Pet insurance policy types explained

Pet insurance can confusing, especially if you’re buying a policy for the first time. We’ve created this guide to explain the different types of pet insurance we offer and how these policies work in real life situations. We hope it helps!

Reinstatement Pet Insurance, often known as a
Lifetime Pet Insurance

What is a Reinstatement policy, also known as a Lifetime policy?

Reinstatement also known as Lifetime Pet insurance covers Vet fees up to the policy limit for each separate condition year after year for your pet’s life. Our Reinstated or Lifetime policies cover short and long-term illnesses that your pet may develop.
As long as you renew your policy with us each year and your premiums are up to date and your insurer offers renewal, your policy limit renews.

Your pet will have access to the continuous cover for any conditions presented after you took the policy out with Perfect Pet. The good news is there is no limit on the amount of conditions you can claim for.

A few benefits we offer on the Reinstatement policies we offer-

- There is no limit as to the number of conditions that can be claimed.
- We do not restrict the age we insure your pet up to
- Claims process is as easy as submitting a form by email with the full medical history and invoices within 90 days of treatment you are claiming for. You can find out more about how to make a claim by following a link to our claims process page

Why not take a further look at the benefits we offer in more detail on our Reinstatement policies we offer today……

Barry's Story

Barry's Story

Here is Barry. Barry has just been diagnosed with arthritis. Fortunately, Barry’s owner Sharon had purchased a Reinstatement policy called Elite Extra. He is covered for up to £4,000.00 per condition, per policy year less his policy excess of £90.00. Barry is 3 years old and will require medication for the rest of his life.

Because Barry’s policy was taken out 2 years ago and he never had any signs and symptoms before, Perfect Pet Insurance will continue to cover these costs year after year for him providing all premiums are paid and that the policy is renewed yearly.

Maximum Benefit Insurance

What is Maximum Benefit policy?

Our Maximum Benefit/Per Condition policy covers your pets Vet fees for a fixed amount per condition until you have reached the Condition Limit and all premiums are paid up to date. If your limit hasn’t been reached in one policy year you will need to renew your policy to continue receiving payments towards your claims.

Once you have reached the Condition Limit, we would then not cover the same condition again or anything associated or relating to that condition.
Depending on the condition and amount this may last for a few years and the good news is there are no limit on the amount of conditions you can claim for.

A few benefits we offer on the Maximum Benefit policies-

- There is no limit as to the number of conditions that can be claimed.
- We do not restrict the age we insure your pet up to
- Claims process is as easy as submitting a form by email with the full medical history and invoices within 90 days of treatment you are claiming for. You can find out more about how to make a claim by following a link to our claims process page

Why not take a further look at the benefits we offer in more detail on our Maximum Benefit policies we offer……

Lenny's Story

Here is Lenny, he is currently on the Vital Extra Policy. Lenny’s owner Ellie
had noticed he had been licking excessively and had red skin. When Lenny went to the vets, they advised they needed to run tests to confirm if Lenny has Skin allergies. Lenny is covered for up to £4,000 per condition, less the policy
excess of £90.00 which is deducted per condition, per policy year.

The medication the Vets have suggested needs to be prescribed monthly initially for a few months. As Lenny is on the Vital Extra there is no time frame to claim up to the £4,000.00 limit on his policy, providing the premium is paid and the policy is renewed. If Lenny reaches the policy limits, he will no longer be covered for this condition, or anything associated or relating to this condition again.

Lenny's Story

Time Limited Insurance

What is a Time Limited policy?

Time Limited Insurance Covers Vet fees for 12 months.
A Time Limited policy means you can claim for an accident or illness up to a maximum of 365 days from when you first noticed signs and symptoms of the condition. As long as you renew your policy with us each year and your premiums are up to date.

Cover for a condition will cease once the 12 months has passed, or the benefit limit has been reached, which happens first. Once you have reached the Condition Limit, we would then not cover the same condition again or anything associated or relating to that condition. Even for future renewals.

