My dog had 2 episodes of cancer that required surgery monitoring lasar and dressings he also had monitored analgesia. Scratch and patch paided my claim for which I was grateful but above all my boy wa... Mehr ansehen
Wir überprüfen keine spezifischen Behauptungen, da die Meinungen der Bewerter ihre eigenen sind. Wir können Bewertungen jedoch als „verifiziert” kennzeichnen, wenn wir bestätigen können, dass eine geschäftliche Interaktion stattgefunden hat. Mehr erfahren
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Das sagen Bewerter
Run by Ai and if you get past them well done. I spent 1hour trying to change payment methods and told again and again to choose from list WHAT LIST .I don’t understand companies like these they just a... Mehr ansehen
Unternehmen hat geantwortet
Unfortunately I had to make a claim recently but Scratch & Patch handled it quickly and effectively without any stress or worry. I was paid out within 2 weeks and it was fast and straightforward. I di... Mehr ansehen
Unternehmen hat geantwortet
After spending most of the morning looking at pet insurance online with lots of companies, I then googled Pet Insurance and the reviews were very good for Scratch & Patch so did a quotation very easy... Mehr ansehen
Unternehmen hat geantwortet
Unternehmensdetails
Über Scratch & Patch
Vom Unternehmen geschrieben
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At Scratch & Patch, we know one thing for sure: your dog or cat is not just a pet — they’re part of the family. That’s why we’ve built our pet insurance to deliver reliable protection, simple choices, and genuine peace of mind for every paw in your household. 😺🐶
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Kontaktinformationen
124 City Road, EC1V 2NX, London, Vereinigtes Königreich
- 0330 102 6839
- admin@scratchandpatch.co.uk
- scratchandpatch.co.uk
Scratch & Patch Pet Insurance
4,5
Hervorragend
2235 Bewertungen
Bittet Kunden um Bewertungen
Das Unternehmen lädt seine Kunden ein, Bewertungen zu hinterlassen – ob positive oder negative.
Hat 98 % seiner negativen Bewertungen beantwortet
Antwortet meist innerhalb von 24 Std.
So nutzt dieses Unternehmen Trustpilot
Erfahren Sie, woher die Bewertungen stammen und wie sie ausgewertet und moderiert werden.
Very good experience.
Very good experience with the website, very easy to navigate. I recommend.
18. Juni 2026
Antwort von Scratch & Patch
Hi Richard,
Thank you for taking the time to leave us a review. We’re really pleased to hear you found the website easy to navigate and would recommend us.
If you have any questions or issues whatsoever, you can contact us here: https://scratchandpatch.co.uk/contact/
Your Scratch & Patch Family 🐾💙🧡
Good price and value for Pet Insurance.
10. Juli 2026
Antwort von Scratch & Patch
Hi Harry,
Thank you for your review.
We're really pleased to hear you found our pet insurance to be good value. We appreciate you choosing Scratch & Patch and hope we'll continue to provide you with great service for years to come.
If you ever need us, we're here to help: https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
I had plenty of communication not left…
I had plenty of communication not left wondering what's going on . Very fast turnaround from when I put claim in . So reasonable too each month
10. Juli 2026
Bewertung ohne vorherige Einladung
Antwort von Scratch & Patch
Hi Debbie,
Thank you for taking the time to leave us such a review.
We're delighted to hear that you were kept informed throughout your claim and that it was processed so quickly. It's also great to know you feel your monthly premium offers good value.
If you ever need anything, we're always here to help: https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
I recently lost my dog roxi at age 7…
I recently lost my dog roxi at age 7 no signs of illness till out walking her leg just snapped in half. Due to bone cancer so sadley had to let her go peacefully. cut a long story short vets bills £2500 .£1100 was taken of vet fees leaving me with £1400.Then I'm told I have to keep paying policy on my dead dog for a further 6 months. Didn't see this in the small print. This is shamefully.and so stressful to me.also recive nothing for lost of my beloved dobberman roxy.please think carefully read everything and consider is insurance worth it .to me I just ended up with nothing considering all cost .
Regards phil mayoh iv read your reply to me on trustpilot.i think your policy was not worth the premium and having to carry on paying for 6 moths after dogs death is ridiculous. I will be get anoughter dog at sum point in life but will not be you customer anymore 6 members of my family all have pet insurance with your company and they are shocked on outcome of claim especially paying insurance for a deceased dog would this happen for a deceased human iv learnt a life lesson read small print again and again and double check
11. Juli 2026
Bewertung ohne vorherige Einladung
Antwort von Scratch & Patch
Hi Phil,
We’re very sorry to hear about the loss of Roxi and understand how upsetting and stressful this experience must have been.
