Let's be honest Pet Insurance is totally over priced & a rip off but we have to have it. The staff member was really helpful, price not bad for 2 dogs but there's not much difference between companie... Ver mais
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Veja o que dizem as avaliações
Disgusting organisation, before you sign with these cow boys, read the SMALL PRINT. Absolute rip offs and even after paying £2400 which they wouldn't cover, they said we couldn't cancel until next... Ver mais
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For the first time in my dogs life of 8 years she suddenly became very ill and needed urgent veterinary attention including a stay in hospital. As far as my wife and I were concerned we would do wha... Ver mais
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In 20 years of owning cocker spaniels I have never had to make a claim before but when my 4 year old cocker spaniel was taken very ill with IMTP Scratch and Patch handled all of my claims and paid out... Ver mais
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Detalhes da empresa
Sobre Scratch & Patch
Escrito pela empresa
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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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Informações de contato
124 City Road, EC1V 2NX, London, Reino Unido
- 0330 102 6839
- admin@scratchandpatch.co.uk
- scratchandpatch.co.uk
Scratch & Patch Pet Insurance
4,5
Excelente
2 mil avaliações
Pede aos clientes que avaliem
Esta empresa convida seus clientes a deixarem avaliações, sejam elas positivas ou negativas
Respondeu a 100% das avaliações negativas
Normalmente responde dentro de 24 horas
Como esta empresa usa o Trustpilot
Veja como as avaliações e classificações são obtidas, pontuadas e moderadas.
Easy to apply for Pet Insurance
Easy to apply for Pet Insurance. Price cheaper than previous insurance
25 de maio de 2026
Resposta da Scratch & Patch
Hi Mrs Lloyd,
Thank you for taking the time to leave us a review.
We’re pleased to hear you found the application process easy and the price competitive compared with your previous insurance.
If you ever have any further questions, you can get in touch with us via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
Resposta da Scratch & Patch
Hi Evie,
Welcome to the family!
Thank you for taking the time to leave us a review,
We’re pleased to hear you found the quote reasonable and competitive.
If you ever have any further questions, you can get in touch with us via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
Resposta da Scratch & Patch
Hi there,
Thank you for taking the time to leave us a review.
We’re really pleased to hear you received good customer service from our team.
If you ever need to contact us, you can get in touch with us via https://scratchandpatch.co.uk/contact/
Your Scratch & Patch Family 🐾💙🧡
Claim experience
For the first time in my dogs life of 8 years she suddenly became very ill and needed urgent veterinary attention including a stay in hospital. As far as my wife and I were concerned we would do what we could to get her through it so the insurance was not upper most in our minds. Thankfully Maggie pulled through and is now fit and well.
We’ve been with Scratch and Patch for two years and have been happy with the premium offered and it was clear that any claim would require us to pay £275 and then 20% of any claim. The issue, being insurance, is what would happen if a claim was ever made ie would there be ‘nasties’.
I’m happy to say the claim process was super easy. I needed a couple of things clarified and the claims department were very responsive. I received a bank transfer for the expected sum less than 10 days after submitting the claim. Great experience. Fingers crossed the premium doesn’t shoot up next year!
4 de maio de 2026
Avaliação não solicitada
Resposta da Scratch & Patch
Hi Dave,
Thank you so much for taking the time to share your experience.
We’re really sorry to hear Maggie became so unwell, but it’s lovely to know she pulled through and is now feeling better.
We completely understand that, in those moments, the main focus is getting your pet the care they need rather than thinking about the insurance side of things, so we’re really pleased the claim process felt simple and straightforward when you needed it.
It’s also great to hear the payment was received quickly and that the experience helped give some reassurance around claiming.
If you ever need to contact us, you can get in touch with our team via https://scratchandpatch.co.uk/contact/
Your Scratch & Patch Family 🐾💙🧡
Resposta da Scratch & Patch
Hi Mrs Matra,
Welcome to the family!
Thanks so much for joining us and for taking the time to leave a review. It’s great to hear you found the best price while still getting the cover you needed.
If you ever have any questions, you can reach us here: https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
Fantastic customer service
Fantastic customer service. Extremely helpful staff and great price. Highly recommended.
