A pet insurance claim for medication administered after a dog was bitten by a snake was initially denied by Perfect Pet, leading to a dispute over policy coverage. The owner, G.R. from Solihull, reported that their two-year-old giant schnauzer, Axel, was bitten by a snake, likely an adder, while on the grounds of their veterinary practice in July.
Axel was prescribed trazodone and gabapentin to help him remain calm and recover from the trauma. However, Perfect Pet refused to cover the £92 cost of these sedatives, which were part of a larger £432 claim. The insurer argued that the drugs were for treating behavioral issues, which are not covered by the policy, despite the dog having no prior behavioral problems.
Following an appeal, Perfect Pet stood by its decision. However, after intervention, the insurer re-evaluated the case and agreed to cover the cost of the sedatives, acknowledging they were not prescribed for behavioral issues. The insurer requested the owner sign a non-disclosure agreement regarding the resolution, which the owner found unusual given the claim's validity.
In a separate case, M.L. from Kent, faced a similar issue with Perfect Pet concerning his 13-year-old retired guide dog, Archie. Archie fell ill within 14 days of his policy's renewal, a period during which new policies typically have a waiting period for illness claims. Despite the policy having been continuously covered by Perfect Pet since October 2023, the insurer invoked the 14-day waiting period applicable to new policies. The owners believed the policy was continuous and the waiting period should not apply, especially as they had recently switched to a cheaper rate with the same insurer.
Archie was diagnosed with fast-growing tumors and had to be euthanized on December 10, with vet bills totaling £2,621. Perfect Pet refused to pay, citing the 14-day waiting period. After intervention and an initial promise of a full response, the insurer later stated that a response was issued on July 15, 2026, which M.L. had confirmed satisfaction with and agreed to the outcome. M.L. was unable to provide further details due to signing a non-disclosure agreement.