Perfect Pet

Specialist UK pet insurer offering time-limited and Lifetime cover. Evidence is being verified.

Not yet researched11 of 11 comparison topics researchedReviewed 9 July 2026

Compare Perfect Pet View official information

At a glance

Vet-fee limit: The homepage advertises up to £5,000 per condition per year
Excess and co-payment: Excess: The public site advertises a £90 excess, and the lifetime policy wording examples use a £90 excess. Excess is payable per condition, per period of insurance, and is deducted from the benefit limit · Co-payment: A 15% co-payment applies if applicable and as stated in the schedule. The homepage also says dogs aged 8 and over and cats aged 10 and over have a 15%
Waiting periods: Lifetime, Maximum Benefit and Time Limited wording define waiting periods as 14 days for illness, 5 days for accidental injury, and 14 days for all other sections of cover. Accident Only uses a 5-day waiting period for accidental injury
Pre-existing conditions: Not covered. Perfect Pet defines a pre-existing condition as any health problem already treated, medicated, advised on by a vet, or showing clinical signs before the start date or within the waiting period

Things to check before choosing

What you may pay

ExcessThe public site advertises a £90 excess, and the lifetime policy wording examples use a £90 excess. Excess is payable per condition, per period of insurance, and is deducted from the benefit limit

Being checked

Details: The public site advertises a £90 excess, and the lifetime policy wording examples use a £90 excess. Excess is payable per condition, per period of insurance, and is deducted from the benefit limit

Official wording summary: excess is customer-paid and comes off the relevant condition benefit

Official source: Homepage; lifetime and accident-only wording · reviewed 2026-07-09

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Co-paymentA 15% co-payment applies if applicable and as stated in the schedule. The homepage also says dogs aged 8 and over and cats aged 10 and over have a 15%

Being checked

Details: A 15% co-payment applies if applicable and as stated in the schedule. The homepage also says dogs aged 8 and over and cats aged 10 and over have a 15%

Details not fully published in the official sources reviewed.

Official source: Homepage FAQ; lifetime and accident-only wording · reviewed 2026-07-09

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What the policy may limit

Vet Fee LimitsThe homepage advertises up to £5,000 per condition per year

Being checked

Details: The homepage advertises up to £5,000 per condition per year

Official wording summary: benefit limits depend on the product and chosen tier, and are shown in the schedule

Official source: Homepage; policy wordings page; multiple product PDFs · reviewed 2026-07-09

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Hidden LimitsPerfect Pet has extensive sub-limits within vet cover. Published examples include general anaesthetic £250 each, laboratory/imaging interpretation £25, IV cannula £15, injection fees £15, blood sampling £15, fluid therapy £100 per 24 hours, referral fees £200, bandaging £35 each, and prescriptions £30 each with a maximum of two, subject to using the preferred online supplier

Being checked

Details: Perfect Pet has extensive sub-limits within vet cover. Published examples include general anaesthetic £250 each, laboratory/imaging interpretation £25, IV cannula £15, injection fees £15, blood sampling £15, fluid therapy £100 per 24 hours, referral fees £200, bandaging £35 each, and prescriptions £30 each with a maximum of two, subject to using the preferred online supplier

Official wording summary: certain treatment charges are capped to ensure fairness and ongoing coverage

Official source: Perfect Pet policy wordings for lifetime, maximum benefit, time limited and accident only · reviewed 2026-07-09

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Dental CoverThe reviewed policy wording restricts dental and oral treatment largely to accidental injury. Lifetime wording excludes dental and oral treatment that is not due to accidental injury, and accident-only wording does the same

Being checked

Details: The reviewed policy wording restricts dental and oral treatment largely to accidental injury. Lifetime wording excludes dental and oral treatment that is not due to accidental injury, and accident-only wording does the same

Official wording summary: non-accident dental and oral treatment is excluded

Official source: Lifetime and Accident Only policy wordings · reviewed 2026-07-09

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Behavioural TreatmentExcluded. The policy wording says claims relating to behavioural issues and treatment, including diagnosis and investigations into the cause, are excluded

