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

shuffle

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.

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

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

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

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

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

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

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.

From our community

German Shepherd

10 Gentle Giants


Looks can be deceiving. These breeds may look intimidating due to their size and stature but they are loving, gentle and great family pets.
Read more >

Why does my dog scoot?


HomeExerciseWhy do dogs scoot?Time to read: 8 mins Picture the scene. It is a beautiful sunny day and you are out in the park for a dog walk. You stop…
Read more >

Meet Sarah & Nugget


Meet Sarah and her incredible dog Nugget with a heart of gold! See how his temporary placement with her led him to finding his forever home.
Read more >
Nana-Boxer

Meet Leanne & Nana


Meet Leanne and her beautiful Boxer, Nana. Read about how pre-existing pet insurance saved Nana from a lifetime of pain in her hip.
Read more >

Our pet care survey

We’ve looked into the changing attitudes towards pet insurance and the ever evolving needs of customers across the UK. Uncovering what’s important to cat and dog owners when looking for cover for their 4-legged friends.

Join us today

Getting a quote for your dog or cat takes just 3 minutes.

Menu