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Perfect Pet Insurance Reviews

Rated 3.5 based on 493 Reviews

123 Castle St, Salisbury SP1 3TB

Insurance Services Salisbury

Published on
July 28, 2025
Last updated
July 28, 2025

Reviews Summary

Based on the reviews for Perfect Pet Insurance, the overall sentiment is strongly negative, with most customers expressing frustration regarding the claims process and the company’s responsiveness. While there are isolated positive comments on individual staff members and a few satisfactory resolutions, common feedback includes denied claims, lack of transparency, unexpected policy changes, and frequent dissatisfaction after years of premium payments. Criticisms often focus on the perception that the company looks for ways to deny payments or minimize claim amounts.

The most frequent themes relate to slow, opaque, and difficult claims handling, with multiple reviewers reporting declined claims even with veterinary evidence, as well as inconsistent communication and unclear documentation requirements. Policyholders mention issues with coverage of medication, confusion over breed classification affecting premiums, and dissatisfaction with responses during emergencies. There is also a noted lack of empathy or compassion during difficult situations, offset slightly by occasional examples of polite or helpful staff interactions.

In summary, Perfect Pet Insurance’s reputation among reviewers is largely unfavorable, especially regarding reliability in honoring pet insurance claims and providing clear, supportive communication. Although rare instances of positive customer service are noted, the overwhelming pattern across feedback highlights a lack of trust and confidence in the company’s ability to deliver on its promises within the UK insurance market.
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What Customers Are Saying About Perfect Pet Insurance?

extremely helpful ,friendly and polite

Trustguide extracts key phrases from reviews about Perfect Pet Insurance and sort them by sentiment. This gives you a quick view of what customers consistently praise or raise concerns about—without needing to read every review.

Satisfaction Score

Based on the set of reviews used to generate this report, it appears that 10% of Perfect Pet Insurance's customers had a positive experience.

Positive
10%
Neutral
0%
Negative
90%

Perfect Pet Insurance Ratings

1

As of Based on 493 revies as of Jul 28, 2025

Perfect Pet Insurance Score

10%

As of Based on 493 revies as of Jul 28, 2025

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Customer Reviews

As of Jul 28, 2025, 493 customers have reviewed this business and rated it 3.5 Star out of 5. Trustguide conducted an in-depth analysis of Perfect Pet Insurance's publicly available reviews View source

