Perfect Pet Insurance review

18 min Read Published: 22 Jun 2022

Perfect pet insurance reviews

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 the alternatives. 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 is a trading name for Tedaisy Insurance Brokers Ltd. According to its website, Perfect Pet insurance describes itself as 'pet insurance that puts your pet first' and has over 20 years of experience in pet insurance.

Perfect Pet Insurance key features

  • Policies for cats and dogs from 4 weeks old
  • No upper age limit for older pets
  • Offers a range of pet insurance from third party liability to lifetime pet cover
  • 15% online multi-pet discount
  • 97% of claims paid in 5 working days
  • FREE VetChef Subscription when you buy lifetime, maximum benefit or time-limited dog insurance in June
  • Refer your friend and get a £10 eGift card

What does Perfect Pet Insurance cover?

Perfect Pet Insurance provides quotes for 8 different pet insurance policies. 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 offer two annual condition limit lifetime pet insurance policies, Elite and Elite Extra.

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, Vital and Vital Extra.

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 or until the condition limit (which is usually 12 months) 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, Essential and Essential Extra.

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 365 days from when the first symptom was noticed or when the treatment started. 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.

For more information on accident-only pet insurance policies, read our article 'Accident-only pet insurance explained'.

Third-party liability pet insurance

Third-party liability insurance is available for dogs only and insures your pet against legal claims should it injure another person or damage property. Perfect Pet Insurance offers one Third Party Liability insurance policy.

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 see the full table) 

Elite Extra Elite Vital Extra Vital Essential Extra Essential Accident Only
Third-party liability
Policy type Annual condition limit Lifetime pet insurance Annual condition limit Lifetime pet insurance Maximum Benefit pet insurance Maximum Benefit pet insurance Time-limited pet insurance Time-limited pet insurance Accident-only
Third-party liability
Policy excess £90 £90 £90 £90 £90 £90 £90 £250
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 N/A
Vet fee cover £4,000 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* 12 months 12 months 12 months
Dental Accident only Accident only Accident only Accident only Accident only Accident only Accident only
Death cover* £1,000 £500 £750 £500 £500 £250
Holiday cancellation £1,000 £500 £750 £500 £500 £250
Vet fee cover abroad £1,000 £500 £750 £500 £500 £250
Loss and theft* £1,000 £500 £750 £500 £500 £250
Advertising and reward £1,000 £500 £750 £500 £500 £250
Emergency boarding £1,000 £500 £750 £500 £500 £250
Accidental damage £1,000
Third-party liability £2.5m £1.5m £1.5m £1m £1.5m £1m cross £1m

*12 months from the first clinical signs or symptoms or date of the first treatment (whichever is first) 

**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 and 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
  • Pre-existing conditions
  • Dental treatment not due to an accidental injury
  • Dogs under the Dangerous Dogs Act 1991
  • 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 with no underlying health conditions and living in a South East postcode.

Perfect Pet Insurance policy cost

Elite Extra Elite Vital Extra Vital Essential Extra Essential Accident Only
Third-party liability
Policy type Annual condition limit Lifetime pet insurance Annual condition limit Lifetime pet insurance Maximum Benefit Maximum Benefit Time-limited pet insurance Time-limited pet insurance Accident-only
Third-Party liability
Policy excess £90 £90 £90 £90 £90 £90 £90 £250
Vet fee cover £4,000 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 N/A
1-year-old dog (monthly cost) £18.06 £9.93 £22.38 £11.19 £13.87 £7.21 £11.66 £12.83
1-year-old cat (monthly cost)  £17.05 £10.57 £23.23 £13.93 £11.89 £7.13 £8.81 N/A

(quotes correct as of 22/06/22) 

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 and 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. 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 4.2 out of 5 stars from over 3,800 reviews. 64% of customers have rated it as 'Excellent' citing good cover for a good price and excellent customer service. Other customers also commented on how easy it was to set up. 22% of customers, however, rate it as 'Bad' with some customers citing problems with claims being paid out and poor customer service.

Perfect Pet Insurance pros and cons

Perfect Pet Insurance pros

  • 15% multi-pet discount
  • Relatively cheap pet insurance
  • Easy to navigate website
  • Pet insurance policies for cats and dogs
  • Exclusive third-party liability-only policy for dogs

Perfect Pet Insurance cons

  • Accident-only pet insurance policy only covers for vet fees
  • No vet fee cover for dental work due to illness
  • 15% co-payment for dogs over 8 and cats over 10

Alternatives to Perfect Pet Insurance

In this section of the review, we compare Perfect Pet Insurance to pet insurance providers ManyPets* (formally known as Bought by Many) and Petplan. The quotes in the comparison table are based on a 1-year-old mixed breed male dog with no underlying health conditions and living in a South East postcode. We have compared the most comprehensive lifetime pet insurance policies with each of the providers and if you wanted to find out more about each of the providers you can read our independent reviews:

You can also compare pet insurance with a comparison site such as MoneySuperMarket* or Compare the Market. Comparison sites allow you to easily compare the cost of pet insurance to find the cheapest deal for your pet. One thing to consider, however, is that not all comparison sites are whole of market so you may miss out on a better deal elsewhere. Also, some pet insurance providers such as Petplan and Direct Line 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.

Perfect Pet Insurance vs ManyPets vs Petplan

Perfect Pet Insurance ManyPets Petplan
Policy type Lifetime condition limit Lifetime annual limit Lifetime annual limit
Excess £90 per condition per year £99 per policy year
£110 per illness/injury
Monthly Cost £18.06 £36.58 £66.26
Maximum vet fee cover £4,000 per condition £15,000 per year
£12,000 per year
Public liability £2.5million £3million £3million
Loss & theft £1,000 £6,000 £2,000
Death of pet cover (if pet dies through illness or injury) £1,000 £6,000 £2,000
Vet video calls *

*Access to a 24/7 vet phone helpline  

(Quotes correct as of 22/06/22)

Summary

Overall, Perfect Pet insurance has a range of policies to choose from and even offers a liability-only policy for dogs. You can also benefit from a multi-pet policy discount if you wish to insure more than one pet at the same time. 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.

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.

 

 

If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. The following link can be used if you do not wish to help Money to the Masses or take advantage of any exclusive offers - ManyPets, MoneySuperMarket