Can I add another pet to my policy?
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 […]
Will I have to make a coinsurance payment (Co-payment) towards the cost of a claim?
If you have included the 20% co-payment option on your policy then this will be deducted from the final settlement value of each claim you make. For example, let’s say you have a policy with a £125 compulsory excess alongside a 20% co-payment and you are submitting a claim for a £1,000 vet bill. You […]
Why are deductions applied to medications?
Pet insurance providers have a duty to protect their policyholders from premium increases that would otherwise become unsustainable by including condition limits and caps on variable charges. The costs vets can charge for items such as medication can vary significantly from one practice to the next, as there is no current regulation of these charges. […]
What should I do if my pet passes away?
Saying goodbye to a beloved pet is never easy, but if the worst should happen, Scratch & Patch is here to support you. Whilst insurance may understandably be the last thing on your mind, there are a few things to consider.
What is a pre-existing condition?
A pre-existing condition is any injury or illness that: Happened or first showed clinical signs, Has been identified or investigated by a vet, Has the same diagnosis or clinical signs as an injury, illness, or clinical sign your pet had, Is caused by, relates to, or results from, an injury, illness, or clinical sign your […]
What is a Co-payment?
Alongside paying the compulsory excess on your policy, an additional co-payment is an amount you’re willing to pay towards the cost of a claim. For example, let’s say you have a policy with a £125 compulsory excess alongside a 20% co-payment and you are submitting a claim for a £1,000 vet bill. You would pay […]
What is a claim excess and how does it work when I make a claim?
A compulsory excess is the amount you have to pay towards the cost of your pet’s treatment you are claiming for. This applies to each separate injury or illness you are claiming for. Excesses are applied once per condition, per policy year. Therefore, if you submit further claims for the treatment your pet receives resulting […]
What are my claim limitations?
Any pre-existing condition is excluded from cover and claims for any condition that showed signs or symptoms prior to the purchase of your policy will not be accepted. All claims are assessed on an individual basis, on their own merits and in accordance with the specific policy terms and conditions applicable to the policy you […]
Is my pet covered abroad?
Sometimes pets become ill or have an accident which needs veterinary attention, and this is where pet insurance can be of help from a financial point of view. We provide cover for this in the UK and within the EU (while you are travelling with your pet) as standard. Your policy is valid if your […]
How can I check the status of my claim?
If you have questions over your claim or require an update on an open claim, you can contact us on [email protected] or call us on 0330 102 6839 and choose option 3.