Lauren x rated Perfect Pet Insurance 5 stars
3 months ago
I'm writing this review for anybody else who panicked when it was time to make a claim and then found all the bad reviews! As did I! So, when choosing insurance i went with the company that offered the cover I needed for the best monthly price. I didn't look at reviews, until I needed to claim. Then came the mass panic because the reviews I read were awful and said they'd try to wriggle out any way possible. So now not only do I have a poorly dog, a big vets bill I already forked out for and now the dread that they weren't going to pay out. I was claiming for a lump that had slowly grown over the last 6 months, BUT this took me to before my policy started. At that time I wasn't worried and i thought there was no need to declare it as I didn't want it investigating. Fast forward 6months and said lump needed investigating. Hence the panic that they'd wriggle out of paying. I filled the forms in anyway and crossed my fingers. They called a couple of days later asking for more medical history which the vets provided and a few days after that, the money was in my bank! Panic over! And hopefully a little bit of hope for anybody else who finds themselves in the same situation about submitting a claim. My boy has since passed and I contacted perfect pet to make sure his insurance does not automatically renew and I have recieved 2 emails of condolences and came home today to a little condolence card through the post too. A lovely little touch i thought.
Thomas Hill rated Perfect Pet Insurance 1 stars
a week ago
I rarely leave reviews, but feel compelled to share my experience to help others make an informed decision. I recently took out a new policy with Perfect Pet Insurance for our two cats, I did this weeks in advance. Sadly my cat fell seriously ill within two weeks of the policy starting, he was diagnosed with a hard to detect life-threatening liver condition. A condition that even the vet did not identify during a check up a month beforehand. Despite having arranged this policy well in advance and transferring from a previous insurer, Perfect Pet declined our claim. Their justification was based on rigid technicalities around waiting periods, ignoring both medical realities and the compassionate element that should lie at the heart of any pet insurance provider. There was no willingness to support us through an incredibly distressing time, no flexibility, and certainly no compassion. Instead, the focus seemed to be on finding a convenient loophole to avoid paying out, rather than honouring the spirit of the coverage we believed we had purchased. We came terrifyingly close to losing our cat and we still have a huge bill to pay. The lack of empathy and refusal to assist during a crisis has been deeply upsetting, not just because of the financial strain, but because of the complete absence of care for an animal’s wellbeing. If you're looking for peace of mind, support during emergencies, and a company that genuinely values the pets it insures - I strongly recommend looking elsewhere. Perfect Pet may look appealing on the surface, but in our experience, when we truly needed them, they were nowhere to be found.
Callum Myers rated Perfect Pet Insurance 1 stars
a week ago
I took out a policy with Perfect Pet Insurance to ensure my dog Milo would be covered in the event of unexpected health issues. Unfortunately, my recent experience with their claims process has been disappointing and unnecessarily difficult. After submitting a claim for treatment in May 2025, the claim was declined on the basis that the condition was "pre-existing," citing a vague and unrelated vet visit from over nine months earlier. Despite my vet providing a formal letter clearly confirming the conditions were unrelated, and offering further support, the insurer still refused to reconsider the claim — stating more clinical evidence was required, yet refusing to say what that evidence should be. Even my vet was left frustrated after attempting to call and clarify directly, only to be met with vague responses and no clear guidance. I’ve since been told that I, as the policyholder, must escalate it myself, which I am now doing. I understand the need for policy terms and waiting periods, but when professional veterinary evidence is dismissed without clear reasoning or transparency, it makes the process feel very unfair and unhelpful. I’m now left chasing answers myself, despite doing everything by the book. Sadly, I can't recommend Perfect Pet Insurance based on this experience, and I would advise others to consider how responsive an insurer is when you actually need them — not just when you're paying your premium. Update: After two weeks of persistence, Perfect Pet Insurance has now confirmed that the condition is not related to the earlier visit and has agreed to reimburse the claim. While I’m relieved and grateful the right outcome has been reached, it’s disappointing that it took so much effort and back-and-forth to get there — especially when the supporting evidence was clear from the outset. A sincere thank you for resolving the issue in the end — but I do hope the claims process becomes more transparent and responsive for other customers in the future.

Frequently Asked Questions About Perfect Pet Insurance

How does Perfect Pet Insurance handle claims for pre-existing conditions?

Many reviewers report that claims referencing any previous veterinary visits—even if unrelated—are often denied as pre-existing conditions. This can include visits considered unrelated by the treating veterinarian, so customers should review policy definitions and be prepared to provide thorough documentation.

What is customer support like when submitting a claim?

Reviews consistently mention delays, vague guidance, and difficulty in getting responses by phone and email during the claims process. Some policyholders also cite frustration with requests for further evidence and a lack of clear direction from support staff.

How are policy changes and renewals managed?

According to customers, policy renewals and changes—such as adjustments to premiums or breed classifications—are communicated by email or phone. Errors or misclassifications may arise and can impact premiums, so customers should review their policy details at each renewal and clarify any discrepancies.

About Perfect Pet Insurance

Insurance Services
Perfect Pet Insurance is an insurance provider that offers pet insurance policies for dogs and cats. The company focuses on providing coverage for unexpected veterinary expenses and related pet health costs, operating in the insurance industry with policies available online and via telephone.

Perfect Pet Insurance operates by issuing insurance policies with defined premiums and terms, requiring customers to submit claims for reimbursement when seeking coverage for veterinary treatment. The company interacts with policyholders through forms, phone service, and email for claims processing, policy renewals, and cancellations.
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How is this report generated

Trustguide generates concise, neutral summaries of business reviews. By analyzing publicly available feedback from reputable platforms, it highlights common experiences, praises, and concerns. This allows users to quickly understand a business’s reputation without reading every individual review.4o
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Mike, Adam and another 21,516 have joined the waitlist.