Help and Contact
Welcome to our help centre packed full of frequently asked questions and answers.
Regulated by the Financial Conduct Authority.
Get in touch with Perfect Pet Customer Service
If you have a Lifetime, Maximum Benefit or Time-Limited cover with us and would like to access our Perfect Pet Vet Assist line, please call 03333 320 480. Please have your policy number to hand. We don’t charge for calls, but your network may, so it’s worth checking first.
Open Monday to Friday 9.00am – 5:00pm
Closed on Saturdays, Sundays and Bank Holidays
By Post
Perfect Pet Insurance
Tedaisy Insurance Brokers Limited
Warner House
123 Castle Street
Salisbury
SP1 3TB
Regulated by the Financial Conduct Authority.
Claims
FAQs
A pre-existing condition is any injury or illness that occurred or first showed clinical signs, has the same diagnosis or clinical signs your pet had, is caused by, relates to, or results from, an injury, illness or clinical sign your pet had, before the start date of your pet’s first period of insurance or before the date the cover level on your policy was increased. No matter where the injury, illness or clinical signs are noticed or happen in, or on, your pet’s body.
An excess of £90 is payable for all claims made within your policy year. Please note that this is payable per condition per policy year.
When a dog is 8 years or older and a cat 10 years or older, a 15% contribution to the claim is required, known as a co-payment. This is in addition to the policy excess. At 15% our co-payment amount is one of the lowest on the market!
We can pay you directly or, if your vet supports direct payment, we can pay your vet directly. Please ensure that you have selected the appropriate option on your claim form.
In order to make a claim all supporting documentation, medical records and full clinical history (from all vets) and a full and complete claim form must be supplied within 90 days of the first treatment made.
As found within your policy wording: This section also includes cover for Complementary Treatment as recommended by Your Vet while Your pet remains insured with Us.
Definition of complementary treatment in policy wording: Means any Treatment involving physiotherapy, hydrotherapy, osteopathy, chiropractic manipulation, acupuncture, laser therapy, homoeopathy or herbal medicines recommended by Your Vet, and carried out by a suitably qualified person that has been specifically recommended by Your Vet.
Quotes & Policies
FAQs
We have four different policy types.
Our Lifetime pet insurance, also known as Reinstatement, covers vet fees up to the policy limit for each separate condition year after year for your pet’s life.
Our Maximum Benefit/Per Condition policy covers your pet’s vet fees for a fixed amount per condition until you have reached the Condition Limit and all premiums are paid up to date.
Our Time Limited Insurance Covers Vet fees for 12 months.
An Accident Only policy, provides vet fee cover for a sudden, unforeseen accidental injury that may occur.
For more information on our policies and policy types please read our guide to pet insurance policy types explained
If you would like to take out cover for your pet, we make it as easy as possible for you. Click the ‘Get a quote’ button at the top or bottom of this site. When applying you will be asked some questions about yourself and your pet.
If you have any questions and would like to speak to us, you can call us on 01992 667 330 (Monday-Friday 9am-5pm)
We offer a 15% discount for multi-pets. Please note that all policies must be taken out directly and at the same time. Accident Only and Third Party Liability Only policies are excluded from the multi-pet discount offer.
We don’t have upper age limits on our policies, however, to help us keep premiums low, a co-payment is applied to your policy once your dog becomes 8 or your cat becomes 10 years old.
Our co-payment of 15% of each claim, in addition to the Excess, that is deducted from the applicable policy limit is one of the lowest on the market.
We do not provide cover for any of these breeds, or any breeds crossed with these.
Dog breeds:
African Crested Dog, Akita, Alapaha Blue Blood Bulldog, Alaskan Husky, Alaskan Malamute, American Bandogge, American Bulldog, American Mancon, American Pit Bull Terrier, American Staffordshire Terrier, Anatolian Shepherd Dog (Karabash), Argentinian Mastiff, Australian Dingo, Bandogge Mastiff, Bandogs, Boar Hounds, Boerboel, Bucovina Shepherd Dog, Bully Kutta, Canadian Inuit, Canary Dog, Cane Corso, Cao Fila, Caucasian Ovcharka, Chinese Shar Pei, Chinese Chongqing, Chow Chow, Cirneco Dell Etna, Czechoslovakian Wolfdog, Dingo, Dogo Argentino, Dogue Brasileros, Dogue de Bordeaux, Fila Braziliero, Grand Bleu de Gascoigne, Great Dane, Gull Dong, Husky, Inuit, Irish Staffordshire Bull Terrier, Indian Pariah Dog, Japanese Tosa, Kangal Shepherd Dog (Kangal), Korean Jindo, Laika, Lybian Desert Dog, Neapolitan Mastiff, Mexican Hairless (Standard), Mexican Hairless Intermediate, Mexican Hairless (Miniature), Northern Inuit Dog, Perro De Pressa Canario, Pit Bull Terrier, Portuguese Podengo, Pressa Canario, Racing Greyhound, Raccoon Dog, Romanian Raven Shepherd Dog, Saarloos Wolfhound, Sabueso Español (Spanish Scenthound), Segugios Italiano, Shar Pei, Thai Ridgeback, Tamaskan, Tibetan Mastiff, Tosa Inu, Utonagan, Wolf Dog, Wolf Hybrid, Working Sheepdog, XL Bully.
Cat breeds:
Asian Leopard Cat
Payment
FAQs
Perfect Pet Insurance offers both annual payments (by card) and monthly payments (by direct debit.) We do not charge you extra if you choose to pay by direct debit.
We accept all major credit and debit cards.
Your first premium is usually debited around 10 working days from your policy start date.
You can change the date your direct debit is taken; we ask you to contact us within 10 days of your next payment date to enable us to accommodate to the date you require. Please note that you can only change your direct debit date after your first payment has been taken.
In order to make a claim your policy premiums must be up to date with no break in cover.
You can change your payment details by contacting our team or logging into your customer portal. Please note that if the new payment details are not in your name, we will require the bank account holder to confirm that they are happy for their details to be used on your policy.