5th
Pet Insurance
(353 reviews)
Review Score
9.06
Scratch and Patch Reviews
See which providers perform best in our Pet Insurance comparisonScratch & Patch have a 24/7 careline available for all policyholders. There's no co-insurance payment on any of their plans.
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Leave a ReviewAbout
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.
Pricing
Quotes our team received
Price Band
Quotes our team received
Details
Buster, a four-year-old Labrador Retriever
Lifetime dog quote
£54.81
per monthMaximum vet fees
£8k
per yearCover from
5
weeks
Details
Tinks, a three-year-old Bengal
Lifetime cat quote
£18.65
per monthMaximum vet fees
£8k
per yearCover from
5
weeksBenefits of Scratch and Patch Pet Insurance
- 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 Scratch & Patch pet insurance policies
| Bronze | Silver | Gold | Prime | Premier | Premier Plus | Champ 2.5 | Champ 4.0 | Champ 8.0 | |
|---|---|---|---|---|---|---|---|---|---|
| Vet fees | £2,250 per accident | £3,000 per injury/illness | £4,000 per injury/illness | £2,500 per plan year | £4,000 per plan year | £8,000 per plan year | £2,500 per plan year | £4,000 per plan year | £8,000 per plan year |
| Policy type | Accident only | Time limited | Maximum benefit | Lifetime | Lifetime | Lifetime | Pre-existing | Pre-existing | Pre-existing |
| Accidental death | £250 | £500 | £1,000 | £1,000 | £1,500 | £1,500 | £1,000 | £1,500 | £1,500 |
| Death caused by illness | Not covered | £500 | £1,000 | £1,000 | £1,500 | £1,500 | £1,000 | £1,500 | £1,500 |
| Loss & recovery | £250 | £750 | £1,000 | £1,000 | £1,500 | £1,500 | £1,000 | £1,500 | £1,500 |
| Emergency boarding fees | £250 | £750 | £1,000 | £1,000 | £1,000 | £1,000 | £1,000 | £1,000 | £1,000 |
| Holiday cancellation | Not covered | £750 | £1,000 | £1,000 | £1,500 | £2,500 | £1,000 | £1,500 | £2,500 |
| Accidental damage | Not covered | Not covered | Not covered | £250 | £500 | £750 | £250 | £500 | £750 |
What pre-existing conditions do Scratch & Patch cover?
Making a Scratch & Patch pet insurance claim
Frequently Asked Questions
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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.
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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.
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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.
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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.
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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.