Being checked

Details: Excluded. The policy wording says claims relating to behavioural issues and treatment, including diagnosis and investigations into the cause, are excluded

Official wording summary: behavioural issues, treatment, diagnosis and investigation costs are excluded

Official source: Homepage; lifetime, maximum benefit and accident-only wordings · reviewed 2026-07-09

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When and how cover applies

Waiting PeriodsLifetime, Maximum Benefit and Time Limited wording define waiting periods as 14 days for illness, 5 days for accidental injury, and 14 days for all other sections of cover. Accident Only uses a 5-day waiting period for accidental injury

Being checked

Details: Lifetime, Maximum Benefit and Time Limited wording define waiting periods as 14 days for illness, 5 days for accidental injury, and 14 days for all other sections of cover. Accident Only uses a 5-day waiting period for accidental injury

Official wording summary: claims within the waiting period are a common cause of decline, and the exact period depends on illness, accidental injury, or other sections of cover

Official source: Homepage FAQs and product wordings · reviewed 2026-07-09

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Pre-existing ConditionsNot covered. Perfect Pet defines a pre-existing condition as any health problem already treated, medicated, advised on by a vet, or showing clinical signs before the start date or within the waiting period

Being checked

Details: Not covered. Perfect Pet defines a pre-existing condition as any health problem already treated, medicated, advised on by a vet, or showing clinical signs before the start date or within the waiting period

Official wording summary: undiagnosed signs or symptoms that already existed before cover are treated as pre-existing

Official source: Homepage FAQ; lifetime and accident-only policy wordings · reviewed 2026-07-09

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ClaimsClaims use a downloaded claim form, customer completion plus vet completion, then submission by email with treatment invoice and full clinical history. Perfect Pet can pay the vet directly at the vet’s discretion, pays by BACS, and requires all claims to be submitted within 90 days of first treatment

Being checked

Details: Claims use a downloaded claim form, customer completion plus vet completion, then submission by email with treatment invoice and full clinical history. Perfect Pet can pay the vet directly at the vet’s discretion, pays by BACS, and requires all claims to be submitted within 90 days of first treatment

Official wording summary: claims require the form, invoice and full clinical history, with direct vet payment possible where the vet agrees

Official source: “Make A Claim | Perfect Pet Insurance”; lifetime wording · reviewed 2026-07-09

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RenewalsLifetime limits refresh each year if the policy is renewed. The policy is annual and automatically renews unless cancelled or opted out; the insurer can change premium and terms at renewal and gives at least 21 days’ notice

Being checked

Details: Lifetime limits refresh each year if the policy is renewed. The policy is annual and automatically renews unless cancelled or opted out; the insurer can change premium and terms at renewal and gives at least 21 days’ notice

Official wording summary: renewal is annual, usually automatic, and subject to term and premium changes

Official source: Lifetime and Accident Only policy wording · reviewed 2026-07-09

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Provider FeaturesNotable features include multi-pet discount, lifetime continuation for ongoing conditions, dedicated in-house veterinary positioning, symptom checker, vet video/phone support, and quote/account tooling

Being checked

Details: Notable features include multi-pet discount, lifetime continuation for ongoing conditions, dedicated in-house veterinary positioning, symptom checker, vet video/phone support, and quote/account tooling

Not published in official documents reviewed

Official source: Not published in official documents reviewed · reviewed 2026-07-09

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Policy change history

Knowledge Platform updated2026-07-01
Framework updated to v1.4 — Evidence Layer expanded across every Knowledge Product.
Guide refreshed2026-06-15
Claims and Pre-existing Conditions explainers updated with clearer plain-English wording.

Official information

Underwriter / administrator: Tedaisy Underwriting Limited on behalf of Antares Insurance Company Limited

Knowledge Platform v1.4 · checked 2026-07-09. Every answer records the official information it came from, and many link straight to the insurer's own page or document. Where an answer names a document but we have not yet linked it, we say so on the answer instead of implying a direct link.

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