What types of policies do Scratch & Patch offer?
We offer 6 cover levels with protection from accident only through to our most comprehensive lifetime plans. All our plans include: 10% multi-pet discount 24/7 Vet carelinen 94% of claims accepted* Switch to us and we’ll waive the waiting period for illnesses Lifetime Cover (Premier Plus, Premier & Prime) Our most comprehensive pet insurance seeks […]
Do you offer multi-pet discount?
Yes, our multi-pet discount protects all the pets in your family and is available regardless of the level of cover you choose. By insuring 2 or more pets with us, we’ll give you a 10% discount off your total insurance premium. This will be deducted automatically when calculating your quote. If you’re an existing Scratch […]
Do you offer advice on which policy to buy?
You will not be provided with advice or any recommendations relating to the purchase of a policy from us, but you will receive sufficient information on the product to enable you to make an informed decision on whether it meets your demands and needs. You can also find more information about the policies we offer […]
How do I get a quote?
You can get a quote online in just a few minutes here. You can find more information about the policies we offer on our website, by searching our FAQs, and by reviewing our Policy Documents. If you prefer to speak to us to discuss our policies you can contact us on 0330 102 6839. Although […]
Do you cover pre-existing conditions?
Our current policies and cover levels (Bronze, Silver, Gold, Prime, Premier and Premier Plus) do not cover pre-existing medical conditions. This means that we will not pay: This 14-day exclusion does not apply if your pet was insured for veterinary fee’s under another policy of insurance up to the start date (inception) of the first […]
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.
What is an inner limit and how do I know what my policy’s inner limits are?
An inner limit is a cap on certain specified items such as treatments, investigative procedures, medication, or specific conditions. This means that whilst there is an overall cover limit, there are certain things we will only pay a maximum amount for. Each type of cover level will vary in the maximum amount we provide, and […]
What is the difference between excess and co payment?
An excess is a compulsory contribution you are required to pay towards the cost of your pets treatment you are claiming for and applies to each separate illness or injury (condition), per policy year. If your claim is accepted, the excess will be deducted from any settlement amount we pay to either you or your […]
What pets and breeds aren’t covered?
Our policies are designed to provide cover for domestic cats and dogs. That means we don’t cover any pet used for trade, profession or business or any type of pet used for guarding, racing, coursing or beating. We also exclude any pet used for breeding. There are also a number of specific breeds that we […]
What is an Accident Only policy?
Our accident only pet insurance (Bronze) provides a fixed sum of money for each accidental injury to help pay for your pet’s treatment. It is the cheapest type of pet insurance policy but excludes cover for illness. Learn more … You can choose the plan that suits you best by comparing all our policies here.