When Should I Get Pet Insurance?
There’s no way of knowing exactly when your dog or cat might become ill or have an accident. That uncertainty is one of the main reasons people choose pet insurance. You can take out insurance at different stages of your pet’s life, but there can be advantages to arranging cover while your pet is […]
Can I Switch Pet Insurance Providers?
You might consider switching your pet insurance because you’ve found a different level of cover, want to change your policy type or are looking for a price that better suits your budget. When comparing pet insurance, it’s also worth considering whether any illnesses, injuries, signs or symptoms your pet has experienced under your existing […]
What Does Pet Insurance Cover?
Pet insurance can help with the cost of veterinary treatment when your pet becomes unexpectedly ill or injured. Exactly what’s covered will depend on the type of pet insurance, level of cover and policy terms you choose. Some policies provide ongoing protection for illnesses and injuries, while others are designed for shorter-term conditions or […]
What Are Inner Limits in Pet Insurance?
When comparing pet insurance, you’ll usually see an overall vet fee limit – for example, £3,000, £5,000 or £10,000. But within that overall amount, your policy may also have inner limits for certain types of treatment or specific conditions. Understanding the difference is important, as an inner limit can affect how much your […]
What Is a Co-Payment in Pet Insurance?
When choosing pet insurance, you may come across the term “co-payment”, sometimes shortened to “co-pay”. A co-payment means that if you make an eligible claim, you agree to pay a percentage of the claim costs, with your insurer contributing the remainder, subject to your excess and any other policy limits or deductions. Understanding […]
What Is an Excess in Pet Insurance?
When comparing pet insurance, you’ll often see the term “excess”. Put simply, an excess is the amount you need to contribute towards an eligible claim before your insurer pays the remaining covered costs. Understanding how your excess works is important because it can affect both how much you receive when you claim and how […]
How Do Pet Insurance Claims Work?
If your pet becomes ill or is injured, dealing with an insurance claim probably isn’t the first thing you want to think about. The good news is that making a pet insurance claim can be relatively straightforward. At Scratch & Patch, you or your vet can submit a claim online, and we can even […]
What Is Pet Insurance & How Does It Work?
Pets are part of the family, but when they become ill or have an accident, veterinary treatment can be expensive. Pet insurance is designed to help with the cost of eligible vet bills, giving you financial support when your pet needs treatment. But how does pet insurance actually work, what can it cover, and […]
What Type of Pet Insurance is Right For Me?
Choosing pet insurance can feel complicated. With different types of cover, vet fee limits, excesses and prices to compare, it isn’t always obvious which policy is right for you and your pet. There isn’t one type of pet insurance that’s best for everyone. The right choice depends on the protection you want, your budget […]
How Much Pet Insurance Cover Do I Need?
When choosing pet insurance, one of the biggest decisions is how much cover you need for veterinary fees. A higher vet fee limit can provide greater financial protection if your pet becomes seriously ill or injured, while a lower limit may cost less. So how do you decide what’s right for you and your […]