Smart Money People Logo
Go to business site
Share this page
Link copied

Perfect Pet Insurance: Pet Insurance reviews

View other Perfect Pet Insurance products
4.73
Based on 1,746 reviews, last reviewed 3rd Dec 2025
76% decrease in 5 star reviews
in the past 90 days
36% decrease in 1 star reviews
in the past 90 days
See only 5 star reviews
90%
See only 4 star reviews
5%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
4%

Latest highest rating:

5

Connor sorted my direct debit issue quickly and assu... Connor sorted my direct debit issue quickly and assured me it would be resolved Reviewed on: 20th November 2025
Kamila M's avatar
Kamila M

Latest lowest rating:

1

Avoid at all costs. The majority of high ratings from customers seem based on cost of the insurance - and Perfect Pet are certainly competitive. If my personal experience... Read more Reviewed on: 3rd December 2025
Smith 's avatar
Smith
Visit provider site Read all reviews Write a review

About this product

Perfect Pet offer pet insurance for dogs and cats.

Perfect Pet insurance for dogs and cats can start from just four weeks old, with no upper age limit for pets in their senior years. 97% of claims are paid in just five working days and if the vet accepts, payments can be made direct to them.

Perfect Pet insurance reviews help you find out what it’s really like to be a customer. If you’ve used Perfect Pet before, you can also leave a review and share your experience.

Review Perfect Pet Insurance: Pet Insurance now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Perfect Pet Insurance Pet Insurance reviews (1746)

AVOID - This business will do anything to avoid payi...

1
AVOID - This business will do anything to avoid paying out, and I mean anything!! Reviewed on: 21st September 2025
Joanne Knowles 's avatar
Joanne Knowles

Hidden Exclusions This Policy is Worthless in Emergency

1
WARNING: A premium pet insurance policy contains critical exclusions buried in its 31-page document, which are completely absent from the IPID summary designed to help consumers compare policies. This could leave your pet unprotected and you with significant, unexpected costs. Nearly two years ago, I selected Perfect Pet's Elite Extra policy, assuming its higher price equated to superior coverage. After comparing providers, checking the IPID for key information, and navigating the dense 31-page, 19,000-word policy document, I felt secure in my choice and even recommended it to others. To anyone I recommended it to, I sincerely apologise. I, like you, was led to believe I had purchased high coverage that would provide peace of mind in any circumstance. I was mistaken. My dog one evening developed a severe cough, hacking, and difficulty breathing, audible down the street. Fearing he was choking or in immediate danger, I rushed him to the only available out-of-hours vet. He received an injection for throat inflammation, take-home medication, and a diagnosis of possible kennel cough. While not typically life-threatening, kennel cough can sound horrific and can escalate to serious conditions like pneumonia. I paid the £445 vet bill, expecting my insurance to cover the majority after my excess. However, the claim was largely rejected. Perfect Pet paid only £35 of the £313 consultation fee and initially refused to cover 49% of the medication costs. This rejection exposed two major exclusions hidden deep within the policy document, both conspicuously missing from the IPID summary. The first critical exclusion, on page 17, states: "Any out of hours vet fees, except where this is life saving for your pet." This effectively means your pet is only insured during normal clinic hours, roughly 40-50 hours per week. For the remaining 120+ hours when regular vets are closed, your pet is essentially uninsured unless you meet Perfect Pet's undefined "life-saving" criteria. The term is not defined, allowing the company to judge your situation with the benefit of hindsight based on the final diagnosis. For example, a dog with a broken leg at 7pm might not be deemed a "life-saving" emergency, forcing you to wait 13 hours for a regular vet. The irony is that by seeking early treatment before my dog's kennel cough could become life-threatening pneumonia, Had I waited for his condition to worsen, the claim might have been approved. The second exclusion, on page 25, says: "We may limit any payment to a maximum mark-up of 100% for veterinary treatment, medication and dispensing fees." Since emergency vets often have higher mark-ups to cover their costs, this clause essentially denies full coverage for medication when it is needed most urgently. After I complained, the company paid the outstanding 51% as a "gesture of goodwill," admitting their terms "could have been made clearer." The FCA created the Insurance Product Information Document (IPID) specifically so that consumers could clearly see and compare key exclusions. By omitting its most significant limitation the lack of out-of-hours cover Perfect Pet's IPID is misleading. Such policies could deter owners from seeking emergency care they cannot afford upfront, leaving pets to suffer. Further issues included a nearly month-long delay with no updates, a false claim that my vet hadn't sent the required medical history (despite email proof), and an outdated claims process requiring paper forms with no online tracking. In stark contrast, my girlfriend's cheaper Argos policy recently paid out a claim for her dog's emergency treatment quickly via a simple online portal. In conclusion, I paid a premium for what I believed was top-tier coverage, but instead received part-time insurance governed by arbitrary, undefined exclusions. I am filing a complaint with the Financial Ombudsman, not for my own benefit, but to hopefully force a change so future customers can make a truly informed decision. Responsible pet owners seeking genuine peace of mind should look elsewhere. Reviewed on: 20th September 2025
Brad Fullwood's avatar
Brad Fullwood

Excellent made so easy this is my third year with yo...

5
Excellent made so easy this is my third year with you no other company can compare especially the lady on the phone who was more than helpful. Many thanks L Clayton Reviewed on: 19th September 2025
Linda c's avatar
Linda c

Perfect Pet have been super helpful and quick to res...

5
Perfect Pet have been super helpful and quick to respond, as well as being empathetic to my situation. Very happy customer! Reviewed on: 18th September 2025
PIP's avatar
PIP

Paid every claim without quibble

5
Paid every claim without quibble Reviewed on: 17th September 2025
Karen j's avatar
Karen j

Brilliant service great value pet insurance

5
Brilliant service great value pet insurance Reviewed on: 16th September 2025
Charlotte G's avatar
Charlotte G

Brilliant customer service

5
Brilliant customer service from Perfect Pet Insurance Reviewed on: 16th September 2025
Chuck S's avatar
Chuck S

Great customer service, friendly staff

5
Great customer service, friendly staff Reviewed on: 16th September 2025
Shannonbailey's avatar
Shannonbailey

Excellent service, would highly recommend Perfect Pe...

5
Excellent service, would highly recommend Perfect Pet Insurance Reviewed on: 16th September 2025
Valerie's avatar
Valerie

Lewi was excellent and helped me with my query

5
Lewi was excellent and helped me with my query Reviewed on: 16th September 2025
Corey J's avatar
Corey J

Review Perfect Pet Insurance: Pet Insurance now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill