Perfect Pet insurance review
Last updated
Verdict
Perfect Pet is a long-running UK broker whose lifetime cover works on per-condition limits — up to £5,000 per condition, per year on Elite Extra Plus — with a low fixed £90 excess and no upper age limit at sign-up. Underwriting sits in-house with the Tedaisy insurance group, of which Perfect Pet is a part. The trade-offs are no app, a phone-and-email service model, and smaller brand recognition than the high-street names. A quietly capable choice for older pets and owners who value a low, predictable excess.
Get a quote at Perfect Pet →At a glance
- Founded
- 2008
- Underwriter
- Tedaisy Underwriting Limited
- Cover style
- Multiple plan styles (Accident Only, Time Limited, Lifetime)
- Vet-fee limit
- Up to £5,000 per condition, per year on Lifetime Elite Extra Plus
- Excess from
- From £90
- Dental cover
- Partial
- Behavioural cover
- Partial
- Mobile app
- No
- Direct vet payment
- Yes
- Multi-pet discount
- Multi-pet discount applied at quote
- Max new-policy age
- No upper age limit, including on lifetime cover
Limits change. Always confirm current figures on the Perfect Pet website before buying.
Pros and cons
Pros
- + No upper age limit, even on lifetime policies
- + Per-condition limits reinstated every year on lifetime plans
- + Direct vet payment available at most practices
- + Low fixed £90 excess with interest-free monthly payments
Cons
- − No app and a phone-and-email-led service model
- − Per-condition limits are lower than the annual pots at specialist rivals
- − Brand recognition lower than mainstream tiered insurers
The full review
Who Perfect Pet is
Perfect Pet has been writing UK pet insurance since 2008 as a broker brand, and is part of the Tedaisy insurance group, with underwriting handled in-house by Tedaisy Underwriting Limited. The group runs both the brand and the risk, which keeps the claims chain short even if the front-end brand is less well known.
The pitch is essentially this: get the same underwriting as the household-name brands, often at a better price, with a notably high vet-fee limit on the lifetime tier. The trade-off is brand familiarity — you do not see Perfect Pet adverts on television.
What you actually get
A range of plan styles: Accident Only, Time Limited and Lifetime. The Lifetime tiers work on per-condition limits — up to £5,000 per condition, per year on Elite Extra Plus — reinstated at each renewal. The excess is a low fixed £90, and there is no upper age limit at sign-up, even on lifetime cover. Direct vet payment is available at participating practices.
Dental and behavioural cover are included on a partial basis subject to the tier and the IPID terms. Read the policy wording before buying — the dental and routine-care conditions are the most common surprises with mid-market brokers.
Claims experience
Claims are filed by phone, online form and post. There is no app. The Tedaisy group handles the underlying processing in-house. Independent reviews show a typical broker-pace experience: efficient on simple claims, occasionally slower on complex chronic cases.
Pricing
Perfect Pet is consistently competitive on quote comparisons, often beating better-known brands for similar tier cover. The lower brand spend translates into more competitive premiums in many cases. As with any lifetime insurer, premiums climb at renewal.
Customer service
Phone-and-email-led, UK-based. The service feels broker-style rather than supermarket-style: a smaller team, more direct contact, less polish on the digital experience. Whether that is a positive or a negative depends on your preferences.
Veterinary perspective
"Perfect Pet’s per-condition structure is the thing to understand: £5,000 per condition, per year, reinstated at renewal, with a low £90 excess. For most conditions that works well; for a single catastrophic surgery it can run thinner than a big annual pot. Worth a quote alongside the brands you already know."
Dr Avron Taitz, BVSc, veterinary advisor, PetCoverPro
Who Perfect Pet is best for
- +Owners who care about vet-fee headroom more than brand recognition.
- +Mid-budget households who want lifetime cover at sub-premium prices.
- +Buyers who want a ladder of plan styles from accident-only up to lifetime.
- +Phone-first owners comfortable with a smaller broker relationship.
Who should look elsewhere
- ×App-first owners should look at ManyPets, Napo or Waggel.
- ×Owners who value brand recognition for service comfort may prefer Petplan, John Lewis or Tesco.
- ×Owners who want one big annual pot should compare — a £5,000 per-condition limit can run thinner than the £10,000+ annual limits at specialist lifetime brands.
Frequently asked questions
Who underwrites Perfect Pet?
How do Perfect Pet’s per-condition limits work?
Does Perfect Pet pay the vet directly?
Why have I not heard of Perfect Pet before?
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