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Perfect Pet Insurance Review – Forbes Advisor UK

Who are Perfect Pets?

Perfect Pet is a pet insurer which 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 more than 20 years and pays 97% of claims within five working days. It offers a 10% multi-pet discount for policies purchased online, direct 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 third party liability only, accident only, limited time, maximum benefit, and lifetime cover policies.

For cats, it offers accident only, limited time, maximum benefit, and lifetime cover policies.

Perfect Pet’s lifetime policies don’t have a fixed annual limit. Instead, it applies a limit on the amount you can claim for vets’ 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 straying and holiday cancellation.

How to contact Perfect Pet

You can contact Perfect Pet by phone from 9am to 5pm Monday to Friday, but it’s closed on weekends and Bank Holidays.

Alternatively, Perfect Pet can be contacted by email with a response within 48 hours. Full contact details can be found at the Perfect Pet website.

Perfect Pet can also be found on Facebook, Instagram and Twitter.

Find the best pet cover for you

Getting affordable pet insurance is important, but there are also a number of other factors you will need to consider. Choosing the cheapest policy you find won’t necessarily mean it offers the best protection and could put your pet at risk of being underinsured.

When it comes to pet insurance, ‘lifetime’ pet insurance is the most comprehensive cover option, and therefore the most expensive. It gives you a maximum claim limit, per condition, per year, per pet. If you renew the policy every 12 months, the cover resets.

Every pet insurance policy provides different levels of cover for the most common types of claim, so it’s important to make this part of your comparison.

The most important part of a pet insurance policy is cover for vets’ fees. Perfect Pet covers up to £4,000 a year per condition for both dogs and cats, depending on the policy purchased. There’s no limit on the number of conditions that can be claimed for.

Pre-existing conditions are not covered by pet insurance policies. But if you take a lifetime policy out when your pets are young, before they have been diagnosed with any medical conditions, you’ll be covered for any ongoing conditions if you keep renewing the policy each year. However, these conditions won’t be covered if you change provider.

Compare pet insurers and providers

Pet insurance isn’t compulsory, but it can save you money in the long run if you own a dog or cat. Without cover, vets’ fees can be expensive for both routine and emergency treatment. If you own a dog, public liability cover is vital if your dog injures someone or causes an accident.

Pet insurance is a competitive market, with insurers trying to outbid each other on price and cover in a bid to win your business. You can use this to your advantage by shopping around 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 is also a good idea to look for customer reviews on sites such as TrustPilot to see how existing policyholders rate their cover and customer service. Defaqto also gives star ratings to pet insurance providers which can be a good indication of the service they offer.

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