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Cat Insurance

(575 reviews)

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Scratch and Patch Reviews

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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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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.

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Quotes our team received

Price Band

£ £ £ £ £

Quotes our team received



Buster, a four-year-old Labrador Retriever

Cat quote


per month

Maximum vet fees


per policy year



per condition


Tinks, a three-year-old Bengal

Cover starts from



Maximum vet fees


per policy year



per condition

Benefits of Scratch and Patch Cat 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 cat insurance providers to see how Scratch and Patch’s cat insurance performs against their competitors.

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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