An outline of the benefits of the Premier and Premier plus cover followed by Bronze, Silver & Gold cover are given below.
The full terms and conditions are included within the policy wording.
Premier & Premier plus Read the policy wording
| Section | Cover | Premier | Premier plus |
|---|---|---|---|
| Read Premier IPID | Read Premier Plus IPID | ||
| Reinstatement, Per policy year | Reinstatement, Per policy year | ||
| A | Veterinary Fees* up to | £4,000 | £8,000 |
| Inner Limits up to (Included within total Veterinary Fees amount above) | |||
| Cruciate Ligament | £1,500 | £2,000 | |
| MRI / CT Scan | £1,500 | £2,000 | |
| Alternative treatment | £750 | £1,000 | |
| Dental (accident/injury) | £4,000 | £8,000 | |
| Diet Food | £100 | £100 | |
| Behavioural treatment | £250 | £500 | |
| Covered in UK / EU PETS Scheme Area | Yes | Yes | |
| Excess per injury or illness, per year | Dogs under 8 = £75 Dogs over 8 = £200 Cats under 10 = £75 Cats over 10 = £200 | Dogs under 8 = £75 Dogs over 8 = £200 Cats under 10 = £75 Cats over 10 = £200 |
|
| B | Death | ||
| Accident up to | £1,500 | £1,500 | |
| Illness up to | £1,500 | £1,500 | |
| Euthanasia | £100 | £150 | |
| C | Third Party Liability (Dogs Only) | £1,500,000 | £2,000,000 |
| Excess | £250 | £250 | |
| D | Loss & recovery | £1,500 | £1,500 |
| E | Emergency boarding and pet minding fees | £1,000 | £1,000 |
| F | Holiday cancellation | £1,500 | £2,500 |
| G | Accidental damage | £500 | £750 |
* The Vet fee amount includes;
- Up to £45 towards consultation fees for each separate visit to the Vet as a result of the condition
- Up to £110 towards additional out of hours fees for each separate out of hours visit needed as a result of a condition
- Up to £70 towards histology fees including any handling and interpretation fees
- Up to £70 towards cystology fees including any handling and interpretation fees
- Up to £35 per session towards hydrotherapy, physiotherapy, accupunture, chiropractic, osteopathy or laser treatment fees.
Bronze, Silver, Gold Read the policy wording
| Section | Cover | Bronze | Silver | Gold |
|---|---|---|---|---|
| Read Bronze IPID | Read Silver IPID | Read Gold IPID | ||
| Time Limited (12 months), up to per accident | Time Limited (12 months), up to per injury / illness | Maximum benefit, up to per injury / illness | ||
| A | Veterinary Fees* up to | £2,250 | £3,000 | £4,000 |
| Inner Limits up to (Included within total Veterinary Fees amount above) | ||||
| Cruciate Ligament | £500 | £500 | £1,000 | |
| MRI / CT Scan | £nil | £500 | £1,000 | |
| Alternative treatment | £250 | £300 | £400 | |
| Dental (accident/injury) | £250 | £3,000 | £4,000 | |
| Diet Food | £nil | £100 | £100 | |
| Behavioural treatment | £nil | £nil | £nil | |
| Covered in UK / EU PETS Scheme Area | Yes | Yes | Yes | |
| Excess per injury or illness, per year | Dogs under 8 = £75 Dogs over 8 = £200 Cats under 10 = £75 Cats over 10 = £200 | Dogs under 8 = £75 Dogs over 8 = £200 Cats under 10 = £75 Cats over 10 = £200 | Dogs under 8 = £75 Dogs over 8 = £200 Cats under 10 = £75 Cats over 10 = £200 |
|
| B | Death | |||
| Accident up to | £250 | £500 | £1,000 | |
| Illness up to | £nil | £500 | £1,000 | |
| Euthanasia | £nil | £nil | £nil | |
| C | Third Party Liability (Dogs Only) | £1,000,000 | £1,000,000 | £1,500,000 |
| Excess | £250 | £250 | £250 | |
| D | Loss & recovery | £250 | £750 | £1,000 |
| E | Emergency boarding and pet minding fees | £250 | £750 | £1,000 |
| F | Holiday cancellation | £nil | £750 | £1,000 |
| G | Accidental damage | £nil | £nil | £nil |
* The Vet fee amount includes;
- Up to £45 towards consultation fees for each separate visit to the Vet as a result of the condition
- Up to £110 towards additional out of hours fees for each separate out of hours visit needed as a result of a condition
- Up to £70 towards histology fees including any handling and interpretation fees
- Up to £70 towards cystology fees including any handling and interpretation fees
- Up to £35 per session towards hydrotherapy, physiotherapy, accupunture, chiropractic, osteopathy or laser treatment fees.
Waiting Period / Switching
New illnesses stating within the first 14 days of your policy are not covered. This is called a waiting period. However, if you switch your cover from another insurer, we won’t enforce a waiting period, you will be able to claim for illness starting in the first 14 days.
We do not have a waiting period for accidents or injuries.
Excess / Coinsurance / Co-payment
We have a standard excess which you will have to pay depending on the age of your pet.
Our policies do not have a coinsurance or co-payment.
A coinsurance or co-payment is an extra percentage of the claim which you must pay yourself, typically 10% to 20% of the claim amount after the excess has been deducted, depending on the insurer.
Exclusions
Pet insurance policies are designed to provide insurance for unexpected, accidental, non-routine or non-preventative situations. They are not comprehensive health insurance plans but form part of the overall care package for your pet.
As with other insurance policies Scratch & Patch have exclusions for each section of cover which are fully described in the policy and include;
- Pre-existing conditions – those which your pet already has before the policy starts.
- Illness claims for conditions starting in the waiting period – explained above.
- The excess – this is the first part of any claim which you will have to pay.
- Routine and preventative treatment – such as vaccinations, neutering, worm tick & flea treatments, grooming, claw clipping and routine dental treatment.
- Pregnancy and giving birth – such as pregnancy check-ups or related visits, giving birth and the treatment of the puppies or kittens. The offspring will need to be insured separately once old enough and are not covered by the parents policy.
- Death, euthanasia and loss and recovery cover ceases at 8 years of age for dogs and 10 years of age for cats.
Excluded dogs
The following dogs are not eligible for this insurance and are excluded from all cover:
- Any dog used for trade, profession or business except Assistance Dogs.
- Any dog used for guarding, racing, coursing or beating whether for business or recreational purposes.
The following dogs, as outlined in the Dangerous Dogs Act 1991, are specifically excluded from cover under any section of the policy:
- Pit Bull Terrier
- Japanese Tosa / Tosa Inus
- Dogo Argentino (also referred to as Argentine Dogo and Argentinian Mastiff)
- Fila Brasileiro
Including any “type”, as defined in the Dangerous Dogs Act 1991, considered to match the description of a prohibited “type”; any breed crossed with the above; and any other breed or type deemed to be dangerous by the Secretary of State and subsequently added to the Dangerous Dogs Act 1991.
The following types/breeds and/or any dog crossbred from these are also excluded from cover under any section of the policy:
- American Bandogge / Bandogge Mastiff
- Australian Dingo
- Bully Kutta
- Canadian Inuit
- Canary Dogs / Perro De Pressa Canarios/ Presa Canarios
- Cane Corsos
- Central Asian Shepherd Dog
- Czechoslovakian Wolfdogs / Sarlooswolfhounds / Wolf Hybrids
- Irish Staffordshire Bull Terrier
- Racing Greyhounds
- Tamaskan
If your dog is found to be an excluded dog we will cancel your policy, refuse all claims and keep any premium you have paid and charge you the cancellation fee.
