Puppy Insurance that puts your puppy first
Affordable pet insurance plans designed to protect puppies when they need it most
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15%
online multi- pet discount
Pet insurance for puppies
There’s lots to consider when bringing home a new puppy, but one of the most important things to arrange has got to be puppy insurance. The sooner you buy it, the sooner you and your precious new edition will be protected. Just like children, puppies are naturally playful and can be little daredevils. If an accidental injury happens or illness strikes, you’ll want to ensure your puppy gets the best care without having to worry about your finances - that's where Perfect Pet puppy insurance comes in!
Cover available from 4 weeks old
No Upper age limit
97% of claims paid in just 5 working days
Over 20 years’ experience in pet insurance
Value for money puppy insurance plans
Whether you’re looking for comprehensive cover that will give on-going protection as your puppy grows, or a basic policy that covers accidents only, Perfect Pet has a variety of plans to suit different needs and budgets. What’s more, our policies do not restrict the number of conditions you can claim for, and our excess at *£90 per claim, is one of the lowest around!
*£90 excess per claim applies to all sections of our policies except for Public Liability claims where an excess of £250 applies.
Get cover up to £4,000 per condition with NO LIMIT on the number on the number of conditions you can claim for. T&Cs apply.
No hesitation
“I have used Perfect Pet insurance before for previous pets and have no hesitation in taking out new insurance for our new puppy.”
Julie Sykes 
How much does puppy insurance cost?
Want more clarity around insuring your specific breed of dog?
We might just have the guide for you!
What types of puppy insurance can I get?
We believe every puppy deserves protection and we want to help as many puppy owners as possible to afford cover. This is why we have created five different types of dog insurance.
Our Lifetime policies Elite an Elite Extra (also known as Reinstatement Cover) are our most comprehensive pet insurance plans. This type of cover is designed for puppy owners wanting lifelong protection for acute and chronic health conditions that their dog may develop.
Our Maximum Benefit policies Elite and Elite Extra and Time Limited policies, Essential and Essential Extra, are designed for pet owners wanting to insure their pet for acute and short-term conditions.
Our lowest priced plans, Accident Only and Third Party Liability Only provides basic, limited cover. Illness it is not covered with these plans and cover for accidental injuries to your pet are not included with our Third Party Liability only policies, which only covers for damages to someone or someone else’s property where you are liable.
Explore our policy types in a more depth by clicking on the links below:
Time Limited
Cover your pet for injuries and illness for a limited period up to 365 days.
Accident Only
Insure your pet against injuries and complications arising from accidents only.
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.
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.
Max Benefit
Protect your pet against injuries and illness up to a pre-set limit with no time restriction, providing the policy is active.
Choosing the best pet insurance for puppies
Like most insurance products, the cheapest option isn’t necessarily the best. When choosing a pet insurance plan, it’s important to weigh up the cover benefits and limits to ensure you make the right decision for your puppy, budget and circumstance. Often, cheap quotes indicate a low level of cover or a high excess i.e., the amount you would have to pay towards a claim. This is something to bear in mind, particularly when doing an online puppy insurance comparison.
As well as cover for illness and accidents, our Lifetime, Maximum Benefit and Time Limit policies include cover for other lots of eventualities that could put you out of pocket as a dog owner.
Below is a breakdown of our cover benefits and how they work:
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 on the level of cover you opt for. Apart from our ‘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. Terms and conditions and other benefits included will vary depending on the policy type you choose.
Benefit limit for vet fees and complimentary treatment per condition
| Lifetime | Maximum Benefit | Time Limited | Accident Only | |||
|---|---|---|---|---|---|---|
| Elite | Elite Extra | Vital | Vital Extra | Essential | Essential Extra | *Accident Only |
| Up to £1,000 | Up to £4,000 | Up to £1,000 | Up to £4,000 | Up to £1,000 | Up to £2,500 | Up 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.
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
| Lifetime | Maximum Benefit | Time Limited | Accident Only | |||
|---|---|---|---|---|---|---|
| Elite | Elite Extra | Vital | Vital Extra | Essential | Essential Extra | Liability Only |
| Up to £1,500,000 per claim with £1.5m the aggregate. | Up to £2,500,000 per claim with £2.5m the aggregate | Up to £1,000,000 per claim with £1m the aggregate | Up to £1,5000,000 per claim with £1.5 the aggregate | Up to £1,000,000 per claim with £1m the aggregate | Up to £1,500,000 per claim with £1.5 the aggregate | Up to £1,000,000 with £1m being the aggregate |
Sadly, dog theft is a thing! We offer cover for lost and stolen dogs with all policies except for ‘Accident Only’ and ‘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 Benefit | Time Limited | |||
|---|---|---|---|---|---|
| Elite | Elite Extra | Vital | Vital Extra | Essential | Essential Extra |
| Up to £500 | Up to £1000 | Up to £500 | Up to £750 | Up to £250 | Up to £500 |
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 policy holder 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
| Lifetime | Maximum Benefit | Time Limited | |||
|---|---|---|---|---|---|
| Elite | Elite Extra | Vital | Vital Extra | Essential | Essential Extra |
| Up to £500 | Up to £1,000 | Up to £500 | Up to £750 | Up to £250 | Up to £500 |
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 Benefit | Time Limited | |||
|---|---|---|---|---|---|
| Elite | Elite Extra | Vital | Vital Extra | Essential | Essential Extra |
| Up to £500 | Up to £1,000 | Up to £500 | Up to £750 | Up to £250 | Up to £500 |
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 Benefit | Time Limited | |||
|---|---|---|---|---|---|
| Elite | Elite Extra | Vital | Vital Extra | Essential | Essential Extra |
| Up to £500 | Up to £1,000 | Up to £500 | Up to £750 | Up to £250 | Up to £500 |
No need to stress, 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 puppy 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.
You can pay for your policy annually in full, or by monthly direct debit.
Simply download a claim form from our ‘Make a Claim’ page. Complete and send back to us either by email or post.
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.
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.
• 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 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 or perhaps 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.
