Big hearts. Big care.
Insurance that keeps up with your Labrador’s zest for life!
Because “just one more throw” can turn into “one big vet bill.”
Big-time protection.
With Scratch & Patch, you’ll get cover that’s built for your Labrador’s big heart, big energy, and even bigger adventures.
Because your Labrador never does anything halfway — and neither should their cover.
24/7 Vet careline
Expert advice, day or night, 365.
20% off
For insuring two or more pets.
Pet-perfect cover
With options to suit all budgets.
Switching made simple
Immediate cover for new conditions if you’re already insured.
Cover to suit all needs and budgets
At Scratch & Patch we offer a range of policies, because one size doesn’t fit every paw.
Whether your Lab is still a cheeky pup or a wise older companion, there’s a level of cover to suit.
Lifetime Pet Insurance
Peace of mind lifetime cover. Our most comprehensive pet insurance seeks to insure against recurring medical issues your pet may have throughout its lifetime, as long as you keep the policy running.
Maximum Benefit Insurance
Our maximum benefit pet insurance covers new conditions up to a cover limit for the length the policy is in place and there’s not a time limit to your claim.
Time Limited Pet Insurance
Time-limited pet insurance excludes certain conditions after you hit your claims limit or once the time limit (usually 12 months) expires.
Accident Only Pet Insurance
Our accident only pet insurance 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.
Why insure your Labrador Retreiver?
Labrador Retrievers are loving, loyal, and endlessly enthusiastic — which is exactly why we adore them. They throw themselves into life with full-body wagging excitement.
But all that energy, appetite, and spirit can also mean the occasional bump, strain, or health concern along the way.
Good pet insurance helps you say yes to the best care whenever they need it — without worrying about sudden vet bills.
Where Labradors sometimes need a helping paw
Joint & hip issues
Labradors are energetic and athletic, which puts extra pressure on their hips and joints. Conditions like hip and elbow dysplasia are more common in the breed — and treatment, physiotherapy, or surgery can be costly without insurance.
Skin & allergy flare-ups
Labs can experience skin sensitivities and allergies, leading to itching, hot spots, and ear irritation. Managing flare-ups and ongoing treatment can mean repeat vet visits and medication.
Ear infections
With their floppy, water-loving ears, Labradors are prone to ear infections — especially after swimming or muddy adventures. Regular checks and treatment help, but recurring ear problems can add up.
Weight-related health issues
Labradors love food (and then some!). Without careful diet and exercise, weight gain can increase risks like arthritis, diabetes, and heart problems — often requiring ongoing vet support.
Injuries from active play
Labs live life at full speed, whether they’re leaping into lakes or racing after tennis balls. That enthusiasm can sometimes lead to sprains, strains, or other injuries from rough-and-tumble fun.
Protect your Labrador’s next adventure!
Labradors are full of life — bursting with enthusiasm, curiosity, and a tail that never stops wagging. But even the happiest, toughest family companion can face bumps, strains, or health surprises along the way.
With Scratch & Patch pet insurance, you’ll get cover designed to keep up with your Lab’s big heart and even bigger adventures.
From muddy mishaps to ongoing health conditions, we’re here to help you care for your loyal companion with confidence and peace of mind.
