Protect the paws you love
They’re family—protect them like it.
Quick and easy pet insurance for your dog or cat.
Made-to-measure cover
From basic to full-on pampered, our choice of cover levels fit every paw and every pocket.
Lifetime Pet Insurance
Peace of mind lifetime cover
Our most comprehensive pet insurance seeks to insure against recurring medical issues your pet may have throughout its lifetime, as long as you keep the policy running.
Maximum Benefit Insurance
Maximum benefit cover
Our maximum benefit pet insurance covers new conditions up to a cover limit for the length the policy is in place and there’s not a time limit to your claim.
Time Limited Pet Insurance
Time-limited cover
Time-limited pet insurance excludes certain conditions after you hit your claims limit or once the time limit (usually 12 months) expires.
Accident Only Pet Insurance
Essentials pet insurance
Our accident only pet insurance provides a fixed sum of money for each accidental injury to help pay for your pet’s treatment. It is the cheapest type of pet insurance policy but excludes cover for illness.
Tail wagging benefits
24/7 Vet careline
Expert advice, day or night, 365.
We've got you covered
Support when it matters most
10% multi-pet discount
More pets, more savings.
Switching made simple
Immediate cover if you’re already insured.

I'd recommend them as the team are very efficient and very quick to sort out a claim and also quick to get the paperwork to the vets.


From our pet community
Answers at your fingertips
What makes Scratch & Patch different?
At Scratch & Patch we understand that your pets are part of your family. That’s why we want to provide pet insurance your pets will love you for. For people new to pet insurance, we know it’s not always the easiest to understand. That’s why we aim to simplify what it means and how it works, giving you peace of mind with comprehensive cover that protects all your 4-legged family members.
So, whether you’re a new puppy owner or looking to protect your trusty old friend, we can help. You can find all the information you’re looking for on our website and in our FAQ section.
Why do I need pet insurance?
Pet insurance helps to protect you against unexpected costs related to your pet, such as vet bills. These costs can vary depending on the treatment required and where you live, but they can often run into the hundreds and sometimes thousands of pounds. You’ll understandably want to balance this need with the cost of your premiums and the likelihood that you’ll make a claim.
Other factors to consider are the age of your pet, and their breed’s susceptibility to congenital and hereditary conditions. Along with cover for vet fees, pet insurance can also provide peace of mind if your dog or cat is lost or stolen, requires behavioural or alternative treatments, as well as liability cover.
You can find more information about the policies we offer here.
What types of policies do Scratch & Patch offer?
We offer 6 cover levels with protection from accident only through to our most comprehensive lifetime plans. All our plans include:
- 10% multi-pet discount
- 24/7 Vet carelinen
- 94% of claims accepted*
- Switch to us and we’ll waive the waiting period for illnesses
Lifetime Cover (Premier Plus, Premier & Prime)
Our most comprehensive pet insurance seeks to provide veterinary fee cover for illnesses or injuries your pet may have throughout its lifetime, as long as you keep the policy running. All accepted conditions are covered until the overall vet fee cover limit is reached, for each policy year. Once the limit is reached, no further claims can be paid, however the ‘pot of money’ is topped back up again at renewal. Learn more …
Maximum Benefit Cover (Gold)
Our maximum benefit pet insurance provides veterinary fee cover up to a total limit (£) for each separate illness or injury, for the length the policy is in place. Once that cover limit is reached, the illness or injury then becomes excluded with no further benefit payable for that condition. Learn more …
Time Limited Cover (Silver)
Time-limited pet insurance helps to protect cats and dogs against vet fees caused by injuries and illnesses for a certain time period. The 12 month clock starts from the date the condition was first ‘treated’. Learn more …
Accident Only Cover (Bronze)
Our accident only pet insurance provides a fixed sum of money for each accidental injury to help pay for your pet’s treatment. It is the cheapest type of pet insurance policy but excludes cover for illness. Learn more …
You can choose the plan that suits you best by comparing all our policies here.
*Based on all claims closed in 2023
Do you offer multi-pet discount?
Yes, our multi-pet discount protects all the pets in your family and is available regardless of the level of cover you choose. By insuring 2 or more pets with us, we’ll give you a 10% discount off your total insurance premium. This will be deducted automatically when calculating your quote.
If you’re an existing Scratch & Patch customer looking to add a new 4-legged friend to your policy, contact our customer service team on 0330 102 6839 so that you can start benefiting from our multi-pet discount today.
Do you offer advice on which policy to buy?
You will not be provided with advice or any recommendations relating to the purchase of a policy from us, but you will receive sufficient information on the product to enable you to make an informed decision on whether it meets your demands and needs.
You can also find more information about the policies we offer on our website, by searching our FAQs, and by reviewing our Policy Documents.
How can I check what I am or am not covered for?
You can see what you are and are not covered for by reviewing our Policy Documents. You can also check your Policy Schedule by logging into My Account. This provides details of your excess, co-payment and inner limits applicable to the policy cover.
Please ensure that you have also checked our full list of policy exclusions, including 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.
How do I get a quote?
You can get a quote online in just a few minutes here.
You can find more information about the policies we offer on our website, by searching our FAQs, and by reviewing our Policy Documents. If you prefer to speak to us to discuss our policies you can contact us on 0330 102 6839.
Although we can’t give advice to you, we can assist in helping you understand your choices.