Dog Insurance that puts your dog first

Affordable plans designed to protect your dog when they need it most.



online multi- pet discount

Dogs are family and hold a special place in our hearts

This is why, when our dogs get sick or suffer an injury, we want the best care for them. This care, however, can be costly. As pet lovers, we do everything in our power to keep our dogs from harm but accidents can and do happen, no matter how cautious you are. Sadly, there's no NHS for dogs to rely on and *vet fees are rising. This is where dog insurance comes in. With the right policy, your dog can get the care it deserves and you won't have to struggle to pay that unexpected vet bill!

Cover available from 4 weeks old

No upper age limit for senior pets

97% of claims
paid in just
5 working days

Over 20 years’ experience in pet insurance

Join tens of thousands that protect their
dog with a Perfect Pet policy

As fellow dog owners with over 20 years of pet insurance experience, our priority is your dog’s welfare. Not only have we designed a range of policies to meet different needs and budgets, but our customer care team are highly trained to support you every step of the way.

Get cover up to £4,000 per condition with NO LIMIT on the number of conditions you can claim for. T&Cs apply.

We take a tailored approach to dog insurance because
every dog is different!

Rest assured, when you get a dog insurance quote with us, we factor ailments that could affect your dog. We have profound knowledge of conditions relating to different breeds and our quoting system has been programmed to account for them. We also consider a dog's age. A puppy, for instance, has different insurance requirements to that of a senior dog, which, like us, as we get older, are prone to developing age-related illnesses. We take this and more into consideration to provide suitable dog insurance quotes for different stages of life.


Pet Insurance for


Give your puppy the best start with a Perfect Pet policy. We offer cover for puppies from just four weeks old.

Puppy Insurance
Older Dogs

Pet Insurance for

Older Dogs

We have no upper age limit when it comes to insuring senior dogs. Find out everything you need to know about protecting your old friend with a Perfect Pet policy.

Older Dogs Insurance

Want more clarity around insuring your specific breed of dog?

We might just have the guide for you!

What types of dog insurance can I get?

Not just one, but five types to choose from! We want to help as many dog owners as possible to afford protection for their pets. This is why we have designed a range of policy options with varying levels of cover. You can explore our different types of dog insurance and the benefits they include by clicking on the links below.

Insurance Plan

Time Limited

Cover your pet for injuries and illness for a limited period up to 365 days.

Insurance Plan

Accident Only

Insure your pet against injuries and complications arising from accidents only.

Insurance Plan

Third Party Liability Only

Be covered in the event your pet causes damage or harm to someone or someone else’s property where you are liable.

Insurance Plan

Lifetime Cover

You can claim year after year for each illness or accident your pet develops, providing you renew annually with no break in cover.

Insurance Plan

Max Benefit

Protect your pet against injuries and illness up to a pre-set limit with no time restriction, providing the policy is active.

Insurance for dogs – choosing the right plan

As a pet insurance provider that cares, the last thing we want is for you to purchase cover that doesn’t meet you or your dog’s needs. Like with all insurance, the cheapest option isn’t necessarily the best. It’s important to weigh up the benefits and cover limits provided to ensure you not only get value for money, but that the cover is suitable.

Here are a few things to consider:

Cover limits for accidents and illness

Is the cover enough to protect my dog against vet bills for illness and accidents?
Your dog’s breed, the ailments it’s prone to and the costs to treat, should factor into your decision regarding the level of cover you opt for. Apart from our Third Party Liability Only policy, which excludes cover for vet bills, our policies do not have a limit of the number of conditions you can claim for, providing a policy is in force. Instead, we apply a limit on the amount you can claim per condition. Cover included, benefit limits and terms and conditions will vary depending on the policy type you choose.

Benefit limit for vet fees and complimentary treatment per condition

LifetimeMaximum BenefitTime LimitedAccident Only
EliteElite ExtraVitalVital ExtraEssentialEssential Extra*Accident Only
Up to £1,000Up to £4,000Up to £1,000Up to £4,000Up to £1,000Up to £2,500Up to £1,000

Cover for pre-existing medical conditions is not included.

*Accident Only covers vet fees relating to accidental injuries only. Claims relating to illness are excluded.

Dog liability insurance

What if your dog causes injury or damage to a person or their property?
Our policies (excluding ‘Accident Only’) provide protection against damages and legal costs if your dog is found to be at fault. We will also pay if someone you have asked to look after your dog, who is not family and who you are not paying when the injury or damage occurs, up to your policy’s limit. Terms and conditions apply.

Benefit limit for third party liability

LifetimeMaximum BenefitTime LimitedLiability Only
EliteElite ExtraVitalVital ExtraEssentialEssential ExtraLiability Only
Up to £1,500,000 per claim with £1.5m the aggregateUp to £2,500,000 per claim with £2.5m the aggregate Up to £1,000,000 per claim with £1m the aggregateUp to £1,5000,000 per claim with £1.5 the aggregateUp to £1,000,000 per claim with £1m the aggregateUp to £1,500,000 per claim with £1.5 the aggregateUp to £1,000,000 with £1m being the aggregate
Dog theft and straying insurance

Sadly, dog theft is a thing! We offer cover for lost and stolen dogs with all policies except for Accident Only and Third Party Liability Only. This covers expenses for local advertising and rewards offered for your pet’s return. Should the unthinkable happen and your dog is still missing after 45 days (during the period of insurance), we will pay a contribution to the original price you paid for your dog, providing they are under 8 years at the time of disappearance, up to your policy’s limit. Terms and conditions apply.

