Protecting your cat, peace of mind for You
Whether your feline companion is a curious kitten or a snoozy senior, we’ve got a plan that fits just right.
Not sure how pet insurance works? Our quick guide has you covered!
What is cat insurance?
Cat insurance helps cover the cost of vet care if your cat gets sick or injured, ensuring they get the care they need without putting a strain on your finances.
Depending on your policy, cover can include things like
Treatment for accidents or illness,
Dental work (for injuries)
Lost pet advertising
And more
Why Do I Need Cat Insurance?
Because even the most graceful cats can get into trouble! From mystery illnesses to unexpected tumbles, vet care can get expensive. Cat insurance gives you peace of mind—so you can focus on cuddles, not costs.
How Do I Know What Plan is Right for Me and My Cat?
Whether your cat is a windowsill sunbather or a tree-climbing daredevil, our plans are flexible, affordable, and designed to fit your needs. We also offer a multi-pet discount and 24/7 Vet Careline support.
Lifetime Cover
Covers ongoing illnesses and injuries for life, as long as you renew yearly. Annual claim limits apply per condition.
Maximum Benefit
Covers each condition up to a set limit, with no time cap. You can claim until you reach the maximum amount - even across multiple years.
Time-Limited
Covers conditions for up to 12 months from when treatment starts or until the cost limit is reached - whichever comes first.
Accident Only
Covers treatment for injuries from accidents only. Illnesses and long-term conditions aren’t included.
What’s Covered with Scratch & Patch Cat Insurance?
- Vet Fees
Covers treatment costs for accidents, injuries, and illnesses (up to your policy limit). - Ongoing Conditions (Lifetime plans only)
Conditions that began after the start date of your policy, are covered year after year, as long as the policy is renewed. - Diagnostic Tests & Medication
Blood tests, scans, and prescription meds. - Surgery & Hospitalisation
From minor ops to major procedures, you’re covered. - Complementary Therapies
Some plans include things like hydrotherapy, acupuncture, or physiotherapy, if recommended by your vet. - Death from Illness or Injury
Reimbursement if your cat sadly passes away due to illness or an accident. - Lost Pet Cover
Help with advertising and reward costs if your cat goes missing. - Emergency Boarding Fees
Covers cattery costs if you’re unexpectedly hospitalised.
What’s Not Covered by Scratch & Patch Pet Insurance?
- Pre-Existing Conditions
Anything your cat showed symptoms of or was treated for before your policy started. - Dental (Non-Accident)
Routine cleanings or issues caused by neglect aren’t covered. - Routine Care
Vaccinations, flea/worm treatments, neutering, and annual check-ups aren’t covered. - Pregnancy & Birth
Costs for mating, pregnancy, or giving birth are excluded.
Always Take a Paws to Read the Fine Print!
It’s important to read your full policy documents before purchasing—so there are no surprises later (except the fun kind, like belly rubs!).
Compare Our Plans and View Policy Documents
How Much Does Cat Insurance Cost?
It depends on a few things:
Bottom Line?
Age
Older cats often cost more to insure.
Breed
Some pedigree cats have higher health risks.
Size
Larger cats may have higher vet bills.
Health
Healthier cats = potentially lower premiums.
Location
Vet costs vary by area, and so do premiums.
Claim History
Past claims or older cats may mean higher premiums.
Bottom Line?
Let’s Find the Right Cover for You and Your Cat
At Scratch & Patch, we know your cat isn’t just a pet—they’re family. That’s why we’ve made it easy to find a plan that fits your budget and gives your feline the protection they deserve. Whether it’s a scraped paw, a surprise surgery, or just some peace of mind—we’ve got you covered.
So why wait? Explore our plans, get a quick quote, and relax knowing your cat’s in good care. Because every purr, stretch, and cat nap deserves to be protected.
How can I check what I am or am not covered for?
You can see what you are and are not covered for by reviewing our Policy Documents. You can also check your Policy Schedule by logging into My Account. This provides details of your excess, co-payment and inner limits applicable to the policy cover.
Please ensure that you have also checked our full list of policy exclusions, including 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 other key policy exclusions are:
- We will not cover the amount of the excess(s) applicable for any claim.
- Death from accident or illness – cover is restricted to dogs aged under 8years, or cats aged under 10years, at the date of loss or death.
- Euthanasia is excluded under Bronze, Silver and Gold policies.
- Third party liability cover is restricted to Dogs Only.
- Loss and recovery – cover restricted to dogs aged under 8 years, or cats aged under 10 years, at the date they go missing.
- Vet fee limits and policy limits apply.
- We will not pay for advertising and reward incurred without our prior consent.
- Any condition first showing clinical signs in the first 14 days of the policy unless you had a prior pet insurance policy.
- Your pet must be at least 5 weeks old when your policy starts.
- Dangerous dogs and excluded breeds cannot be covered. Please note that if you have declared the incorrect breed when taking the policy out, you may not be covered when making a claim.
The full list of policy exclusions can be seen here.
