfect Pet Insurance also require you to send your pet's full medical history when making a claim to speed up the claims process. You will also need to arrange for your vet to complete a section of the form. Once you have completed the form you can email the claims form to [email protected]. Perfect Pet can also arrange to pay your vet directly if this is something that your vet accepts. Your veterinary practice has to fill out the payment details section on the claim form.
Any claims must be submitted within 90 days of the first treatment occurring otherwise they may not be covered by the insurer.
Perfect Pet Insurance customer reviews
Perfect Pet Insurance is rated as 'Excellent' on the consumer review website Trustpilot and has a score of 4.6 out of 5 stars from over 15,000 reviews. 78% of customers have rated it as 'Excellent' citing good cover for a good price as well as good prices upon renewal along with excellent customer service when purchasing the policy and handling claims. 12% of customers, however, rate it as 'Bad' with some customers citing problems with claims being paid out, lengthy claims process, inner limits for cover and poor communication when dealing with claims.
Perfect Pet Insurance pros and cons
Perfect Pet Insurance pros
- 15% multi-pet discount
- No upper age limit for your cat or dog
- Insure pets from 4 weeks old
- Easy to navigate website
- Great range of pet insurance policies for cats and dogs
Perfect Pet Insurance cons
- Time limit for claims with their Accident-only pet insurance policy
- No vet fee cover for dental work due to illness
- Compulsory 15% co-payment for dogs over 8 and cats over 10
- Lower amounts of vet fee cover available compared to other pet insurance providers
Alternatives to Perfect Pet Insurance
It is always best to shop around when purchasing pet insurance in order to understand the levels of cover available and to find the best cover for your pet. One easy way to shop around for pet insurance is via a comparison site such as MoneySuperMarket*. Comparison sites allow you to compare multiple providers at once to get the best rate for your pet. One thing to consider though is that not all comparison sites are whole of market and you may get a better deal elsewhere. Also, some pet insurance providers such as Petplan do not feature on comparison sites so if you would like a quote from one of these providers you would need to visit the website directly.
Two alternatives to Animal Friends are Petgevity* and Animal Friends.
Petgevity
Petgevity* pet insurance specialises in lifetime insurance and only offers annual limit lifetime insurance with vet fee cover from £2,000 up to £15,000 per year. It offers insurance for pre-existing conditions as long as these are declared and approved when obtaining your quote. Like Perfect Pet there is no upper age limit for taking out new policies, however unlike Perfect Pet, Petgevity do not impose a compulsory co-payment as your pet ages. Petgevity has a range of excess options (including no excess) as well as a choice of voluntary co-payments which allows you to cater your policy to suit your budget. They also offer multi-pet discount. More information can be found in our independent Petgevity pet insurance review.
Animal Friends
Animal Friends offers every type of pet insurance with vet fee cover up to £18,000 per year and a range of excess options. There is no upper age limit for taking out new policies with Animal Friends, however like Perfect Pet there is a compulsory co-payment as your pet ages (20% when your dog turns 8 and your cat turns 10). Animal Friends do not cover pre-existing conditions nor offer a multi-pet discount. More information can be found in our independent Animal Friends pet insurance review.
Perfect Pet Insurance vs Animal Friends vs Pegevity
| Perfect Pet Insurance | Animal Friends | Petgevity* | |
| Policies offered | Accident-only, time-limited, maximum benefit, annual condition lifetime | Accident-only, time-limited, maximum benefit, annual condition lifetime and annual limit lifetime | Lifetime (annual limit) |
| Option to pay no excess | No | No | Yes |
| Covers pre-existing conditions | No | No | Yes |
| Upper age limit when taking out a policy | No | No | No |
| Offers vet video calls | Yes | Yes | Yes |
| Compulsory co-payment | 15% for dogs aged over 8 and cats aged over 10 | 20% when dog turns 8 and cat turns 10 | No |
| Offers multi-pet discount | Yes | No | Yes |
| Trustpilot score | 4.6/5 | 4.5/5 | 4.4/5 |
| More information | Animal Friends pet insurance review | Pegevity pet insurance review |
Summary
Overall, Perfect Pet Insurance has a wide range of pet insurance policies to choose from and if you have more than one pet, you can also benefit from a multi-pet policy discount. Perfect Pet insurance has no upper age limits for older pets which may make it worth considering if you have had trouble finding insurance for your senior pet, however it is worth bearing in mind that there will be a compulsory 15% co-payment towards your claim once your cat is 10 years old and your dog is 8 years old.
Perfect Pet Insurance can often be seen on comparison sites when searching for a cheaper deal and does offer competitive pricing for its insurance, however, buying a cheap policy does not always mean it will be the best for your pet and we explain this in more detail in our article, 'Cheap pet insurance: 5 reasons why its not always the best'. As with all pet insurance, I would recommend researching thoroughly before choosing a pet insurance policy which includes looking at Trustpilot reviews for recent customer experiences and in particular claims. You can also compare Perfect Pet Insurance to other pet insurance policies in our article, 'Best pet insurance in the UK'.
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