Compare pet insurance plans for dogs and cats
Find a variety of pet insurance plans at Perfect Pet from Lifetime Cover to Accident Only policies
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15%
online multi- pet discount
Compare our different types of pet insurance plans
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 Cover
(Also known as Reinstatement Cover)
Cover that provides ongoing protection for your pet against acute and chronic conditions for the duration of its life. When the policy renews each year, so will the benefit limit that you can claim for vet fees per condition. T&Cs apply.
| Benefits: | Elite Benefit limit per claim: | Elite Extra Benefit limit per claim: |
|---|---|---|
| Vet Fees | £1,000 | £4,000 |
| Third Party Liability | £1,500,000 | £2,500,000 |
| Death from Illness / Accidental Injury | £500 | £1,000 |
| Overseas Holiday Cover | £500 | £1,000 |
| Holiday Cancellation | £500 | £1,000 |
| Theft or Straying | £500 | £1,000 |
| Advertising and Reward | £500 | £1,000 |
| Emergency Boarding (Kennel/ Cattery) Fees | £500 | £1,000 |
| Excess | £90 per claim except for Third Party Liability claims where an excess of £250 per claim applies. |
Maximum Benefit Cover
Claim for vet fees to treat accidental injuries and illnesses up to a pre-set limit with no time restriction. Once you have exhausted the benefit limit, you won't be able to claim for that particular condition again, even when the policy renews. T&Cs apply.
| Benefits: | Vital Benefit limit per claim: | Vital Extra Benefit limit per claim: |
|---|---|---|
| Vet Fees | £1,000 | £4,000 |
| Third Party Liability | £1,000,000 | £1,500,000 |
| Death from Illness / Accidental Injury | £500 | £750 |
| Overseas Holiday Cover | £500 | £750 |
| Holiday Cancellation | £500 | £750 |
| Theft or Straying | £500 | £750 |
| Advertising and Reward | £500 | £750 |
| Emergency Boarding (Kennel/ Cattery) Fees | £500 | £750 |
| Excess | £90 per claim except for Third Party Liability claims where an excess of £250 per claim applies. |
Time Limited Cover
Insurance that covers vet fees for accidents and illness for a limited period of time. Claim vet treatment costs up to 365 days from the first symptom and/or clinical sign was noticed, or treatment started, whichever happens first. Once the 12 months has passed or the benefit limit reached, no further cover for that condition is provided, even for future renewals. T&Cs apply.
| Benefits: | Essential Benefit limit per claim: | Essential Extra Benefit limit per claim: |
|---|---|---|
| Vet Fees | £1,000 | £2,500 |
| Third Party Liability | £1,000,000 | £1,500,000 |
| Death from Illness / Accidental Injury | £250 | £500 |
| Overseas Holiday Cover | £250 | £500 |
| Holiday Cancellation | £250 | £500 |
| Theft or Straying | £250 | £500 |
| Advertising and Reward | £250 | £500 |
| Emergency Boarding (Kennel/ Cattery) Fees | £250 | £500 |
| Excess | £90 per claim except for Third Party Liability claims where an excess of £250 per claim applies. |
Accident Only
Cover that provides treatment for your pet in the event of a sudden and unexpected accidental injury. Cover for illness is not included. T&Cs apply.
Third Party Liability Only
(Dogs only)
Cover that provides protection in the event that your dog causes accidental injury or damage to a person or their property, where you are liable. T&Cs apply.
| Benefits: | Accident Only Benefit limit per claim: | Third Party Liability Only Benefit limit per claim: |
|---|---|---|
| Vet Fees | £1,000 | / |
| Third Party Liability | / | £1,000,000 |
| Death from Illness / Accidental Injury | / | / |
| Overseas Holiday Cover | / | / |
| Holiday Cancellation | / | / |
| Theft or Straying | / | / |
| Advertising and Reward | / | / |
| Emergency Boarding (Kennel/ Cattery) Fees | / | / |
| Excess | £90 per claim. | £250 per claim. |
Pet insurance price comparison
When comparing pet insurance, it’s recommended that you do not base your decision to buy a policy on price alone but choose cover that best meets you and your pet’s needs. That said, you may be wondering about the difference in price between different types of pet insurance. The answer is, the more comprehensive the cover and the higher the benefit limits, the greater the premium. Our Lifetime policies Elite and Elite Extra offer more comprehensive coverage compared to our other plans, whereas Accident Only and Third-Party Liability Only plans provide limited cover, and are therefore cheaper.
Compare pet insurance quotes online
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.
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.
Pet insurance comparison when you have multiple pets
Insurance costs can soon mount up when you have multiple pets. It can also be frustrating and time consuming when searching for pet insurance quotes to have to repeat the application process, compare cover and purchase separate policies for all your pets. Which is why we have created a multi-pet quotation journey to save you time and money. You can tell us about each of your pets in one simple online application. What’s more, a 15%* multi-pet discount will be applied at checkout when buying Elite, Elite Extra, Vital, Vital Extra, Essential, or Essential Extra policies.
*Multi Pet policies must be purchased direct and at the same time. Third Party Liability Only and Accident Only policies are excluded from the multi-pet discount offer.
