Is Scratch & Patch The Best Pet Insurance Company?

Alexandre Desoutter Alexandre Desoutter  updated on September 7, 2020

Would you like to insure your beloved pet against accident or illness? Are you here to know whether Scratch & Patch is the best pet insurer to go for?

You are at the right place!

In the below review, we will tell you everything you need to know on Scratch & Patch pet insurance: cover table, prices, contact, claim and cancel process and our own recommandation.

Our review on Scratch & Patch pet insurance

4.2 Safe overall rating for Scratch & Patch pet insurance

Safe ratingOur opinion
Customer service & satisfaction
and claims
Access to a 24/7 Careline providing help and advice
Website is easy to navigate and customer friendly
Policy documents are readily available on the website
4.5 rating on Trustpilot
Most of the insurance policies have a 5 star rating on Defaqto
Cover provided for your home Five levels of cover to pick from
If you switch from another insurance provider to Scratch and Patch, the policy’s waiting period will be waived
No cover is provided for dental illness
Value for money 10% multi pet discount is provided
Variety of cover options provided to suit the budget of the policyholder
There is the option to choose between paying premiums monthly or annually
Financial strength Scratch and Patch policies are underwritten by HDI Global Specialty SE.
Technology Social media presence
Sign in option is available
Quotes can be taken out and managed online
Informative, detailed and user friendly website
No live chat option
Safe rating for Scratch & Patch home insurance

Scratch & Patch pet insurance reviews: Defaqto and Trustpilot

Reviews
DefaqtoChamp 2.5: 5 stars
Champ 4.0: 5 stars
Champ 8.0: 5 stars
Premier: 5 stars
Premier Plus: 5 stars
Gold: 4 stars
Silver: 3 stars
Bronze: 2 stars
Trustpilot4.5/5 based on 96 reviews
Reviews on Scratch & Patch pet insurance

What does Scratch & Patch pet insurance cover?

Scratch & Patch pet insurance for dogs

Cover TypeVet feesDeath by accidentDeath by illnessLost or stolenBoardingThird party liability
LifetimeNo per condition limit – £4,000 annual policy limit – Annual policy limit reinstated upon renewalyesyesyesyesyes
LifetimeNo per condition limit – £8,000 annual policy limit – Annual policy limit reinstated upon renewalyesyesyesyesyes
Maximum Benefit£4,000 per new condition – No annual policy limit – No time limit on how long payments will be made as long as your pet remains insured with us.yesyesyesyesyes
Time Limited£3,000 per new condition – No annual policy limit – £3,000 per new condition for 12 months from the first date of treatmentyesyesyesyesyes
Scratch & Patch pet insurance for dogs

Scratch & Patch pet insurance for cats

Cover TypeVet feesDeath by accidentDeath by illnessLost or stolenBoarding
LifetimeNo per condition limit – £4,000 annual policy limit – Annual policy limit reinstated upon renewalyesyesyesyes
LifetimeNo per condition limit – £8,000 annual policy limit – Annual policy limit reinstated upon renewalyesyesyesyes
Maximum Benefit£4,000 per new condition – No annual policy limit – No time limit on how long payments will be made as long as your pet remains insured with us.yesyesyesyes
Time Limited£3,000 per new condition – No annual policy limit – £3,000 per new condition for 12 months from the first date of treatmentyesyesyesyes
Scratch & Patch pet insurance for cats

None of the above pet insurance covers pre-existing medical conditions.

How much is Scratch & Patch pet insurance?

How much is Scratch & Patch pet insurance for dogs?

Cover typePolicy detailsMonthly premiumAnnual premiumStandard Excess
LifetimeNo Per Condition Limit£35.51£426.08£75
LifetimeNo Per Condition Limit£36.04£432.52£75
Maximum Benefit£4,000 per new condition£23.69£284.25£75
Time Limited£3,000 per new condition£17.68£212.20£75
Scratch & Patch pet insurance premiums for dogs

*Quotes above are for a pedigree dog of one year old, not neutered nor microchipped.

How much is Scratch & Patch pet insurance for cats?

