Scratch and Patch Reviews - Pet Insurance

Ranked 15 of 25 Pet Insurance providers

Scratch and Patch Reviews

Reviews

145

Review Score

8.28/10

Defaqto

Defaqto

Price band

£££££

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Reviews

145

Review Score

8.28/10

Scratch and Patch is reviewed on

Smart Money People allows consumers to rate a variety of financial services and providers. Each provider is rated out of five, with the average score taken from the ratings of each financial product.
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Pricing

Price band

£££££

Quotes our team received:

4-year old Labrador Retriever: £31.03
3-year old Bengal: £10.38

Our team have received a quote based on Buster, a 4-year old Labrador Retriever dog and Tinks, a 3-year old Bengal cat.

Benefits of Scratch and Patch

  • Their Lifetime Premier and Premier Plus plans are awarded a 5 Star Defaqto rating
  • 97% claims paid
  • 10% multi-pet discount
  • 24/7 careline access
  • No 14 day wait time to claim if you switch from another provider
  • No co-insurance payment on any plans
  • Pre-existing conditions cover

Compare pet insurance providers to see how Scratch and Patch’s pet insurance performs against their competitors.

About Scratch and Patch

Established in 2016, Scratch and Patch provide clear, comprehensive cover that meets the needs of both you and your four-legged friends. They were the first pet insurance provider in the UK to offer a comprehensive product for pets that suffer from pre-existing conditions and allowed them to be screened online, giving UK pet owners the ability to change providers for a better deal.

Frequently asked questions

What policies does Scratch and Patch offer?

Scratch and Patch offers seven different pet insurance plans; Bronze Cover, Silver Cover, Gold Cover, Prime Cover, Premier Cover, Premier Plus Cover and Champ Pre-Existing Conditions Cover. With different levels of cover available at different price points, you’ll be certain to find the right plan for your and your pet.

Can I switch my pet insurance to Scratch and Patch?

Yes. If you already have pet insurance with a different provider and switch to Scratch and Patch, they won’t enforce the industry standard waiting period on your policy. This means that you’ll be able to submit a claim within the first 14 days of switching.

Do Scratch and Patch cover pre-existing conditions?

Yes, Scratch and Patch offer a specific plan for pets with pre-existing conditions. Their Champ Pre-Existing Conditions Cover may cover your pet’s pre-existing condition. However, it doesn’t cover every condition. Your policy documents will detail which declared conditions are covered and which are not. If you fail to declare a pre-existing condition, it will be excluded from cover.

Can I make a claim online?

Unfortunately, Scratch and Patch don’t currently give you the option of claiming online. You’ll need to fill out a form and send it to them.

How long will it take Scratch and Patch to process a claim?

This all depends on the complexity of the claim you’re making. Scratch and Patch aim to deal with all claims as accurately as possible in a timely manner. Most of their claims are dealt with within 8 days.

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