We’ve sent you a request via Trustpilot for some further information about your policy and claim. If you could provide the additional details requested, we’ll investigate your experience further and ensure the concerns you’ve raised are reviewed and that you are contacted by our customer care team
Kind Regards,
Scratch & Patch 🐾💙🧡
------- Updated Reply ----------
Hi Phil,
Following an internal review of the concerns raised in your Trustpilot review, our Customer Care Manager has now completed their findings and sent you an email directly addressing the points you raised.
We hope this provides some further clarity, and once again, we are very sorry for the loss of Roxy.
Scratch & Patch 🐾💙🧡
Not to be trusted to insure your pet
My first claim has been incorrectly rejected by scratch and patch. They seem to be wriggling out of a claim saying it’s an existing condition when it clearly is not. In their rejection email they are also referencing lots of other terms and conditions as a basis to reject and this seems to be overly legal and not even relevant. Very disappointing and not to be trusted with your pets insurance!
2. Dezember 2025
Antwort von Scratch & Patch
Hi,
We're very sorry to hear about your experience and appreciate how frustrating it must have been.
Thank you for providing your policy information via Trustpilot so that we can investigate and review your claim thoroughly. Once we've completed our initial review, a member of our team will be in touch directly to discuss your concerns.
Warm regards, Your Scratch & Patch Family 🐾💙🧡
---------------------- Updated Reply ----------------------
Hi Mr Bayly,
Thank you for taking the time to share your feedback. Following a further review of your claim, we're sorry to hear that you're disappointed with the outcome.
We appreciate that having a claim declined can be upsetting. However, our review confirmed that the decision was made in line with the policy terms and the veterinary history provided. Pet insurance is designed to cover new conditions that arise after cover begins, and unfortunately it does not provide cover where the available veterinary evidence indicates that a condition, or related signs or symptoms, existed before the policy started.
We understand that you may feel your pet's current condition is separate, but all claims are assessed using the veterinary records alongside the policy wording to ensure decisions are fair and consistent for all customers.
Due to confidentiality, we cannot discuss the specific details of your claim publicly, but we remain available to discuss any concerns directly with you, or through our formal complaints process if required.
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
Cheaper than the competition
Cheaper than the competition, easy to set up insurance with
10. Juli 2026
Antwort von Scratch & Patch
Hi Paul,
Thank you for your fantastic review 😊
We're delighted to hear you found our cover competitively priced and that arranging your pet insurance was quick and easy.
Thank you for choosing Scratch & Patch—we're so pleased to have you with us!
If there is anything else we can help with, please don’t hesitate to contact us https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
Insurance easy to set up
Insurance easy to set up and quite reasonable price considering our dog's age (9).
7. Juli 2026
Antwort von Scratch & Patch
Hi Alexandra,
Thank you for your lovely review! We're delighted to hear you found it easy to arrange your dog's insurance and that you were happy with the price, especially for a senior dog.
We really appreciate you choosing Scratch & Patch and look forward to being there whenever you need us https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
I found the site for insuring both of…
I found the site for insuring both of our Miniature schnauzers very easy.
7. Juli 2026
Antwort von Scratch & Patch
Hi Christine,
Thank you for your lovely review! We're delighted to hear you found it easy to arrange cover for both of your Miniature Schnauzers.
We really appreciate you choosing Scratch & Patch and look forward to being there whenever you need us https://scratchandpatch.co.uk/contact/
Warm regards, Your Scratch & Patch Family 🐾💙🧡
Antwort von Scratch & Patch
Hi,
Thank you for your review! We're so pleased to hear you found it quick and easy to arrange your pet insurance.
If there’s anything else we can help with, don’t hesitate to get in touch with us via https://scratchandpatch.co.uk/contact/
Thank you for choosing Scratch & Patch - we're delighted to have you as part of our family! 🐾💙🧡
Competitive price and easy to switch…
Competitive price and easy to switch from previous provider
10. Juli 2026
Antwort von Scratch & Patch
Hi John,
Thank you for your review! We're delighted you found our prices competitive and that switching from your previous provider was quick and easy.
We really appreciate you choosing Scratch & Patch.
If there’s anything else we can help with, don’t hesitate to get in touch with us via https://scratchandpatch.co.uk/contact/
Warm regards, Your Scratch & Patch Family 🐾💙🧡
Great Vaue and Customer Service
Just taken out a second policy with Scratch and Patch via Confused.com which was £240 cheaper than my renewal with Argos!! Same cover, with only an additional £26 in excess.
