Perfect Pet Insurance, cover you can count on.

With Perfect Pet Insurance, you can get up to £5,000 of vet fee cover per condition, every year, with our Lifetime Elite Extra Plus policy.

There’s no limit to the number of conditions or accidents you can claim for. Related injuries or illnesses may be grouped together and covered under the same policy limits.

And because it’s a lifetime policy, your level of cover reinstates each year when you renew, so you can keep claiming for ongoing conditions.

A pre-existing condition is any health problem your pet has had, or has received treatment, medication or advice from a vet for, before your policy start date or within the waiting period (the first 14 days for illnesses,  and 5 days for accidents and injuries).

It also includes any undiagnosed injury or illness showing clinical signs or symptoms, or existing in any form, before your policy starts.

For example, if your pet was limping before your policy started and your vet later confirmed it was arthritis, we’d treat that as a pre-existing condition.

If you make a claim, you pay a £90 excess, once per condition claimed for, in each policy year. It’s one of the lowest around.

For dogs aged 8 and over, and cats aged 10 and over, a 15% co-payment applies on top. You pay the excess first, then 15% of the remaining eligible claim amount.

Your policy schedule confirms the excess and any co-payment that applies to you. Claims under third party liability cover have a £250 excess.

To get a pet insurance quote, you just need a few details about your pet – their type, breed, age and name, along with your contact details. It takes a couple of minutes.

The more accurate your answers, the more accurate your quote. Once you’ve told us about your pet, you can compare our policy types, choose your level of cover and buy online there and then.

There are four main types of dog insurance: lifetime, maximum benefit, time limited and accident only. We offer all four.

Lifetime cover protects your dog against short-term and ongoing conditions year after year, as long as you renew with no break in cover. Maximum benefit covers each condition up to a set limit with no time restriction. Time limited covers each new condition for up to 365 days. Accident only covers injuries from accidents, but not illness.

The right type depends on your dog and your budget, so it’s worth comparing what each one includes before you decide.

Lifetime pet insurance is the most comprehensive type of pet cover, protecting your pet for their whole life as long as you renew each year with no break in cover.

With lifetime cover, your pet is insured for new conditions that start after the waiting period (the first 14 days for illnesses and 5 days for accidents and injuries). Your vet fee limits are reinstated each year at renewal, provided your premiums are up to date, so ongoing conditions can stay covered.

Lifetime policies typically cost more than maximum benefit or time-limited cover. In return, long-term conditions like arthritis or diabetes can be covered year after year, for life.

It’s worth checking your policy documents so you know exactly what’s covered and what isn’t, whichever type of cover you choose.

‘Cover’ means the big decisions can be about your pet’s wellbeing, not the bill.

The type of pet insurance you need depends on your pet, your budget and how much protection you want. It’s a personal choice rather than a one-size-fits-all answer.

If you want cover for conditions that could last a lifetime, a lifetime policy reinstates its limits each year when you renew. Time limited or accident only cover typically costs less, though it covers less too.

When you get a quote, we’ll ask about your pet and show you the policy types available for them, so you can compare your options and decide what’s right for you.

You can make a claim through our make a claim page, and we’ll guide you through each step. Whatever the illness or injury, just tell us what’s happened.

Our claims team, which includes experienced vet nurses, handles it from there. Where possible, we can settle eligible vet bills with your vet directly, so you’re not left finding the money first.

You focus on your pet, and we’ll take care of the rest.