A few benefits we offer on the Time Limited policies-

- There is no limit as to the number of conditions that can be claimed.
- We do not restrict the age we insure your pet up to
- Claims process is as easy as submitting a form by email with the full medical history and invoices within 90 days of treatment you are claiming for. You can find out more about how to make a claim by following a link to our claims process page

Why not take a further look at the benefits we offer in more detail on our Time limited policies we offer today……

Frankie's Story

Frankie's Story

Here is Frankie, Frankie has an Essential Policy. Frankie began vomiting one evening and continued to do this all night. Cameron his owner was worried as this continued for a long length of time and thought it was best that he visits his vet. The Vets kept Frankie in overnight and gave antibiotics to the treat the condition. The claim came to £615.00 in total. Frankie is covered for up to £1,000.00 per condition, less the policy excess of £90.00 which is deducted per condition, per policy year. As Frankie did not require any further treatment, the condition limit was not reached. If Frankie had required additional treatment, he would have been covered for either up to £1,000.00 or up to 365 days after the date the incident occurred. A year has now passed and luckily Frankie has not required anything further for this issue. He is now no longer covered for this condition or anything relating to this condition again as it occurred over 365 days ago.

Accident Only Insurance

What is an Accident Only policy?

Accident Only Insurance covers only Vet’s fees as a result of an accidental injury.
An Accident Only policy, provides cover for a sudden, unforeseen accidental injury that may arise.
This policy does not provide cover for any illnesses that your pet may develop.
An Accident Only policy is a Time Limited policy, which means you can claim for an accident up to a maximum of 365 days from the accidental injury.

Once the 12 months has passed, or the benefit limit has been reached no further cover will be provided for that condition, even for future renewals.

A few benefits we offer on the Accident Only policy-

- There is no limit as to the number of conditions that can be claimed.
- We do not restrict the age we insure your pet up to
- Claims process is as easy as submitting a form by email with the full medical history and invoices within 90 days of treatment you are claiming for. You can find out more about how to make a claim by following a link to our claims process page

Why not take a further look at the benefits we offer in more detail on the Accident Only policy we offer today……

Cleo's Story

Here is Cleo, she is on the Accident Only.
Unfortunately, Cleo was involved in a Road traffic accident and hurt her left back leg.

Cleo required treatment, her owners Jodie and Scott took her to the vets straight away. Her vet bill’s cost £652.00 in total.

Cleo’s policy limit is £1000.00 less her policy excess of £90.00 and co-payment of 15% due to her being over the age of 10. This cover was perfect as this was an unforeseen accident and helped with her Vet bill. As the Accident Only policy is a 'Time Limited' policy, Cleo will now no longer be covered for this issue or anything relating to this issue again.

Cleo's Story

Public Liability Insurance

What is a Public Liability policy?

Public Liability cover looks to provide cover for damages and legal costs where you are found liable in the event your dog causes death, injury, or property damage.

Also known as Third-Party liability insurance, offers a substantial policy limit as these claims can be very costly.

Our Public Liability Only covers Third Party Liability for dogs only, as cats have different rules. No other cover is provided other than the Third-Party Liability.

A few benefits we offer on Third-Party Liability-

- We do not restrict the age we insure your pet up to
- Claims process is as easy as submitting a form by email with the full medical history, series of events and invoices within 90 days of treatment you are claiming for. You can find out more about how to make a claim by following a link to our claims process page

Why not take a further look at the benefits we offer on the Public Liability policy we offer today……

Hector's Story

Hector's Story

Hector is currently on the Third-Party Liability cover.
Hector was on a walk with his parents Jade and Oliver when they bumped
into an old friend. Hector was excited and pulled up whilst on his lead and managed to push their friend over.

Unfortunately, this resulted in their friend injuring their arm and wanting compensation for at the cost of over £2,000. Luckily Hector had Public Liability cover and Jade contacted Perfect Pet Insurance straight away to request information on how to claim for this, the agent confirmed how to make a claim and informed that their policy limit was £1million pounds less the policy excess of £250.00.

A few benefits that
Perfect Pet policies include are:

There is no limit as to the number of conditions that can be claimed.

We do not restrict the age we insure your pet up to

Claims process is as easy as submitting a form by email with the full medical history and invoices within 90 days of treatment you are claiming for. You can find out more about how to make a claim by following a link to our claims process page