Cover typePolicy detailsMonthly premiumAnnual premiumStandard Excess
LifetimeNo Per Condition Limit£23.03£276.38£75
LifetimeNo Per Condition Limit£25.21£302.55£75
Maximum Benefit£4,000 per new condition£15.30£183.56£75
Time Limited£3,000 per new condition£11.60£139.25£75
Scratch & Patch pet insurance premiums for cats

*Quotes above are for a pedigree cat of one year old, not neutered nor microchipped.

How to contact Scratch & Patch pet insurance?

Scratch & Patch pet insurance phone numbers

How to contact Scratch & Patch?Phone numbersOpening hours

Customer service

0330 1026839

Monday to Friday: 9am –8pm
Saturday: 9am –5pm
Sunday & Bank Holidays: 10am –4pm

Claims

0330 1026839

Monday to Friday; 9am to 5pm
Saturday, Sunday & Bank Holidays -Closed

Scratch and Patch Careline

0333 332 1926

24/7

Complaints

0344 854 2072

Monday to Friday: 9am –8pm
Saturday: 9am –5pm
Sunday & Bank Holidays: 10am –4pm

How to contact Scratch & Patch pet insurance

Scratch & Patch pet insurance contact details

Scratch & Patch contact details
Email

[email protected]

Mail address

Scratch and Patch Pet Insurance
77 Gracechurch Street
EC3V 0AS
London
United Kingdom

Livechat

Not available

Scratch & Patch contact details

How to log in to Scratch & Patch customer portal?

You can login by clicking on the "My Policy Details option" or following this link: Scratch and Patch Login

How to claim at Scratch & Patch pet insurance?

There are several reasons to report a claim on your pet insurance:

  • you had or will have to face significant vet fees or repeat medication;
  • your pet is missing;
  • your pet had or caused an accident etc.

Claims can be made by downloading the claims form and sending the documents by post, calling the claims assigned telephone number or sending an email.

How to claim on your Scratch & Patch pet insurance?
Claim online

The claims form can be downloaded online

Claim by email

[email protected]

Claim by phone

0330 102 6839

Claim by post

Scratch & Patch Claims,
PO Box 800,
Elland,
HX1 9ET

How to report a claim on your Scratch & Patch pet insurance?

How to cancel your Scratch & Patch pet insurance?

Cancellations can be done via email.

How to cancel your Scratch & Patch pet insurance?
Cancellation fees

£30

Cancel by email

[email protected]

How to cancel your Scratch & Patch pet insurance?

Our final opinion on Scratch & Patch pet insurance

Scratch and Patch provides pet insurance for cats and dogs, and says it aims to make the process as straightforward as possible and its insurance policies are underwritten by HDI Global Specialty SE.
It provides eight levels of insurance, at different prices.

Premier Plus includes up to £8,000 per year for vet fees (which includes £1,000 for alternative medicine; £2,000 for cruciate ligament; £2,000 for MRI or CT scan; £8,000 for dental treatment caused by accident or injury; £100 for diet food and £500 for behavioural treatment).
Premier includes up to £4,000 per year for vet fees (which includes £750 for alternative medicine; £1,500 for cruciate ligament; £1,500 for MRI or CT scan; £4,000 for dental treatment caused by accident or injury; £100 for diet food and £250 for behavioural treatment).
Gold includes up to £4,000 for vet fees per injury/illness (this includes £400 for alternative medicine; £1,000 for cruciate ligament; £1,000 for MRI or CT scan; £4,000 for dental treatment caused by accident or injury and £100 for diet food).
Silver includes up to £3,000 for vet fees per injury/illness (this includes £300 for alternative medicine; £500 for cruciate ligament; £500 for MRI or CT scan; £3,000 for dental treatment caused by accident or injury and £100 for diet food).
Bronze includes up to £2,250 for vet fees per accident (this includes £250 for alternative medicine; £500 for cruciate ligament and £250 for dental treatment caused by accident or injury)

Scratch and Patch also offers what is known as Champ products which have a 5 star Defaqto rating and are a set of policies that may cover pre-existing conditions. They come with either £2.5k, £4k or £8k of Lifetime pet cover.

Scratch and Patch has a high rating of 4.5 on TrustPilot and apart from the Gold, Bronze and Silver cover options, the other covers offered have a 5 star Defaqto rating. Their services are highly recommended as they have good reviews from third party websites.