Across 2021 we paid 93% of all claims submitted to us. We can even deal directly with your vet, leaving you to concentrate fully on your 4-legged friend.
Submitting your claim
You can make a claim using our online form at https://scratchandpatchclaims.davies-group.com/
If you will be asking your vet to complete the claims form on your behalf then please provide them with the form at https://scratchandpatchvetclaims.davies-group.com/
Paper claims forms
If you prefer to use a paper claims form then these are available below. To help ensure that your claim is reviewed efficiently please select the claim form based on how your policy number begins.
For policies starting or renewing after 1st January 2022 with policy numbers starting with SAP or CMP please use these claim forms:
For policy numbers starting SNP0 and CHP0 please use these claim forms:
How we manage your claim
If you have submitted your claim online then you will receive an email requesting the additional documentation (such as medical history). Once you have provided that our team will review and assess your claim.
If you have completed a manual claims form, then you should return the form, together with all signed additional documents, by email to firstname.lastname@example.org or by post to:
Scratch & Patch Claims,
PO Box 800,
If I claim, what will happen to my renewal price?
We will review your cover each year before offering to renew your policy. This means that based on the information you have provided to us, your pet’s age and medical history, any claims made and future expected treatment and claims costs, we may change the terms and conditions of your cover, your premium or not offer to renew your policy. However, in most cases, premiums will increase with the age of your pet and if any claims have been made.
How long will it take to settle my claim?
We try to settle your claim as quickly and efficiently as possible. You can help speed your claim up by completing claims forms as accurately and thoroughly as you can. Most successful claims are paid within 8 working days.
What can I do if my claim is rejected?
Over the 12 months of 2021 we paid 93% of the claims made, so it’s rare that a claim will be rejected, but like any insurer it does happen. If your claim is rejected you will be told the reason for this. If you want to you will be able to challenge this and can make a formal complaint to us. Find more about our complaints procedure.
Will I need to pay a co-insurance fee?
No, unlike most pet insurers our policies do not have a coinsurance or co-payment. This 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. With Scratch & Patch you will only have to pay the excess.