When I couldn't register the policy due to my details already being in the system, I contacted them via the online chat and CSA Daisy, not only sorted it quickly and efficiently, she also applied a 20% discount to the new policy fee on their multi-pet scheme which I had no idea about.
Thankfully, I haven't had to claim yet, so cannot comment on that front, but otherwise great so far.
Well Done Scratch and Patch 😁
10. Juli 2026
Bewertung ohne vorherige Einladung
Antwort von Scratch & Patch
Hi,
Thank you so much for your fantastic review! We're delighted to hear you found great value with us and that switching saved you so much on your renewal.
It's especially lovely to hear that Daisy was able to resolve your query quickly and make sure you received your 20% multi-pet discount. We'll be sure to pass on your kind words to her – she'll really appreciate the recognition 😊
If you do need to make a claim, our team will be here to support you every step of the way https://scratchandpatch.co.uk/contact/
Thank you again for choosing Scratch & Patch to protect both of your pets!
Warm regards, Your Scratch & Patch Family 🐾💙🧡
Antwort von Scratch & Patch
Thank you for your review! We're delighted to hear you were pleased with both our prices and the service you received 😊
If there’s anything else we can help with, don’t hesitate to get in touch with us via https://scratchandpatch.co.uk/contact/
Warm regards, Your Scratch & Patch Family 🐾💙🧡
Excellent price to insure both my dogs
Excellent price to insure both my dogs, my previous provider had escalated the price & I wasn’t sure if I could even afford to insure them, but the thankfully Scratch & Patch came to the rescue! Thank you.
2. Juli 2026
Antwort von Scratch & Patch
Hi Michelle,
Thank you so much for your wonderful review! We're delighted we could help you keep both of your dogs insured at a price that works for you.
We know how important it is to have peace of mind without breaking the bank, so it's fantastic to hear Scratch & Patch came to the rescue.
Thank you for choosing us, and we wish you and your dogs many happy, healthy adventures together!
If there’s anything else we can help with, don’t hesitate to get in touch with us via https://scratchandpatch.co.uk/contact/
Warm regards, Your Scratch & Patch Family 🐾💙🧡
The insurance for my cat was easy to…
The insurance for my cat was easy to set up and the prices quoted were reasonable.
9. Juli 2026
Antwort von Scratch & Patch
Hi Sandra,
Thank you for your lovely review! We're delighted to hear that arranging your cat's insurance was quick and easy, and that you found our prices competitive.
We really appreciate you choosing Scratch & Patch and we are here whenever you need us https://scratchandpatch.co.uk/contact/
Warm regards, Your Scratch & Patch Family 🐾💙🧡
Avoid Scratch & Patch
Avoid Scratch & Patch – they were quick to refuse my claim, but impossible to contact afterwards.
If I could give zero stars, I would.
My experience with Scratch & Patch has been nothing short of appalling.
My dog Rupert suffered a cruciate ligament rupture in his left hind leg over 6 months ago prior to me moving to Scratch & Patch. He has now developed a separate problem with his right hind leg. Scratch & Patch declined the claim on the basis that it was supposedly related to the previous injury.
They asked my vet for her professional opinion, and she responded:
“In my professional opinion it would be hard to say if the two are related or not. This has occurred six months after the left hind limb issues and is definitely a different limb.”
In other words, there is no evidence that the two conditions are related. Equally, there is no evidence that they are unrelated because, as my vet explained, no ethical veterinary professional could ever state with 100% certainty that two conditions have absolutely no connection.
Rather than acknowledging this uncertainty, Scratch & Patch simply interpreted it entirely in their own favour. They have refused to pay because my vet cannot prove a negative.
I asked them what veterinary evidence they had relied upon to conclude that a previous injury to Rupert’s left hind leg had caused or contributed to a completely separate condition affecting his right hind leg. I also asked them to identify the policy wording and independent veterinary evidence supporting their decision.
Silence.
I sent a detailed email challenging their decision.
No response.
I sent a chaser.
No response.
I also previously raised a complaint about what I believe was the policy being mis-sold to me.
Again… no response.
Today I tried calling them. I sat in the queue for well over an hour. I deliberately didn’t choose the callback option because, quite frankly, I had no confidence that they would actually call me back. After wasting more than an hour of my time, I eventually gave up and reluctantly requested a callback instead.
Unsurprisingly, no callback ever came!!
What I have learned is that Scratch & Patch are incredibly quick to contact you when they’re telling you they won’t pay a claim. When it comes to answering perfectly reasonable questions or responding to complaints, they simply disappear.
The most upsetting part is that they are clearly happy to risk animals going without the investigations and treatment they need because most people don’t have hundreds or thousands of pounds available to fund everything privately. That is exactly why we pay for pet insurance in the first place.
