Compare pet insurance plans
Our wide range of policy options with varying cover limits means that you can choose cover that not only meets your pet’s needs, but your budget too.
Regulated by the Financial Conduct Authority. 
Trusted by thousands of UK pet owners for over 8 years, with up to £5,000 of annual vet fee cover, and we can pay your vet directly.
Compare Pet Insurance Policies
We believe that every pet deserves protection and have created a variety of pet insurance plans to suit different needs and budgets. To help you compare our policy options and make an informed decision about the cover you buy, we’ve summarised the different types of pet insurance policies we offer below:
| Lifetime Protection for your pet against acute and chronic conditions for the duration of its life. | Maximum Benefit Claim for vet fees to treat accidental injuries and illnesses up to a pre-set limit. | Time Limited Insurance that covers vet fees for accidents and illness for a limited period of time. | Accident Only Treatment for your pet in the event of a sudden and unexpected accidental injury. | |
|---|---|---|---|---|
| Vet fees (per condition) | £1000, £2000, £3000, £4000 or £5000 | £1000 or £4000 | £1000 or £2500 | £1000 |
| Third party liability (dogs only) | £1500000 - £2500000 | £1000000 - £1500000 | £1000000 - £1500000 | ✘ |
| Complementary treatment | ✓ | ✓ | ✓ | ✓ |
| 24/7 vet advice | ✓ | ✓ | ✓ | ✘ |
| Overseas holiday cover | £500 - £1250 | £500 - £750 | £250 - £500 | ✘ |
| Holiday cancellation | £500 - £1250 | £500 - £750 | £250 - £500 | ✘ |
| Missing and stolen | £500 - £1250 | £500 - £750 | £250 - £500 | ✘ |
| Advertising and reward | £500 - £1250 | £500 - £750 | £250 - £500 | ✘ |
| Emergency boarding | £500 - £1250 | £500 - £750 | £250 - £500 | ✘ |
| Death from illness or accidental injury | £500 - £1000 | £500 - £750 | £250 - £500 | ✘ |
| Excess | £90 per condition, per policy year, except for Third Party Liability claims where an excess of £250 per claim applies. | |||
| View Lifetime | View Maximum Benefit | View Time Limited | View Accident Only | |
Regulated by the Financial Conduct Authority.
At Perfect Pet it’s easy to compare pet insurance plans that meet your needs. When you apply online, we will ask questions that help determine which of our policy types are a good fit. For example, if you’re concerned that your pet’s medical conditions will no longer be covered after 12 months, our system will give quotes where cover for medical conditions is not time limited. You will then be able to compare options that meet your criteria, select and purchase right here online.
Choosing the right pet insurance plan
When comparing quotes, we’re sure you will find our policies competitively priced.
However, if you’re unsure of what type of pet insurance to purchase or the level of cover you need, we’re here to help. Click on the links below to visit our pet insurance product pages. Here we breakdown each policy type, explaining how the cover works and what you need to know, in more depth.
Lifetime Insurance
Lifetime pet insurance provides an annual vet fee allowance that refreshes each year you renew. It helps cover long-term and recurring conditions as well as new illnesses or injuries, offering the most comprehensive level of protection throughout your pet’s life. Discover Lifetime
Accident Only Insurance
Accident-only pet insurance covers injuries caused by accidents, such as cuts, broken bones or road accidents. It does not cover illnesses, third party liability or long-term health conditions. This is the most basic type of pet insurance, offering limited cover for unexpected accidents only, often at a lower cost. Discover Accident-Only
Time Limited Insurance
Time-limited pet insurance covers each new illness or injury for up to 12 months from the first treatment, or until the vet fee limit is reached, whichever comes first. After that period, the condition is no longer covered. This option can be a lower-cost choice, but it offers less protection for ongoing or recurring health issues over time. Discover Time-Limited
Maximum Benefit Insurance
Maximum benefit pet insurance provides a set amount of money per condition that you can claim until the limit is reached. There’s no time limit on claims, but once the allowance is used up, the condition won’t be covered again. This type of cover may suit pets with occasional health needs but not long-term or chronic conditions. Discover Maximum Benefit
Award winning pet insurance
We’ve insured over 350,000 pets UK wide, so you’re in experienced hands.
Dog & Puppy Insurance
- Puppies covered from 4 weeks old
- No upper age limit, even on lifetime policies
- Up to £5,000 of annual cover for every new illness or injury
Cat & Kitten Insurance
- Kittens covered from 4 weeks old
- Protection for both indoor and outdoor cats
- Lifetime cover for cats of all ages
Multi-Pet Insurance
- 15% Multi Pet insurance discount
- Hassle free cover with one simple renewal
- Every pet gets their own cover and limits
More memories, less worry.
You make the memories, we’ll handle the mishaps. Get your quote in minutes and see exactly what’s covered before you decide.
Regulated by the Financial Conduct Authority.
