How can I check what I am or am not covered for?
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 […]
Do you cover dental?
We do not provide cover for the cost of dental or gum treatment which is not directly resulting from an accident or injury. We also exclude routine, preventative or cosmetic procedures, including but not limited to scaling and polishing.
Can I cancel my policy if I have made a claim?
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 […]
Can you pay my vet directly?
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.
Can I get pre-authorisation for a treatment?
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 […]
Are there any additional fees & charges I should know about?
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 […]
Are there any charges for cancelling my policy?
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. […]
Can I claim with any vet?
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 […]
Are there any exclusions or restrictions I need to know about?
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 […]
How do I cancel my policy?
You can cancel your policy at any time by calling us on 0330 102 6839.