Scratch and Patch

Ranked

#19
19 of 19 insurers by customers

Join the Scratch & Patch community of insured pets and policyholders. They offer six levels of cover including Prime, Premier & Premier Plus which are 5 star Defaqto rated (2022) lifetime pet Insurance policies, and Bronze, Silver and Gold products which are accident only, time-limited and maximum benefit policies, respectively. All policies include access to the 24/7/365 Scratch & Patch Careline giving you unlimited access to fully qualified vet nurses whenever you need them.

 

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Coverage

Scratch & Patch provide six levels of cover. Their Bronze Cover policy is an accident only plan that is time limited to 12 months which means cover exists for a total of 12 months from the first date of treatment. The plan offers vet fee cover of £2,250 for each injury and payment for death of up to £250 for dogs under 8 years and cats under 10 years of age. There are lower pay out limits for certain types of accident claims: Cruciate ligament injury £500; alternative treatments £250; Dental treatment £250. This plan does not cover illnesses.

The Silver Cover is a Time Limited plan offering cover for accidents and illness with maximum benefit limits per illness and injury. This policy is time limited which protects you with cover for eligible accidents and illnesses for up to 12 months after the first day or treatment or until the policy limit is reached, whichever happens first. Once cover ceases due to the policy limit or time limit being reached for a particular condition or accident, that condition or accident is excluded from future claims and is classed as a pre-existing condition. The policy offers £3,000 vet fee cover per injury or illness limited to 12 months from the first day of treatment and cover for up to £500 for the death of an insured pet for dogs under 8 years and cats under 10 years of age. It covers holiday cancellation up to £1,000, Third Party Liability for dogs on of £1million, loss and recover of your pet up to £750 and emergency boarding up to £750. Some conditions have lower cover limits: cruciate ligaments £500; alternative treatments £300; dental treatment £3,000.

The Gold Cover is a Maximum Benefit policy which means the policy covers eligible illness or injury until the cover limit is reached and the policy remains in force. Once the vet fee limit is reached you can not make any further claims for that particular illness or injury as it will be considered to be a pre-existing condition. The policy offers up to £4,000 vet fee cover per illness or injury, up to £4,000 dental work cover, payment for the death of an insured pet of up to £1,000, holiday cancellation cover up to £1,000, loss and recovery cover up to £1,000 and emergency boarding cover up to £1,000. There are lower limits for certain types of treatment: cruciate ligament treatment £1,000; MRI/CT scans £1,000; alternative treatments £400; diet food £100; behavioural treatment is not covered by this policy.

Scratch & Patch's three lifetime cover policies are 5 star Defaqto rated (2022) products. Lifetime cover policies cover all new medical conditions after the policy has started up to the cover limit. They allow you to claim for the same condition year after year. If the policy cover limit is reached during the policy year cover will cease but be re-instated at the beginning of the next policy year.

Prime Cover is a lifetime cover policy offering cover for injury and illness that is reinstated each year the policy is in force. The policy offers a vet fee limit of £2,500; dental treatment limit of £2,500; payment for death of a pet of up to £1,000 (only available for dogs under 8 and cats under 10 years old); loss and recovery of a pet up to £1,000; emergency boarding cover up to £1,000, holiday cancellation payment of up to £1,000 per year and Third Party Liability cover of £1.5 million (dogs only). There are lower limits for certain types of treatment: cruciate ligament treatment £1,000; MRI/CT scans £1,000; alternative treatments £400; diet food £100; behavioural treatment £100.

Premier Cover is a lifetime cover policy offering cover for injury and illness that is reinstated each year the policy is in force. The policy offers a vet fee limit of £4,000; dental treatment limit of £4,000; payment for death of a pet of up to £1,500 (only available for dogs under 8 and cats under 10 years old); loss and recovery of a pet up to £1,500; emergency boarding cover up to £1,000, holiday cancellation payment of up to £1,500 per year and Third Party Liability cover of £1.5 million (dogs only). There are lower limits for certain types of treatment: cruciate ligament treatment £1,500; MRI/CT scans £1,500; alternative treatments £750; diet food £100; behavioural treatment £250.

Premier Plus Cover is a lifetime cover policy offering cover for injury and illness that is reinstated each year the policy is in force. The policy offers a vet fee limit of £8,000; dental treatment limit of £8,000; payment for death of a pet of up to £1,500 (only available for dogs under 8 and cats under 10 years old); loss and recovery of a pet up to £1,500; emergency boarding cover up to £1,000, holiday cancellation payment of up to £2,500 per year and Third Party Liability cover of £1.5 million (dogs only). There are lower limits for certain types of treatment: cruciate ligament treatment £2,000; MRI/CT scans £2,000; alternative treatments £1,000; diet food £100; behavioural treatment £500.

All levels include 24/7/365 Scratch & Patch Careline giving you unlimited access to fully qualified vet nurses whenever you need them.

Excess

All policies have an excess of £125 for cats under 10 years old and dog 8 years old. Excesses rise to £275 for cats over 10 years old and dogs over 8 years old. There are no co-pay amounts.

Age Limits

Cats and dogs covered from 5 weeks of age with no upper age limits for new policies.

Waiting Period

No waiting period if you switch from another insurer but otherwise 14 days wait before you can claim for illness from the date the policy starts.

Additional Policy Information
Can they pay your vet direct?

Yes

Please note

All policies are subject to exclusions and conditions so please always consult the insurer's website and policy documents before you buy. Certain dogs are excluded from cover. All pre-existing conditions are excluded from all policies.

Pet Insurance Review compiles the latest Policy information and general company information from each insurers website with the information gathered on the date shown. We make every effort to ensure the information is correct but cannot be held responsible for any inaccuracies.  

Company info

Scratch & Patch offer six levels of cover from Bronze, Silver, Gold to Prime, Premier and Premier Plus policies which are 5 star Defaqto rated (2022) products. All levels include 24/7/365 Scratch & Patch Careline giving you unlimited access to fully qualified vet nurses whenever you need them. They paid 93% of claims in 2021 via our UK based administration and claims teams. In 2022 they were Highly Commended at the Moneyfacts Consumer Awards in the Pet Insurance Provider of the Year.

Benefits include:
• Prime, Premier and Premier Plus policies are rated 5 star by Defaqto (2022);
• 24/7/365 Scratch & Patch Careline as standard;
• Cover your pet from 5 weeks old, no upper age limit for new policies;
• 10% discount if you choose to insure 2 or more pets;
• Vet’s fees insured in the UK and within the EU Pet Travel Scheme (PETS) area
• No co-payment or co-insurance in addition to your excess at any age, so you know where you stand;
• UK based administration and claims handling;
• No waiting period for illness cover if you switch from another provider and have continuous insurance (otherwise 14 days);
• Certain dogs are excluded from cover;
• Policy terms and conditions apply.

Policies are underwritten by ETU Forsikring A/S. Scratch & Patch is a trading name of Only Pets Cover Limited. Only Pets Cover Limited is authorised and regulated by the Financial Conduct Authority. Registered office: Only Pets Cover Limited, Bolney Place, Cowfold Road, Bolney, West Sussex, RH17 5QT. Firm reference number: 840293. Company number: 9971968. Registered in England & Wales.

Scratch and Patch Pet Insurance Reviews