Pet insurance cats and dogs will love you for

Our dog and cat insurance will make the perfect companion for your 4-legged friend. Get a quote in just 3 minutes. We’re Highly Commended as Pet Insurance Provider of the Year and Best Claims Service in the Moneyfacts Consumer Awards 2022.

10% multi-pet discount

24/7 Vet careline

94% of claims accepted in 2023

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Immediate cover when you switch

Our pet insurance at a glance

We offer 4 types of pet insurance across our cover levels to suit different needs and budgets.

Whether you’re looking for dog insurance, cat insurance or switching for a better deal, we have the right plan for you.

Still unsure which cover works for you and your four-legged friend? Take a look at our handy dog insurance guide or cat insurance guide.

Premier Plus

Lifetime cover

Reinstates the full cover limit for all covered conditions at renewal each year.

  • Vet fees £8,000
  • Dental £8,000
  • Cruciate ligament £2,000
  • Alternative treatment £1,000
  • Emergency boarding £1,000
  • Holiday cancellation £2,500

Learn more

Premier

Lifetime cover

Reinstates the full cover limit for all covered conditions at renewal each year.

  • Vet fees £4,000
  • Dental £4,000
  • Cruciate ligament £1,500
  • Alternative treatment £750
  • Emergency boarding £1,000
  • Holiday cancellation £1,500

Learn more

Prime

Lifetime cover

Reinstates the full cover limit for all covered conditions at renewal each year.

  • Vet fees £2,500
  • Dental £2,500
  • Cruciate ligament £1,000
  • Alternative treatment £400
  • Emergency boarding £1,000
  • Holiday cancellation £1,000

Learn more

Gold

Maximum benefit cover

Provides protection for a condition up to the Vet Fee limit. Once you have exceeded the limit you will not be able to make any further claims for that condition.

  • Vet fees £4,000
  • Dental £4,000
  • Cruciate ligament £1,000
  • Alternative treatment £400

Learn more

Silver

Time limited cover

Gives you protection against eligible accidents and illnesses for up to 12-months after the first day of treatment or until the policy limit is reached, whichever happens first.

  • Vet fees £3,000
  • Dental £3,000
  • Cruciate ligament £500

Learn more

Bronze

Accident only cover

Our Bronze cover is our most basic level of cover which helps to protect your pet from any accidents they’ve had. Because it only covers accidents it’ll be the cheapest cover we provide.

  • Vet fees £2,250
  • Dental £250
  • Cruciate ligament £500

Learn more

Our key policy features

10% multi-pet discount

If you’ve got more than one pet in your household that you’re looking to insure, then we’ll give you a 10% discount when you add multiple pets to your quote.

24/7 Vet careline

We know that your pet is part of your family. That’s why included in any cover you take out with us you’ll have access to our 24/7 Vet Careline. This gives you all day, every day access to speak online or over the phone with RCVS qualified vet nurses.

94% claims accepted

If the unfortunate situation arises where you need to make a claim, we can assist by paying your claim fast and efficiently and often payments can be made directly to your vet. We accepted 94% of all claims submitted in 2023.

Switching without the wait

It hasn’t always been easy to switch your pet cover, but we’re changing that. Most providers will impose a 14-day wait time for illnesses if you switch, but so long as you are an existing pet insurance holder when you switch to us, we won’t.

Recognised quality claims and cover

In the 2022 Moneyfacts Consumer Awards Scratch & Patch were awarded Highly Commended in both Pet Insurance Provider of the Year and Best Claims Service categories. As voted for by our customers.

Here to help

Our pet insurance helps you cover the cost of veterinary treatment if your pet falls ill or gets injured.

If you any questions or need guidance, our customer service team is here to help.

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Our most popular FAQs

Please ensure that you have checked our excluded breeds list and rules before proceeding to purchase a policy with Scratch & Patch. If your dog is found to be an excluded dog, we may cancel your policy, refuse all claims, keep any premium you have paid and charge you a cancellation fee.

