Please ensure that you have checked 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.