Pet insurance reviews
Scratch & Patch is a UK pet insurance provider reviewed here for pet owners comparing cover. This page looks at accident-only, time-limited, maximum benefit and lifetime-style cover, where available; a clear plus is that the page brings owner review context together in one place, while a clear drawback is that you still need to check the insurer’s latest policy wording directly before relying on any feature.
Thinking about Scratch & Patch Pet Insurance? Here you'll find reviews from Scratch & Patch customers covering everything from claims handling to customer service, so you can see what it's like to be insured with Scratch & Patch before you commit.
Scratch & Patch offers lifetime pet insurance for dogs and cats with different annual vet fee limits and optional extras.
The brand focuses on straightforward cover and digital policy management.
Most known for: Lifetime-only pet insurance.
Scratch and Patch offer three lifetime tiers, with a maximum vet fee limit of £8,000 per year on their highest tier. This is below the cover levels offered by most other lifetime insurers we researched, which is why they do not appear in our main price comparison table.
The excess structure changes with the age of the pet. For dogs under 10 the fixed excess is one amount, and this increases once the dog turns 10. The exact figures are shown at the quote stage and in the full policy wording.
Scratch and Patch policies are underwritten by Covea Insurance.
Full policy wording is available directly from Scratch and Patch, and terms can change.
4 reviews
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