What is a Time Limited policy?
Our Time-limited pet insurance (Silver) helps to protect cats and dogs against vet fees caused by injuries and illnesses for 12 months from the date of the first treatment. Learn more … You can choose the plan that suits you best by comparing all our policies here.
What is a Maximum Benefit policy?
Our maximum benefit pet insurance (Gold) provides veterinary fee cover up to a total limit (£) for each separate illness or injury, for the length the policy is in place. Once that cover limit is reached, the illness or injury then becomes excluded with no further benefit payable for that condition. Learn more … You […]
What is a Lifetime policy?
A Lifetime policy (Premier Plus, Premier, Prime), our most comprehensive pet insurance, seeks to provide veterinary fee cover for illnesses or injuries your pet may have throughout its lifetime, as long as you keep the policy running. All accepted conditions are covered until the overall vet fee cover limit is reached, for each policy year. […]
Is my pet covered straight away?
Any new illnesses starting within the first 14 days of your policy are not covered. This is called a waiting period. However, if you switch your cover from another insurer we won’t enforce a waiting period and you will be able to claim for illness starting in the first 14 days. If you make a […]
Is there an age limit for cover?
Cats and dogs must be at least 5 weeks old on the day that the policy begins. There is no upper age limit but please note that the excess increases and cover for death, euthanasia and loss and recovery ends when your dog reaches the age of 8 or your cat reaches the age of […]
What happens if I already have a policy with you for my XL Bully?
Scratch & Patch have never provided cover for XL Bully breeds, including any crossbreed. However, if you have managed to obtain cover, please contact us on 0330 102 6839 to allow us to follow the correct action required for these policies. Please note that if you have declared the incorrect breed when taking the policy […]
I already have a pre-existing conditions Champ policy with you. What will happen to me?
If you already have a Champ policy then you will continue to be covered for accepted conditions declared in your policy documents.
How do I make a change to my policy?
To make a change to your policy you need to contact us on 0330 102 6839.
How are pedigree, crossbreed, mongrels and moggies defined?
There are sometimes different definitions of pedigree, crossbreeds and mongrels. For us, a pedigree pet is when your pet’s parents are both from the same breed (also known as purebred). Crossbreeds are when your pet is a combination between 2 different breeds. A mongrel and a moggie do not belong to one officially recognised breed […]
Do you cover XL Bully dogs?
We do not provide cover for XL Bully breeds, including and crossbreed. This breed has never been a selectable option for policy cover for us, however now that XL Bully has been included on the Dangerous Dogs register we are required to highlight this further. Please note that if you have declared the incorrect breed […]