Scratch & Patch Pet Insurance Review: Good Value for You and Your Pet?

Scratch & Patch Pet Insurance Review: Good Value for You and Your Pet?

Good for

  • No co-payment
  • Waiting periods waived if pet was previously insured with no gap (proof required)

Bad for

  • Inner limits
  • No cover or dental illness

Editor's Rating

4.0/5.0

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

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Scratch & Patch pet insurance, underwritten by Hiscox, offers a range of pet insurance options for financial protection in case your beloved dog or cat is injured or falls ill. Customers can choose between Time Limited, Max Benefit or Lifetime policies, with vet cover between £2,250 and £8,000.

In This Review

Choosing the best policy for you and your pet will depend on your individual situation. There may be other cat or dog policies with better features available in the marketplace. If your priority is paying a low premium, you may want to read about other options in our article on Cheap Dog and Cat Insurance.

Scratch & Patch Pet Insurance Review

Scratch & Patch offers an array of pet insurance plans at very competitive prices. Pet owners can choose between Accident Only, Time Limited, Max Benefit and Lifetime (which provides the most comprehensive cover for accidents and illnesses with vet fee limits that renew each year).

We really like Scratch & Patch's waiting period policy, which stands out from the crowd. Treatment of an illness typically won't be covered if your pet showed any signs of during the initial 14-day waiting period. Scratch & Patch (which is also available through our pet insurance partner Compare Cover), is the only pet insurance company we know of which will waive waiting periods to give you immediate cover IF your pet was insured for veterinary fees under another policy of insurance up to the start date of insurance with them. Proof is required.

Inner Limits

There are a few inner limits to be aware of, which may result in you getting reimbursed for less than you'd expect, especially if your vet charges higher-than-average fees.

  • Up to £45 towards consultation fees for each visit to the vet
  • Up to £110 towards additional out of hours fees for each necessary out of hours visit
  • 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

Time to Claim: Claims should be notified to Scratch & Patch within 60 days of any incident. They won't pay any claims for vet bills that are 12 months old or older when they are sent in.

Excess: The excess is the amount you pay towards claims. With a Scratch & Patch policy, the excess is up to £75 for younger pets and £200 for older pets. There is no percentage co-payment for older pets.

Excess per injury or illness, per year
Dogs under 8£75
Dogs over 8£200
Cats under 10£75
Cats over 10£200

Scratch & Patch Price Comparison

Scratch & Patch pirces are quite competitive relative to the market. For example, the pet owner of a 5-month-old, medium-sized, crossbreed male dog would pay in the range of around £8 per month for their Accident Only plan up to £32 per month for their top-tier Premium Plus lifetime plan with £8,000 of overall vet fee cover per year. Prices will vary from dog to dog, etc. so you may receive different quotes, but for the price, Scratch & Patch offers one of the higher overall vet fee limit.

Scratch & Patch Premium EstimatesType of PlanVet Fee LimitQuote Estimate (5-month-old crossbreed dog)
BronzeAccident Only£2,250 per accident for 12 months£8.01
SilverTime Limited£3,000 per injury/illness for 12 months£12.94
GoldMaximum Benefit£4,000 per injury/illness£19.14
PremierLifetime£4,000 per policy year£28.77
Premier PlusLifetime£8,000 per policy year£32.13
chart showing a price comparison of scratch & patch pet insurance to some competitors

Scratch & Patch Key Facts

  • Choice of Accident Only Time Limited (£2,250), Time Limited (£3k), Max Benefit (£4k) or Lifetime cover (£4k or £8k)
  • Dental injury only (not illness)
  • Notify claims within 60 days
  • Scratch & Patch Careline is available 24 hours a day, 7 days a week, 365 days a year at 0333 332 1926
  • Higher £200 excess for older pets (dogs 8+ and cats 10+)
  • Euthanasia covered on Premier and Premier Plus plans only
  • Inner limits on consultation fees, out of hours fees, alternative therapies, histoloy and cystology

Types of Scratch & Patch Policies

Scratch & Patch offers four types of policies—accident only, 12 month, max benefit and lifetime. Generally speaking, Lifetime policies are best for younger pets to protect the owner against the financial strain of recurring/chronic injuries/illnesses over the course of the pet's life. Time Limited cover can be purchased for that aren't eligible for new Lifetime cover due to age.

BronzeSilverGoldPremierPremier Plus
Time Limited (12 months), up to per accidentTime Limited (12 months), up to per injury / illnessMaximum benefit, up to per injury / illnessReinstatement, Per policy year
Reinstatement, Per policy year
Veterinary Fees* up to£2,250£3,000£4,000£4,000£8,000
Inner Limits (included within total vet fees) up to
Cruciate Ligament£500£500£1,000£1,500£2,000
MRI / CT Scan£nil£500£1,000£1,500£2,000
Alternative treatment£250£300£400£750£1,000
Dental (accident/injury)£250£3,000£4,000£4,000£8,000
Diet Food£nil£100£100£100£100
Behavioural treatment£nil£nil£nil£250£500
Covered in UK / EU PETS Scheme AreaYesYesYesYesYes
Accidental Death up to£250£500£1,000£1,500£1,500
Death due to Illness up to£nil£500£1,000£1,500£1,500
Euthanasia£nil£nil£nil£100£150
Third Party Liability (Dogs Only)£1,000,000£1,000,000£1,500,000£1,500,000£2,000,000
Excess£250£250£250£250£250
Loss & recovery£250£750£1,000£1,500£1,500
Emergency boarding and pet minding fees£250£750£1,000£1,000£1,000
Holiday cancellation£nil£750£1,000£1,500£2,500
Accidental damage£nil£nil£nil£500£750

Comments and Questions

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.