Looking for pet insurance with a difference? Our 5* Defaqto rated cover provides insurance for dogs and cats. There are 6 levels of cover to choose from to suit your needs.
All of our plans include:
What is pet insurance?
Pet insurance helps you cover the cost of veterinary treatment if your pet falls ill or gets injured. To learn about pet insurance cover, what it’s there for and how it can help, read our guide to how pet insurance works. Pet insurance policies generally fall into 5 main categories:
Pre-existing conditions pet insurance
The newest type of cover is one of the more expensive policy types. It helps to provide cover for things that your pet has suffered from prior to you taking out cover.
Lifetime cover pet insurance
Lifetime cover is the most comprehensive pet insurance on the market and seeks to insure against recurring medical issues your pet may have throughout its lifetime, as long as you keep the policy running.
Maximum benefit pet insurance
Maximum benefit pet insurance normally cover 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. Maximum benefit cover is generally considered a mid-range option.
Time-limited cover pet insurance
Time-limited cover is less comprehensive and excludes certain conditions after you hit your claims limit or once the time limit (usually 12 months) expires.
Accident only pet insurance
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 entirely.
Some pet insurance providers also pay out if your pet dies, is lost or stolen or causes damage to a third party’s property.
Our cover levels
We offer 6 cover levels with protection from accident only to our most comprehensive 5* rated lifetime plans. Find out more about each of our plans below and click to read more and find the full policy wording.
Bronze accident only policy
Our Bronze covers accidents only and is time limited to 12 months.
Vet fee cover limit: Up to £2,250
Silver time limited policy
Covers injury and illness time limited to 12 months per illness and injury.
Vet fee cover limit: Up to £3,000
Gold maximum benefit policy
Covers injury and illness with a maximum benefit limit per illness and injury.
Vet fee cover limit: Up to £4,000
Prime, Premier and Premier Plus lifetime policies
Our lifetime plans cover injury and illness on a reinstatement per policy year basis
Vet fee cover limit: Up to £2,500, £4,000 or £8,000
10% multi-pet discount
If you’ve got more than one pet in your household that you’re looking to insure, then we’ll give you a 10% discount when you add multiple pets to your quote.
24/7 access to pet Careline
We know that your pet is part of your family. That’s why included in any cover you take out with us you’ll have access to our 24/7 Careline. This gives you all day, every day access to speak online or over the phone with RCVS qualified vet nurses.
94% claims paid
If the unfortunate situation arrives where you need to make a claim on your policy, we can assist by paying your claim fast and efficiently and often payments can be made directly to your vet. ^We paid 94% of all claims submitted in Jun 2022.
Switching without the wait
It hasn’t always been easy to switch your pet cover, but we’re changing that. Most providers will impose a 14-day wait time for illnesses if you switch, but so long as you are an existing pet insurance holder when you switch to us, we won’t.
We don't do coinsurance
We want you to know exactly what your costs will be so we don’t impose a co-insurance payment on any of our plans. It’s just the excess you need to know about.
Latest news and what our members say about us
Recognised quality claims and cover
In the 2022 Moneyfacts Consumer Awards Scratch & Patch were awarded Highly Commended in both Pet Insurance Provider of the Year and Best Claims Service categories. As voted for by our customers.
Get a quote
Comprehensive pet insurance cover for your furry friend. Get a quote today.