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Scratch & Patch: Pet insurance reviews

View other Scratch & Patch products
4.76
Based on 289 reviews, last reviewed 14th Oct 2025
83% increase in 5 star reviews
in the past 90 days
67% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
86%
See only 4 star reviews
9%
See only 3 star reviews
1%
See only 2 star reviews
1%
See only 1 star reviews
3%

Latest highest rating:

5

I made a claim and it was paid within days of submit... I made a claim and it was paid within days of submitting the claim - quick easy and efficient Reviewed on: 14th October 2025
kara belmont's avatar
kara belmont

Latest lowest rating:

2

Wasn’t easy to go through quote but did get enough i... Wasn’t easy to go through quote but did get enough info about the product. I would prefer a bit more coverage but I haven’t had to claim yet Reviewed on: 26th September 2025
Dean t's avatar
Dean t
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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 (289)

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

Good value for money as 1st time policy holder.

5
Good value for money as 1st time policy holder. I am hoping the next quote will be lower. Reviewed on: 24th July 2025
Louise M's avatar
Louise M

Exceptionally good price for pet insurance!

5
Exceptionally good price for pet insurance!!! Was recommended by my daughter in law who uses Scratch and Patch too. Reviewed on: 24th July 2025
Alison B's avatar
Alison B

Smart pet policy that suits all.

5
Thankfully have not had to make a claim for my pet, but all correspondence with company has been a swift process and always reassuring Reviewed on: 24th July 2025
Mike 's avatar
Mike

An outstanding service

5
An outstanding service, great customer relations advice, easy to use. Loved the chat facility,great yo get advice from VETs as necessary prior to seeking our own vet. Would highly recommend. Reviewed on: 24th July 2025
Suzanne F's avatar
Suzanne F

Thank you S&P for your care.

5
In my time with Scratch & Patch I have found them to be straightforward, transparent, and approachable. I am insuring a French Bulldog which as a breed, is notorious for various health issues. S&P have always reacted swiftly and fairly. Indeed, this year's premium came with a discount! How many other providers can claim that? Reviewed on: 24th July 2025
Deirdra G's avatar
Deirdra G

Superb support.

5
Every time we have needed assistance, for our pet, Scratch and Patch has always been there. Ease of contact and always available when required. Reviewed on: 24th July 2025
Robert H's avatar
Robert H

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