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Perfect Pet Insurance: Pet Insurance reviews

View other Perfect Pet Insurance products
4.72
Based on 1,748 reviews, last reviewed 27th Jan 2026
99% decrease in 5 star reviews
in the past 90 days
89% 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

Spoke to a polite, native speaker. Spoke to a polite, native speaker. Service was a little slow but that wasnt a problem. Resolution made with common sense, that was a plus. Reviewed on: 15th January 2026
Jim's avatar
Jim

Latest lowest rating:

1

Disgraceful company, will do anything to not pay out... Disgraceful company, will do anything to not pay out for a genuine claim. Our dog had surgery in 2022 but it was noted his ears needed cleaning. Becau... Read more Reviewed on: 27th January 2026
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Philip
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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.

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Perfect Pet Insurance Pet Insurance reviews (1748)

They REFUSED TO ACCEPT OUR CLAIM for my dogs cancer...

1
They REFUSED TO ACCEPT OUR CLAIM for my dogs cancer treatment. They stated because it was on his mouth we were not covered even though he had cancer. We had their top cover too. The vets could not believe it. Go with a company that actually cares Reviewed on: 7th March 2024
Keith B's avatar
Keith B

DO NOT GO WITH PERFECT PET INSURANCE

1
I have been with perfect pet insurance for 6 years & never missed a payment & never claimed until October 2023. My vets fees came to £700. I put my claim in & was not kept informed or upto date on my claim. I rang multiple times on one occassion the man on the phone seemed to have no idea what was going on either. 4 months later I recieve £248 back. I rang them to see where the rest of the claim was as I was expecting £600 back after excess. They informed me that I would only be getting £248 back because my vet trip was deemed 'not life threatening' (my dog was stryggling to breathe & violently shaking) I then asked to cancel my policy which I was told I could not do! Until the policy ends in 6 months. So not only did this company who I have paid every month for 6YEARS refuse to pay out on the 1 claim I made but then tell me I have to carry on paying them £35 a month until my policy ends. I am a single hoisehold & something like this hits financially hard. I am disgusted that this is legal & allowed to go on. Please do not go with perfect pet insurance I am devastated that I now not only have to struggle without the claims money back but pay them for the pleasure for the next 6 months. It is daylight robbery & needs to be boycoted. Reviewed on: 4th March 2024
Holly G's avatar
Holly G

They wriggle out of playing claims by creating judge...

1
They wriggle out of playing claims by creating judgement calls. A customer has no chance. Reviewed on: 9th February 2024
Gordon D's avatar
Gordon D

Wouldn’t even give 1 star

1
I am absolutely appalled by my dogs insurance company (perfect pet) I had an out of the blue, emergency appointment on the 19th of January as my dog woke up with an eye ulcer which can be very painful. The vet charged me an arm and a leg as you can imagine. I tried to claim with them to which they said they would send out a claims form as I struggled to do it online. They never sent it. Anyway I’ve called them up and they said I missed my premium payment a few days after I had to pay out the vet bill. I explained this would have been because of that specific payment and at the time I couldn’t even get food for my 3yr old daughter. but that I am going to pay it this coming Friday. They said that because I missed a payment and there has been a change in Millie’s health that they are cancelling my policy and won’t be able to offer cover. I am at loss for words. No compassion at all. I’ve been with them almost a year and no issues with Millie, then as soon as there is an issue and I miss ONE payment which I explained I would be paying when I’m next paid (2 weeks after the payment was due) they decide they want to wash their hands with me. the heartbreaking part is Millie’s eye is still not any better and I am so worried. Now I haven’t even got cover for her and worried how I’m going to get her any additional help. Reviewed on: 8th February 2024
Abbie's avatar
Abbie

I strongly discourage anyone from getting perfect pe...

1
I strongly discourage anyone from getting perfect pet insurance. Having never claimed for my 10 yrs old dog. They have been completely obstructive and are refusing to pay out for an insurance claim I have made. The reason they have given is that I put my rescue dog down as a mongrel ( which she is ) . The vet documented her as staffy X. For this reason they will only give me 44.19% of the total bill which is £1400. Do NOT go with this company. Reviewed on: 23rd January 2024
Rebecca R's avatar
Rebecca R

DISGUSTING!

