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.