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 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
What is Perfect Pet Insurance?
Perfect Pet Insurance is a trading name for Intrinsia Brokers Ltd which is an insurance broker. Intrinsia Brokers Ltd is an appointed representative of Alpha Underwriting Limited, which is authorised and regulated by the Financial Conduct Authority (FCA). This means that Perfect Pet Insurance acts on your behalf to find a pet insurance policy for you, however, unlike a whole of market insurance broker, Perfect Pet Insurance only works with CGICE insurance meaning all policies are provided by the same insurer.
Perfect Pet Insurance key features
- Policies for cats and dogs
- Offers a range of pet insurance from third party liability to lifetime pet cover
- An insurance broker that acts on behalf of the insurer CGICE
- 10% multi-pet discount
- Opportunity to further discount your insurance with discount codes
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 for which is likely to be 12 months from the time of the accident. 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 offer 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. It is worth noting that Perfect Pet Insurance is an insurance broker and so any pet insurance you take out would be with the insurance company CGICE.
Perfect Pet Insurance policy comparison table
(scroll to see the full table)
|Elite Extra||Elite||Vital Extra||Vital||Essential Extra||Essential||Accident Only||
|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||
|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 from the first clinical signs or symptoms||12 months from the first clinical signs or symptoms||12 months from the first clinical signs or symptoms|
|Dental||Accident only||Accident only||Accident only||Accident only||Accident only||Accident only||Accident only|
|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|
*Euthanasia is included in vet fee cover if your pet was put to sleep to relieve suffering due to illness or accidental injury
**Dogs over the age of 8 and cats over the age of 10 are not covered for death due to illness/injury and pets over the age of 8 are not covered for 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
- Claims as a result of your pet being at your place of work
- Claims for third-party liability if liability is covered under another insurance policy
- For claims as a result of your pet worrying livestock
- 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 6-month-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||
|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||
|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|
|6-month-old dog (monthly cost)||£20.06||£10.18||£21.32||£10.66||£13.21||£8.11||£11.66||£12.83|
|6-month-old cat (monthly cost)||£17.05||£10.57||£23.23||£13.93||£11.89||£7.13||£8.81||N/A|
(quotes correct as of 28/04/21)
Perfect Pet Insurance policies are relatively cheap in comparison to other pet insurance providers, particularly its lifetime pet insurance policy, however, the level of cover it offers is generally lower than some of its competitors. Perfect Pet Insurance 'Vital Extra' maximum benefit pet insurance policy is also more expensive than its lifetime pet insurance policy, as shown in the above table, which is unusual as a lifetime pet insurance policy tends to be the most comprehensive choice for your pet. It is important to do your research when looking for pet insurance to ensure you get the best deal for your pet. If you would like to compare other pet insurance providers, read our article 'The best and cheapest pet insurance'.
Perfect Pet Insurance policy excess
Unlike a lot of other pet insurance providers that offer a choice of excess, Perfect Pet Insurance has a fixed policy excess of £90 which is payable should you need to make a claim on veterinary fees. 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@example.com or post the form to Perfect Pet Insurance, The Portway Centre, Old Sarum, Salisbury, Wiltshire SP4 6EB.
Any claims must be submitted within 90 days of the treatment occurring otherwise they may not be covered by the insurer.
Perfect Pet Insurance customer reviews
Perfect Pet Insurance is rated as 'Excellent' on consumer review website Trustpilot and has a score of 4.1 out of 5 stars from over 2,200 reviews. 60% 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. 26% of customers, however, rate it as 'Bad' with numerous customers citing problems with claims being paid out and poor customer service.
Perfect Pet Insurance pros and cons
Perfect Pet Insurance pros
- 10% multi-pet discount
- Relatively cheap pet insurance
- Choice of 8 pet insurance policies
- Pet insurance policies for cats and dogs
- Exclusive third-party liability-only policy for dogs
Perfect Pet Insurance cons
- Website is difficult to navigate and it is hard to find out about the different types of pet insurance available
- 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 Bought by Many* and Petplan. The quotes in the comparison table are based on a 6-month-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:
Perfect Pet Insurance vs Bought by Many vs Petplan
|Perfect Pet Insurance||Bought by Many||Petplan|
|Policy type||Lifetime condition limit||Lifetime annual limit||Lifetime annual limit|
|Excess||£90 per claim||£99 per policy year||
£110 per illness/injury
|Maximum vet fee cover||£4,000 per condition||£15,000 per year||
£12,000 per year
|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 28/04/21)
Overall, Perfect Pet Insurance has a confusing website to navigate which can be off-putting when trying to pick the best pet insurance policy for your pet. You have to spend a lot of time on the website in order to understand the level of cover you can expect for your pet and this could be confusing to those who are new to pet insurance and are just looking to protect their 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. Some of the recent Trustpilot reviews also highlight problems with paying out claims and so I would recommend researching thoroughly before choosing a pet insurance policy.
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 - Bought by Many