Benefit limit for theft and straying

Lifetime Maximum BenefitTime Limited
EliteElite ExtraVitalVital ExtraEssentialEssential Extra
Up to £500Up to £1000Up to £500Up to £750Up to £250Up to £500
Holiday cancellation cover

Having to cancel a holiday because your dog needs emergency medical treatment is unlikely to be covered by standard travel insurance. Taking this into consideration, we’ve incorporated holiday cancellation cover into our dog insurance policies (excluding ‘Accident Only’ and ‘Liability Only’). This benefit applies to pre-booked holidays for more than three nights outside of the UK. The cover is for the named policyholder only and covers costs incurred to cancel the trip, up to the policy’s limit. Terms and Conditions apply.

Benefit limit for holiday cancellation per claim

LifetimeMaximum BenefitTime Limited
EliteElite ExtraVitalVital ExtraEssentialEssential Extra
Up to £500Up to £1,000Up to £500Up to £750Up to £250Up to £500
Overseas holiday cover

When on holiday in qualified countries within the European Economic Area (EEA) listed by the UK Government’s Pet Travel Scheme (“PETS”), our policies provide security and peace of mind. In the event your dog needs emergency treatment because of an accidental injury or an unforeseen illness, you can claim for necessary vet fees, up to the policy limit. Terms and Conditions apply.

Benefit limit for overseas vet bills per claim

Lifetime Maximum BenefitTime Limited
EliteElite ExtraVitalVital ExtraEssentialEssential Extra
Up to £500Up to £1,000Up to £500Up to £750Up to £250Up to £500
Cover for accidental death

In the awful event that your dog dies or must be put to sleep because of an illness or accident, we will pay a contribution to the dog’s original purchase or donation price, up to your policy’s limit, if your dog is under 8 years old at the time of death. This cover is available will all but our ‘Accident Only’ and ‘Liability Only’ policies. Terms and Conditions apply.

Benefit limit for death from illness or accidental Injury

Lifetime Maximum BenefitTime Limited
EliteElite ExtraVitalVital ExtraEssentialEssential Extra
Up to £500Up to £1,000Up to £500Up to £750Up to £250Up to £500

We can pay
your vet direct

We can pay your vet direct, giving you one less thing to worry about during what can be an anxious time. If your vet accepts direct payment, we can deposit funds straight into their account, saving you the worry of having to find money to pay large vet bills.

Subject to claim approval

What you need to know about our dog insurance

We’ve highlighted some points that we think are important to know. However, if you have a question that we haven’t answered, please visit our Help and Contact section.

Paying for your policy

You can pay for your policy annually in full, or by monthly direct debit.

How to make a claim

Simply download a claim form from our ‘Make a Claim’ page. Complete and send back to us either by email or post.

Policy excess

An excess of £90 per condition applies. This will be stated on your Policy Schedule. The excess amount will be deducted when making a claim. This applies to all sections of the policy (except for public liability where an excess of £250 applies) and is payable each time your policy renews.


For dogs that are 8 years or older, a 15% contribution towards vet bills is required on every claim, in addition to the excess.

Policy renewal

We will notify you 21 days before your policy expires. If you are happy with your renewal premium and have agreed to Continuous Payment Authority (CPA), you do not need to take any action. Your policy will renew automatically unless you tell us otherwise.

What’s not covered

• Pre-existing medical conditions and symptoms that existed before a policy is purchased
• Illnesses that occur within 14 days of a policy being taken out
• Accidents that occur with 5 days of a policy being taken out
• Dental and oral treatment (unless a result of an accident)
• Routine treatment such as vaccinations, castration, flea and worming
• Any complications or treatment relating to pregnancy

Policy terms and conditions vary. Please read the wording of the specific policy you intend to purchase for full terms and conditions.

Multi-Pet discount

Save when buying Lifetime, Maximum Benefit or Time Limited cover for more than one pet. If you have multiple dogs and maybe cats too, add them when getting a quote to receive a 15% discount.

Policies must be purchased direct and at the same time. Accident Only and Third Party Liability Only policies are excluded from the multi-pet discount offer.

Independent customer reviews

We collect and publish customer reviews on Trustpilot. Here’s some of our amazing feedback

“Very helpful customer services”

We have insured our Springer Spaniel with Perfect pet for the last 3 years and our puppy is also insured through their multi-pet option. Excellent Service.

Loraine Dale

“Recommended by family”

Recommend by family and here we are. Truly amazing service at affordable prices.

Eldin Paratusic

“Quick and easy”

I found it easy to complete the online form for my pet and the price was excellent. I would definitely recommend.


“Second 5 star review”

This Is my second 5 star review for Perfect Pet having had a recent second claim paid out quickly and efficiently.

Jacqueline Simpson