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)

Very easy to follow website and just what I needed f...

5
Very easy to follow website and just what I needed from a Pet insurance. responsible price as well. Reviewed on: 24th July 2025
AK's avatar
AK

Good competitive prices.

5
Good competitive prices. Easy and efficient site to use. Reviewed on: 24th July 2025
Juds's avatar
Juds

Top pet insurance

5
Great value and no hassle and best of all easy to set up Reviewed on: 24th July 2025
Julie F's avatar
Julie F

Best service and efficiency

5
Thank you All. i would say our pets are the top of our priority and we do anything to make pets life better. one of our dogs had accident and within several hrs we can reach Vets and get home for procedure. Your Team was very efficient and supportive Reviewed on: 24th July 2025
Elena H's avatar
Elena H

Scratch and Patch just barely above average.

3
Scratch and Patch and very disjointed when it comes to communications and claims I'm having to chase the settlements all the time on one occasion they had my details mixed up with another contact details that I didn't even know of which raises concerns for me when it comes to data protection. Generally the communication and the annual rates are too high. Reviewed on: 24th July 2025
MATTHEW 's avatar
MATTHEW

My boy went to vet hospital a few years, when you go...

5
My boy went to vet hospital a few years, when you got bill it was paid immediately Reviewed on: 24th July 2025
Rosemary S's avatar
Rosemary S

Find any possible excuse not to pay out, if the vet...

1
Find any possible excuse not to pay out, if the vet needs to use an expert to get blood results they only pay £150, our dog was getting tested for cancer and needed bliss, theses amount to over £400 for expert advice so we could an informed decision on next steps. Reviewed on: 24th July 2025
Elaine Moss 's avatar
Elaine Moss
Reply from Scratch & Patch Hi Elaine, We understand your frustration with the recent claim outcome and are here to help clarify any concerns. While our policies do cover all internal lab tests, there is a limit applied to external lab costs, which helps us keep premiums fair and affordable for all our customers. We outline these limits as clearly as possible in each policy. If you’d like to talk about your claim in more detail, please don’t hesitate to contact us: scratchandpatch.co.uk/contact-us Kind Regards, The Scratch & Patch Team Response date: 4th August 2025
Scratch & Patch logo
Scratch & Patch

German Shepherd care

5
I have had two German Shepherds insured with Scatch & Patch. Sadly the first passed away and Scratch and Patch were so sympathetic and helpful when making a claim. The second has just undergone MRI scan and again excellent service from Scratch and Patch. The staff go above and beyond to help. Easy to talk to and quick to proceed with claims. Kept me informed at all time. Reviewed on: 24th July 2025
Jacqueline A's avatar
Jacqueline A

very easy to set up with clear and concise information.

5
very easy to set up with clear and concise information. Bonnie is very happy to be insured with you!. Reviewed on: 24th July 2025
stephen m's avatar
stephen m

Everything has been sorted promptly

5
After some confusion on claims everything was sorted. All the staff have been really helpful. Reviewed on: 24th July 2025
Kay's avatar
Kay

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