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Affordable pet insurance

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:

10% multi-dog discount

94% of claims paid

24/7 access to our veterinary Careline


Switch to us and we’ll waive the waiting period for illnesses

No coinsurance to pay when you claim

Defaqto Pet Insurance 2022 Logo

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:

Pet insurance quotes

5* Defaqto rated pet insurance from as little as £4.72.

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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.

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Comprehensive pet insurance cover for your furry friend. Get a quote today.

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