Making a claim with Scratch & Patch is easy. You can claim online or by phone. We can even deal directly with your vet, leaving you to concentrate on the wellbeing of your 4-legged friend.
If I claim, what will happen to my renewal price?
We will review your cover each year before offering to renew your policy. This means that based on the information you have provided to us, your pet’s age and medical history, any claims made and future expected treatment and claims costs, we may change the terms and conditions of your cover, your premium or not offer to renew your policy. However, in most cases, premiums will increase with the age of your pet and if any claims have been made.
How long will it take to settle my claim?
We try to settle your claim as quickly and efficiently as possible. You can help speed your claim up by completing claims forms as accurately and thoroughly as you can. Most successful claims are paid within 8 working days.
What can I do if my claim is rejected?
In June 2022 we paid 94% of the claims made, so it’s rare that a claim will be rejected, but like any insurer it does happen. If your claim is rejected you will be told the reason for this. If you want to you will be able to challenge this and can make a formal complaint to us. Find more about our complaints procedure.