Do you cover the cost of neutering?
Spaying and neutering are considered routine procedures and are excluded from cover. However, if there are complications arising from spaying or neutering, we may be able to cover these.
Can I change my level of cover?
We do allow upgrade or downgrade of your cover level between our Standard Plans (Bronze, Silver, Gold, Prime, Premier and Premier Plus). If you choose to change your cover to one that provides a higher level of cover the higher level will apply to any injury and illness which first showed clinical signs after the […]
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 […]