Smart Money People Logo
Share this page
Link copied

Scratch & Patch: Pet insurance reviews

View other Scratch & Patch products
4.76
Based on 275 reviews, last reviewed 18th Sep 2025
23800% increase in 5 star reviews
in the past 90 days
800% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
88%
See only 4 star reviews
8%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
3%

Latest highest rating:

5

Never had any issues with the pet insurance Never had any issues with the pet insurance Reviewed on: 18th September 2025
karen marshall's avatar
karen marshall

Latest lowest rating:

1

Read the small print I have never claimed and when I had to make a claim for my dogs tooth to be extracted was told only cover if she had been in an accident. Reviewed on: 15th September 2025
Christine J's avatar
Christine J
Read all reviews Write a review

About this product

Scratch & Patch offer pet insurance policies to cover dogs and cats.

There’s a choice of cover options including lifetime pet insurance, maximum benefit, time limited and accident only. If you insure more than one pet with Scratch & Patch, you can get a discount.

Scratch & Patch pet insurance reviews help you find out what it’s really like to be a customer. If you’ve used Scratch & Patch before, you can also leave a review and share your experience.

Review Scratch & Patch: Pet insurance now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Scratch & Patch Pet insurance reviews (275)

Easy to renew and at great price

5
Easy to renew and at great price Reviewed on: 30th July 2025
David J's avatar
David J

Great customer services, competitive price

5
Great customer services, competitive price Reviewed on: 30th July 2025
Aliaksandr Kisel's avatar
Aliaksandr Kisel

Very good value for the coverage given.

5
Very good value for the coverage given. Updating policy details is very easy and straightford. Reviewed on: 29th July 2025
Ailsa 's avatar
Ailsa

Unfortunately during the insurance period my dog was...

4
Unfortunately during the insurance period my dog was diagnosed as diabetic. To establish this different tests needed to be carried out and as a result she needs regular insulin, plus a side affect of developing cataracts and going blind as a result and needing eye care. Once all medical history enquiries were made via our vets there was no issue in processing claims. I only once encountered an unfriendly/abrupt member of staff but other than that the staff that I spoke to were really helpful and professional. I didn't renew my policy purely as the premium was high, however, I have continued to insure my other dog with the company as I'm confident that an claims would be dealt with promptly and fairly. I would recommend Scratch & Patch if you are looking for a genuine honest approach to caring for your pet. Reviewed on: 28th July 2025
Jayne and Paul's avatar
Jayne and Paul

Great service and fast payout

5
Only ever had to make a claim once and it was payed out in 3 weeks great service Reviewed on: 28th July 2025
Linda F's avatar
Linda F

Payment reminder

5
Receive a reminder of payment going out of account. Easy to navigate website. Clear language used in policy. Reviewed on: 28th July 2025
Sharon M's avatar
Sharon M

Our Labrador had mobility issues/arthritis and the V...

4
Our Labrador had mobility issues/arthritis and the Vets bills were settled reasonably quickly. No complaints at all. Reviewed on: 27th July 2025
David 's avatar
David

Good customer service

5
I did have a problem in setting up the policy/DD but after contacting Scratch & Patch , it was sorted out & my policy set up for my 2 cats. I’ve not had to use the policy for any claims , hopefully, I won’t ne to. Reviewed on: 26th July 2025
HMW's avatar
HMW

Very good company to deal.

5
Very good company to deal. When my dog was not well, she needed treatment and I was able to claim with no hassle and customer service was very helpful. One of the reason why I renewed my dog insurance with Scracth & Patch, the staff were helpful and friendly. Reviewed on: 26th July 2025
Maria 's avatar
Maria

Excellent and easy to,use website

5
Excellent and easy to,use website Reviewed on: 26th July 2025
Tracey G's avatar
Tracey G

Review Scratch & Patch: Pet insurance now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill