Buster, a four-year-old Labrador Retriever
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.
575 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
- Rated 5 stars by Defaqto
- Rated 4.3/5 by Trustpilot
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Maximum Vet Fees
Cover starts from
Cover Starts From
Maximum Vet Fees
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|
|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
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.