An outline of the benefits of the Champ products are given below. These are followed by Premier and Premier plus and then Bronze, Silver and Gold.

The full terms and conditions are included within the policy wording.

Champ 2.5, 4.0, 8.0

SectionCoverChamp 2.5Champ 4.0Champ 8.0
Read Champ 2.5 Policy DocumentRead Champ 4.0 Policy DocumentRead Champ 8.0 Policy Document
Read Champ 2.5 IPIDRead Champ 4.0 IPIDRead Champ 8.0 IPID
Reinstatement, Per policy yearReinstatement, Per policy yearReinstatement, Per policy year
AVeterinary Fees* up to
£2,500£4,000
£8,000
Cruciate Ligament (Inner Limit) - up to£1,000£1,500£2,000
MRI / CT Scans (Inner Limit) - up to£1,000£1,500£2,000
Alternative Medicine & Treatment - up to£400£750£1000
Dental Cover - Accident & Injury only - up to£2,500£4,000£8,000
Diet Food - up to£100£100£100
Behavioural problems - up to £100£250£500
Excess per injury / illnessDogs up to 8 = £75
Dogs over 8 = £200
Cats up to 10 = £75 Cats over 10 = £200
Dogs up to 8 = £75
Dogs over 8 = £200
Cats up to 10 = £75 Cats over 10 = £200
Dogs up to 8 = £75
Dogs over 8 = £200
Cats up to 10 = £75
Cats over 10 = £200
BDeath of Your Pet up to maximum age of 8 years for dogs and 10 years for cats
Accident - up to£1,000£1,500£1,500
lllness - up to£1,000£1,500£1,500
Euthanasia - up to£100£100£150
CThird Party Liability (Dogs Only) up to£1,500,000
£1,500,000
£2,000,000
Excess£250£250£250
DLoss and recovery (includes advertising and reward) up to£1,000£1,500£1,500
EEmergency Boarding & Pet Minding Fees - up to£1,000£1,000£1,000
FHoliday Cancellation - up to£1000£1,500£2,500
GAccidental damage - up to£250£500£750
Pre-Existing ConditionsThis policy may be able to cover Pre-Existing conditions following a full medical screening of your petThis policy may be able to cover Pre-Existing conditions following a full medical screening of your petThis policy may be able to cover Pre-Existing conditions following a full medical screening of your pet

* 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 the condition
  • Up to £70 towards histology fees including any handling and interpretation fees
  • Up to £70 towards cytology fees including any handling and interpretation fees
  • Up to £35 per session towards hydrotherapy, physiotherapy, accupuncture, chiropractic, osteopathy fees or laser treatment fees

Premier & Premier plus Read the policy wording

SectionCoverPremierPremier plus
Read Premier IPIDRead Premier Plus IPID
Reinstatement, Per policy yearReinstatement, Per policy year
AVeterinary 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 AreaYesYes
Excess per injury or illness, per yearDogs 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
BDeath
Accident up to£1,500£1,500
Illness up to£1,500£1,500
Euthanasia£100£150
CThird Party Liability (Dogs Only)£1,500,000
£2,000,000
Excess£250£250
DLoss & recovery£1,500£1,500
EEmergency boarding and pet minding fees£1,000£1,000
FHoliday cancellation£1,500£2,500
GAccidental damage£500£750
Pre-Existing ConditionsAll pre-existing conditions are excluded from coverAll pre-existing conditions are excluded from cover

* 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

SectionCoverBronzeSilverGold
Read Bronze IPIDRead Silver IPIDRead Gold IPID
Time Limited (12 months), up to per accidentTime Limited (12 months), up to per injury / illnessMaximum benefit, up to per injury / illness
AVeterinary 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 AreaYesYesYes
Excess per injury or illness, per yearDogs 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
BDeath
Accident up to£250£500£1,000
Illness up to£nil£500£1,000
Euthanasia£nil£nil£nil
CThird Party Liability (Dogs Only)£1,000,000
£1,000,000
£1,500,000
Excess£250£250£250
DLoss & recovery£250£750£1,000
EEmergency boarding and pet minding fees£250£750£1,000
FHoliday cancellation£nil£750£1,000
GAccidental damage£nil£nil£nil
Pre-Existing ConditionsAll pre-existing conditions are excluded from coverAll pre-existing conditions are excluded from coverAll pre-existing conditions are excluded from cover

* 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.

Under our Champ product we may impose an additional excess for accepted conditions.

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.

    We may be able to cover certain pre-existing conditions under our Champ products. In order to make a decision regarding acceptance, premium, cover, terms and conditions we will ask for medical information from you about your pet as part of the quotation process. Your policy will detail which declared conditions are covered and which are not. Other terms and conditions may also apply. Any pre-existing conditions which you do not declare will also be excluded from cover.

  • 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.

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