1
DISGUSTING!!! Do not touch this company in any way… Do not touch this company in any way shape or form, they are disgusting and a complete disgrace, I have had my dog insured with them for a couple of terms now, my tiny little whippet cross, with no issues, she had a slight wobble in which I had to take her to the emergency vet, anyway, it was just a blocked salivery gland, it all cost me about £500, anyway, everything submitted by my vet, since then, all they have done is try to wriggle out of paying out at every turn, even telling me I had the wrong breed of dog insured!!!! And tried to double my policy monthly payments, last week they said this, and they were not paying out, and I owed them 55 percent, plus 15 percent of what I had paid for her treatment then bang my policy payment goes right up!! The customer service is diabolical, they don't get back to you, takes ages, they don't answer you never dealt with such a bad company, so I told them I cannot afford the massive hike in my policy and I will have to cancel, so now I've just received a completely contradicting email saying they accept my claim, but can't pay me out as I have not stayed at the inflated ammendment to the monthly price, so they have forced me to cancel and then told me that they won't pay out. Hence the reason I'm seeking legal advice and contacting the FCA and ombudsman, they will not get away with this. Please please do not use this company. Go elsewhere! Thought I was in safe hands, so they have been taking my money every month, and Tia it seems was not even insured, so I will be clawing back every payment as it was like I've just been giving them my money every month for no reason...... Fully expecting a smart ass response, but believe me people, STAY AWAY Reviewed on: 17th January 2024
tianS's avatar
tianS

******AVOID - THEY WILL CON YOU******

1
Trusted this bunch with my Pets health. They took my money for a long while and then refused to pay out on a flimsy technicality. ******AVOID - THEY WILL CON YOU****** Reviewed on: 20th December 2023
James Y's avatar
James Y

No pre authorisation service

1
There is no pre authorisation process with this insurer which therefore made the policy useless to us Reviewed on: 30th November 2023
Dee's avatar
Dee

Dodgy As They Coe - DO NOT USE THIS COMSNY

1
Funny when you look at the company at first glance the ratings are really good ... However look a little closer all the good reviews are from people who have just taken a policy out no doubt send them a voucher to write a good review .... Not one from anyone who has actually received any cash for a claim ... Without going into to much detail I put in a claim this week due to dog being diagnosed with a Mass Cell Tumor as if that wasn't enough to deal with the claim has been refused due to the fact last year the vet noticed a ZIT on my dogs back ... Yes a ZIT on my dogs back so now any lumps are deemed a pre existing condition - How keratin turns to cancer is a new one on me I have spoken to my Vet who also advised that the two lumps are not connected in any way this company are run by crooks who look for any reason not to pay out ..... I shall be taking the claim to the Ombudsman seeing as I am £1,500 out of pocket - Perfectpets you should be ashamed of yourselves They've also been reported to Watchdog by several customers - I'll be contacting them again See Below Perfect Pet Insurance Watchdog heard from some Perfect Pet Insurance customers who were unhappy that Perfect Pet had either rejected or made deductions from their claims, despite each of their vets being of the opinion they should have paid out. Reviewed on: 17th November 2023
Tracey's avatar
Tracey

After death left with remaining contract

3
Unfortunately my dog got an aggressive cancer later in his life (12). He passed away fairly suddenly. We have NEVER made 1 claim in all them years previously. They don't pay your vet direct so we have to beg, borrow & steal (figure of speech) to help our beloved pet in his time off need (almost 1000 £), & then when we tried to claim cost back we were informed that we are tied into the contract (majority of the year left) so basically we have ended up at a massive financial loss. This has been an extra devastating blow just before Xmas & when we are already absolutely heartbroken at the loss of our boy. Positives: each staff member we've spoken to over the phone have been pleasant, obviously they're just doing their job. I wouldn't use this insurer in the future. Probably saver to go with petplan & pay a little more each month. Pet plan also pay your vet upfront. We live & learn.... Reviewed on: 17th November 2023
jess litherland's avatar
jess litherland

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