Give your pet the best care

Looking for pet insurance with a difference? We’ve got you covered. There are 6 levels of cover to choose from to suit all budgets and needs.

All of our plans include:

10% multi-pet discount

24/7 Vet careline

94% of claims paid


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

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 4 main categories:

Our cover levels

We offer 6 cover levels with protection from accident only through to our most comprehensive lifetime plans. Find out more about each of our plans below.


Essential accident only cover.

Our Bronze policy covers accidents only and is time limited to 12 months.

Vet fee cover limit: Up to £2,250


Time limited cover.

Covers injury and illness time limited to 12 months per illness and injury.

Vet fee cover limit: Up to £3,000


Maximum benefit cover.

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

Peace of mind lifetime cover.

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 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.

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.

Join us today

Getting a quote for your dog or cat takes just 3 minutes.