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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
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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)

We have not made a claim yet but I’m sure in the fut...

5
We have not made a claim yet but I’m sure in the future they will be more then helpful Reviewed on: 24th July 2025
Norman hart's avatar
Norman hart

To be honest I’ve not had to use my insurance but ha...

5
To be honest I’ve not had to use my insurance but had no issues so far which is good Reviewed on: 24th July 2025
Louise G's avatar
Louise G

Good coverage for an older dog

5
My older dog required quite an expensive throat operation. S&P were excellent (prompt and fair) in settling my claim up to the insured limit. Communication was efficient and comprehensive. Reviewed on: 24th July 2025
Thomas C's avatar
Thomas C

Great customer service value could be better

4
Great customer service. They dealt directly with vet too , though I was given the choice. The level of cover could be better. E.g cost of vet consult £56 but insurance only pays up to £45. Also the won’t cover full cost of drugs. It is however, in comparison with other companies, much lower premiums Reviewed on: 24th July 2025
lorraine f's avatar
lorraine f

Fabulous!

5
Scratch and Patch have been fantastic in supporting with my claim. Everyone I have spoken to has been knowledgeable, helpful, friendly and kind. Thank you so much! Reviewed on: 24th July 2025
Ruth I's avatar
Ruth I

New customer

4
I have not made a claim for my pet yet but the customer service has been excellent so far Reviewed on: 24th July 2025
Derek Marshall's avatar
Derek Marshall

Support from S&P

5
We had to put our dog through a procedure with our vet. Dealing with S&P was a straightforward process from application to claim to payment. Excellent support. Reviewed on: 24th July 2025
Andy D's avatar
Andy D

Good price and simple process for quote

4
Most reasonably priced, easy to complete details and get quote. Reviewed on: 24th July 2025
Jane S's avatar
Jane S

Great customer service, easy to contact

5
Great customer service, easy to contact Reviewed on: 24th July 2025
Magda 's avatar
Magda

Value for money

5
I have not claimed anything for my dog however I’m so far happy with the cover Reviewed on: 24th July 2025
DN's avatar
DN

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