I deeply regret leaving my previous insurer. I’m confident they would have assessed Rupert’s claim on the evidence available, rather than refusing it because my vet couldn’t provide an impossible level of certainty. I only moved to Scratch & Patch because the policy they sold me appeared to offer better long-term cover for Rupert. Instead, I now have an excluded condition that no new insurer will cover, and I’m left paying for a policy that I have no faith in whatsoever.
I’ve even asked them to cancel my policy, and they’ve ignored that too. Since it appears to be virtually impossible to communicate with anyone at the company, I’ll now have no option but to just cancel the Direct Debit instead.
If you’re considering Scratch & Patch, I’d urge you to read the policy wording extremely carefully and think twice before trusting that they’ll be there when your pet actually needs them. I read the policy and also called them to ensure I had read everything correctly and to ensure I understood the cover. They assured me I was covered for up to £4000. However!.. when it came to it that’s not actually true because they cap the amount for various treatments. They never mentioned this to me on the phone when I took the policy out.
My experience has been that once it’s time to make a claim, communication becomes almost impossible, and uncertainty is interpreted entirely in their favour.
I certainly won’t be recommending them to anyone.
8. Juli 2026
Bewertung ohne vorherige Einladung
Antwort von Scratch & Patch
Hi Nicola,
Thank you for taking the time to share your feedback. We're very sorry to hear about your experience and appreciate how frustrating this situation must have been.
We've sent you a request for further information via Trustpilot so we can identify your policy and investigate the matters you've raised. Please respond when you have a moment, and we'll review everything thoroughly.
Once we've completed our initial review, a member of our team will be in touch directly to discuss your concerns.
Warm regards, Your Scratch & Patch Family 🐾💙🧡
---------------------- Updated Reply ----------------------
Hi Nicola,
We're very sorry to read about your experience and appreciate you taking the time to share your feedback. We have identified your policy and are investigating your experience further.
We understand how upsetting it can be to receive an unexpected claims decision. We'd like to clarify that claims are assessed in accordance with the policy terms and the veterinary information available. This includes the policy provisions relating to pre-existing conditions and bilateral conditions, where eligible conditions affecting paired body parts may be treated as a single condition under the terms of the policy.
We're also sorry to hear about the communication issues you've described. This isn't the level of service we strive to provide. Our Care Team will be contacting you directly to discuss your concerns, and we'll ensure the matters you've raised, including your claim and complaint, are fully investigated through our formal complaints process.
Warm regards, Your Scratch & Patch Family 🐾💙🧡
Easy to organise and good price
8. Juli 2026
Antwort von Scratch & Patch
Hi Sharon,
Thank you for your lovely review! We're so pleased to hear you found it easy to arrange your cover and that you were happy with the price.
We really appreciate your feedback and thank you for choosing Scratch & Patch.
If there’s anything else we can help with, don’t hesitate to get in touch with us via https://scratchandpatch.co.uk/contact/
Warm regards, Your Scratch & Patch Family 🐾💙🧡
Antwort von Scratch & Patch
Hi Alison,
Thank you for your fantastic review! We're delighted to hear you found the process easy and hassle-free, and that our pricing was competitive.
We really appreciate you choosing Scratch & Patch, and we're here whenever you need us https://scratchandpatch.co.uk/contact/
Warm regards, Your Scratch & Patch Family 🐾💙🧡
Up to now been great no problems
Up to now been great no problems , not used the policy though so can’t say how good it is 😊
1. Juni 2026
Antwort von Scratch & Patch
Hi Michelle,
Thank you for your lovely review.
We're so pleased to hear everything has gone smoothly so far. We hope you never need to make a claim, but if you ever do, our team will be here to make the process as straightforward as possible.
If you ever need anything in the meantime, you can get in touch with us via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
quick and good competitive price
7. Juli 2026
Antwort von Scratch & Patch
Hi Lee,
Thank you for taking the time to leave us a 5-star review.
We're delighted to hear that you found the process quick and our prices competitive. We work hard to provide great value alongside excellent cover, so it's lovely to know that's been your experience.
If you ever need anything, we're always here to help: https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
Extremely good
Extremely good. Initially I had a lack of trust with any insurance company paying out. But after this incident our claim was processed quickly
2. Juni 2026
Bewertung ohne vorherige Einladung
Antwort von Scratch & Patch
Hi Bill,
Thank you for taking the time to leave us such a lovely review.
We're especially pleased to hear that we've helped change your perception of pet insurance claims. Knowing that your claim was processed quickly and gave you confidence when you needed it most means a lot to us.
If you ever need anything, we're always here to help: https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
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