Perfect Pet Insurance Review – Forbes Advisor UK
Who are the perfect animals?
Perfect Pet is a pet insurer that offers pet insurance for dogs and cats from just four weeks old, with no upper age limit for older pets.
The provider has been in business for over 20 years and pays 97% of claims within five business days. It offers a 10% multi-animal discount for policies purchased online, directly and at the same time.
Based in Salisbury, Perfect Pet is a trading name of Tedaisy Insurance Brokers Ltd.
Tedaisy Insurance Brokers Ltd is an appointed representative of Tedaisy Underwriting Ltd which is authorized and regulated by the Financial Conduct Authority.
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Should I consider Perfect Pet?
Perfect Pet offers pet insurance for dogs and cats, with cover available from four weeks old and no upper age limit.
For dogs, it offers liability-only, accident-only, limited-time, maximum-benefit, and lifetime policies.
For cats, it offers accident-only, time-limited, maximum-benefit, and lifetime insurance policies.
Lifetime policies from Perfect Pet have no fixed annual limit. Instead, it applies a limit to the amount you can claim for vet fees on a “per condition” basis. For example, the Elite Extra policy covers up to £4,000 per condition.
Other benefits include emergency boarding, theft or misplacement, and vacation cancellation.
How to contact Perfect Pet
You can contact Perfect Pet by phone from 9 a.m. to 5 p.m. Monday through Friday, but it is closed on weekends and holidays.
Alternatively, Perfect Pet can be contacted by email with a response within 48 hours. Full contact details can be found on the Perfect Pet website.
Perfect Pet can also be found on Facebook, Instagram and Twitter.
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Getting affordable pet insurance is important, but there are also a number of other factors you’ll need to consider. Choosing the cheapest policy you can find doesn’t necessarily mean it offers the best protection and could put your pet at risk of underinsurance.
When it comes to pet insurance, “lifetime” pet insurance is the most comprehensive, and therefore most expensive, coverage option. It gives you a maximum claim limit, per condition, per year, per pet. If you renew the policy every 12 months, the coverage resets.
Each pet insurance policy offers different levels of cover for the most common types of claims, so it’s important to factor that into your comparison.
The most important part of a pet insurance policy is the coverage for veterinary expenses. Perfect Pet covers up to £4,000 per year per condition for dogs and cats, depending on the policy taken out. There is no limit to the number of conditions that can be claimed.
Pre-existing conditions are not covered by pet insurance policies. But if you take out a lifetime policy when your pets are young, before they were diagnosed with any medical conditions, you’ll be covered for all ongoing conditions if you keep renewing the policy every year. However, these conditions will not be covered if you change providers.
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Pet insurance isn’t mandatory, but it can save you money in the long run if you own a dog or cat. Without coverage, vet fees can be expensive for routine and emergency treatments. If you own a dog, liability coverage is essential if your dog injures someone or causes an accident.
Pet insurance is a competitive market, with insurers trying to outbid price and coverage in an effort to win your business. You can use this to your advantage by looking for the best deal.
If you have more than one pet, you may be able to save money by opting for a multi-pet insurance policy.
As part of your comparison, it’s also a good idea to research customer reviews on sites like TrustPilot to see how existing policyholders rate their coverage and customer service. Defaqto also awards stars to pet insurers, which can be a good indication of the service they provide.