Some of the other key policy exclusions are:

  • We will not cover the amount of the excess(s) applicable for any claim.
  • Death from accident or illness – cover is restricted to dogs aged under 8years, or cats aged under 10years, at the date of loss or death.
  • Euthanasia is excluded under Bronze, Silver and Gold policies.
  • Third party liability cover is restricted to Dogs Only.
  • Loss and recovery – cover restricted to dogs aged under 8 years, or cats aged under 10 years, at the date they go missing.
  • Vet fee limits and policy limits apply.
  • We will not pay for advertising and reward incurred without our prior consent.
  • Any condition first showing clinical signs in the first 14 days of the policy unless you had a prior pet insurance policy.
  • Your pet must be at least 5 weeks old when your policy starts.
  • Dangerous dogs and excluded breeds cannot be covered. Please note that if you have declared the incorrect breed when taking the policy out, you may not be covered when making a claim.

The full list of policy exclusions can be seen here.

You can cancel your policy at any time by calling us on 0330 102 6839.

We will charge you a fee of £30 for cancellation of your policy, unless this is because your pet has died. If you cancel and you have made a claim on the policy, or if a claim has been made against you or your pet, any remaining annual premium not yet paid will become due. Where available, the remaining premium will be deducted from any claim payment due.

We are able to accept direct claims from your vet and there are many vets that are happy to deal with a direct claim on your behalf. However, this is down to the individual veterinary practice so you will need to check with them. In order for any claim to be accepted, the treating vet must be a qualified veterinary surgeon registered with the Royal College of Veterinary Surgeons. Any alternative treatment must be prescribed and carried out by a registered vet, or by a suitably qualified member of an accepted association.

You can cancel your policy at any time by calling us on 0330 102 6839.

If, however, you cancel and you have made a claim on the policy or if a claim has been made against you or your pet, any remaining annual premium not yet paid will become due. Where available, the remaining premium will be deducted from any claim payment due.

Yes, we can pay your vet directly if you and your vet agree to it. Details of preferred payment details are requested during the claim process and, upon settlement, both you and your vet will receive confirmation details.

No, we’re not able to pre-authorise any claim. We review each claim on an individual basis once we have all supporting documentation. To view the details of your pet’s cover, please log in to My Account. You can also find more information about claims, or steps you can take before making a claim, here. You can find all of our policy documents here.

In addition to the insurance premium for your plan, we will charge you a fee of £30 to cancel your policy (unless this is because your pet has died). If you cancel and you have made a claim on the policy, or if a claim has been made against you or your pet, any remaining annual premium not yet paid will become due. Where available, the remaining premium will be deducted from any claim payment due.

We do allow upgrade or downgrade of your cover level between our Standard Plans (Bronze, Silver, Gold, Prime, Premier and Premier Plus).

  • If you choose to change your cover to one that provides a higher level of cover the higher level will apply to any injury and illness which first showed clinical signs after the transfer date. The higher limit will not apply to any pre-existing condition.
  • If you change your cover to one that gives a lower benefit the lower amounts will apply to all claims from the date you change onwards including those you are already making.

If you would like to amend your level of cover, you can do so by calling our customer service team on 0330 102 6839.

You can see what you are and are not covered for by reviewing our Policy Documents. You can also check your Policy Schedule by logging into My Account. This provides details of your excess, co-payment and inner limits applicable to the policy cover.

Please ensure that you have also checked our full list of policy exclusions, including our excluded breeds list and rules, before proceeding to purchase a policy with Scratch & Patch. If your dog is found to be an excluded dog, we may cancel your policy, refuse all claims, keep any premium you have paid and charge you a cancellation fee.

Some of the other key policy exclusions are:

  • We will not cover the amount of the excess(s) applicable for any claim.
  • Death from accident or illness – cover is restricted to dogs aged under 8years, or cats aged under 10years, at the date of loss or death.
  • Euthanasia is excluded under Bronze, Silver and Gold policies.
  • Third party liability cover is restricted to Dogs Only.
  • Loss and recovery – cover restricted to dogs aged under 8 years, or cats aged under 10 years, at the date they go missing.
  • Vet fee limits and policy limits apply.
  • We will not pay for advertising and reward incurred without our prior consent.
  • Any condition first showing clinical signs in the first 14 days of the policy unless you had a prior pet insurance policy.
  • Your pet must be at least 5 weeks old when your policy starts.
  • Dangerous dogs and excluded breeds cannot be covered. Please note that if you have declared the incorrect breed when taking the policy out, you may not be covered when making a claim.

The full list of policy exclusions can be seen here.

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