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Scratch and Patch Reviews

Scratch & Patch have a 24/7 careline available for all policyholders. There's no co-insurance payment on any of their plans.

6.9 /10
Based on 890 reviews
#14 of 16 time limited pet insurers
  • Sentiment Score: 0.0/10
  • 890 reviews found on websites such as TrustPilot
  • 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

Price Band

£ £ £ £ £

Good for

  • Rated 5 stars by Defaqto
  • Rated 4.3/5 by Trustpilot
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84% of consumers read reviews before purchasing
*Based on an independent survey of 1000 people by Compare By Review
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  • Claims (1),
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Cover Purchased
i Reviewed without invitation
Reviewed the Claims experience on 28 Feb 2024


DONT USE absolute disgrace don’t pay out for life saving operation after paying into the policy for nearly 5 years….
  • Recieved a response over 5 days after their claim was submitted
  • Claim wasn't successful
  • Was neither happy or unhappy with their experience when they spoke to someone
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Quotes our team received



Buster, a four-year-old Labrador Retriever

Dog Quote

Per Month

Maximum Vet Fees

Per Condition


Dog | Cat


Tinks, a three-year-old Bengal

Cat Quote

Per Month

Maximum Vet Fees

Per Condition


Dog | Cat

Compare Scratch & Patch pet insurance policies

Scratch & Patch has seven different pet insurance policies to choose from; one accident only policy, one time limited policy, one maximum benefit policy, three lifetime policies and three pre-existing condition policies. You can compare cover levels in the table below:
  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?

Scratch & Patch don't have a strict list of pre-existing conditions that they cover, as they don't act on a flat yes or no in terms of what conditions they cover. Scratch & Patch will ask you a range of medical questions to determine whether they will cover your pet or not. They have recently offered cover for pets with the following conditions: 
  • Hip replacement 
  • Heart murmur
  • Corneal ulcer
  • Cataracts
  • Gastroenteritis
  • Liver shunt
  • Cystitis
  • Elbow dysplasia
  • Seizure
  • Hyperthyroidism
  • Eye infection
  • Ear haematoma
  • Meningitis
  • Skin allergy
  • Cerebral hypoplasia
  • Feline FIV

Making a Scratch & Patch pet insurance claim

To claim on your Scratch & Patch pet insurance policy, you'll need to have the following information to hand: 
  • Your policy number
  • Your pet's previous veterinary practices
  • Your previous address (if applicable)
You should start the claims process within 60 days of the incident occurring. Scratch & Patch won't pay out for claims that are submitted after 12 months. Simple download a claims form online, fill it in and sign it. You will then need to pass the form onto your vet so that they can fill out their relevant section. When you send the form back to Scratch & Patch, make sure your vet attaches a copy of your pet's full medical history and any relevant invoices. Scratch & Patch will keep you updated on the progress of your claim. 

Frequently asked Questions

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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.

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.

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.

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.

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.

Time Limited Pet Insurance Guides

Check out our insurance guides for more information