Tinks, a three-year-old Bengal
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.
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890 reviews found on websites such as TrustPilot
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Their Lifetime Premier and Premier Plus plans are awarded a 5 Star Defaqto rating
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97% claims paid
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10% multi-pet discount
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24/7 careline access
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No 14 day wait time to claim if you switch from another provider
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No co-insurance payment on any plans
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Pre-existing conditions cover
Price Band
£
£
£
£
£
Good for
- Rated 5 stars by Defaqto
- Rated 4.3/5 by Trustpilot
84% of consumers read reviews before purchasing
*Based on an independent survey of 1000 people by Compare By Review
Cover Purchased
Reviewed without invitation
Reviewed the
Claims
experience on 29 May 2025
Won’T Pay Out Check Your Inner Limits
Never heard of inner limits - just another reason not to pay out. When our dog was injured wouldn’t pay out due to inner limits - DO NOT INSURE WITH SCRATCH AND PATCH waste of time
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Recieved a response over 5 days after their claim was submitted
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Claim wasn't successful
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Was neither happy or unhappy with their experience when they spoke to someone
Cover Purchased
Reviewed without invitation
Reviewed the
Claims
experience on 28 Feb 2024
Disgraceful
DONT USE absolute disgrace don’t pay out for life saving operation after paying into the policy for nearly 5 years….
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Recieved a response over 5 days after their claim was submitted
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Claim wasn't successful
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Was neither happy or unhappy with their experience when they spoke to someone
Quotes our team received
Pet profile:
Cover starts from:
5
Weeks
Maximum vet fees:
£8k
Per Policy Year
Excess:
£75
Per Condition
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:
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:
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
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.