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Scratch & Patch: Pet insurance reviews

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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
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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.

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Scratch & Patch Pet insurance reviews (275)

I've only had to claim once in 8 years.

5
I've only had to claim once in 8 years. Scratch and Patch were empathetic, helpful and gave excellent customer service. Reviewed on: 24th July 2025
Anne C's avatar
Anne C

Great price with amazing value.

5
Great price with amazing value. Added extras such as news letters and updates Reviewed on: 24th July 2025
TBS's avatar
TBS

My dog had a fatty lump,

5
My dog had a fatty lump, used the phone vet to discuss went to our own vet and discussed the options suggested by the Insurer vet. Had the lump removed and finished treatment. Submitted claim no problems and full claim minus waiver paid out within 10 days Reviewed on: 24th July 2025
Keith L's avatar
Keith L

Helpful and friendly

5
Helpful and friendly when I had to change some details on my policy Reviewed on: 24th July 2025
Linda A's avatar
Linda A

Great product at a fair price

5
Great product at a fair price, delivers on what I expect for my Dog and gives peace of mind that she's covered. for the unexpected. Reviewed on: 24th July 2025
Ian B's avatar
Ian B

Excellent friendly service value for money and quick...

5
Excellent friendly service value for money and quick and easy claims process Reviewed on: 24th July 2025
Jo's avatar
Jo

Great customer service.

5
Extremely easy to contact the company, via online or by phone. Claims are FAIRLY quick and happy to deal with veterinary practices direct. Reviewed on: 24th July 2025
Rosie W's avatar
Rosie W

Easy to set up insurance and very helpful go through...

5
Easy to set up insurance and very helpful go through everything with you Reviewed on: 24th July 2025
Christine F's avatar
Christine F

Love scratch and patch but recommended to my cousin...

4
Love scratch and patch but recommended to my cousin she was giving a better deal, the same deal for me was going ti be dearer. Reviewed on: 24th July 2025
Karen 's avatar
Karen

Easy, efficient however read the small print

4
Easy to apply for a claim, took a while to get the claim approved but once it had been cleared. The money was in my account quickly. Only reservation is about the specific limits within the policy which can limit the claim quite significantly if you dont know about it. Reviewed on: 24th July 2025
Riana T's avatar
Riana T

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