19 de janeiro de 2026
Resposta da Scratch & Patch
Hi Mr Armstrong,
Thanks so much for taking the time to leave such a lovely review. It’s great to hear the team were helpful and that you found the price worked well for you.
I’ll be sure to pass your comments on to the wider team — they’ll be thrilled to know they helped make your experience with us such a positive one.
If you ever have any questions, you can reach us here: https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
Only just joined Scatch & Patch this…
Only just joined Scatch & Patch this month but based on price and range of cover it’s very good value for money. So far so good but it’s only if you need to make a claim you find out how good the price and level of cover is. Very happy so far though.
16 de maio de 2026
Resposta da Scratch & Patch
Hi Mrs Faulkner,
Welcome to the family!
Thanks so much for joining us and for leaving such a kind review. It’s great to hear the cover and price worked well for you.
We hope your pet continues to live a long and healthy life and you never find yourself needing to make a claim, but if you do, we’ll be here to help every step of the way.
If you ever have any questions, you can reach us here: https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
Very competitive.
15 de maio de 2026
Resposta da Scratch & Patch
Hi there,
Thank you for taking the time to leave us a review.
It’s great to hear you found our cover very competitive, and we’re pleased you chose Scratch & Patch for your pet insurance.
If you ever have any further questions, you can get in touch with us via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
Let's be honest Pet Insurance is…
Let's be honest Pet Insurance is totally over priced & a rip off but we have to have it.
The staff member was really helpful, price not bad for 2 dogs but there's not much difference between companies to be honest. Please try to keep your prices lower & customers will flock to you.
3 de maio de 2026
Avaliação não solicitada
Resposta da Scratch & Patch
Hi Lynn,
Welcome to the family!
Thank you for taking the time to leave us a review and for your honest feedback.
We’re really pleased to hear our team member was helpful, and we completely understand your comments around price. Pet insurance costs across the market can feel expensive, especially when covering more than one beloved pet, so we do appreciate where you’re coming from.
We do keep a close eye on the market to make sure we’re offering strong, reliable cover at an affordable premium. At the same time, we believe price shouldn’t overpower the comfort and peace of mind customers should feel when choosing the right insurance product. That’s why we offer a range of cover options, so customers can choose the level that best suits their pets, their needs and their pocket.
Thank you again for choosing Scratch & Patch and for sharing your thoughts with us.
If you ever have any further questions, you can get in touch with us via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
Resposta da Scratch & Patch
Hi Gemma,
Welcome to the family!
Thank you for taking the time to leave us such a lovely review. It’s great to hear you found the communication clear and that you’re happy with the policy chosen.
If you ever have any further questions, you can get in touch with us via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
Very easy to use straight forward very…
Very easy to use straight forward very good price
17 de maio de 2026
Resposta da Scratch & Patch
Hi Lilly,
Welcome to the family!
Thank you for taking the time to leave us a review. We’re so pleased to hear you found setting up your policy easy and straightforward, and that you were happy with the price too.
If you ever have any further questions, you can get in touch with us via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
Very good prices
17 de maio de 2026
Resposta da Scratch & Patch
Hi there,
Welcome to the family!
Thank you for taking the time to leave us a review. We’re really pleased to hear you found our prices competitive, and we’re grateful you chose Scratch & Patch for your pet’s cover.
If you ever have any further questions, you can get in touch with us via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
Resposta da Scratch & Patch
Hi Lisa,
Thank you for taking the time to leave us such a lovely review.
We’re really pleased to hear you found the website easy to navigate and that everything felt straightforward. It’s great to know you’ve had a brilliant experience with us so far.
If you ever have any further questions, you can get in touch with us via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
Greatprice
Great price looked at a good few per insurance and scratch and patch were the best price
12 de maio de 2026
Resposta da Scratch & Patch
Hi Leslie,
Thank you for taking the time to leave us a review.
It’s great to hear that, after comparing a few pet insurance options, you found Scratch & Patch to be a great value product with excellent cover choices alongside some of the leading brands. We’re really pleased to know we came out top for you, and it’s lovely that you’ve chosen to put your trust in us.
If you ever have any further questions, you can get in touch with us via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
ABSOLUTE DISGRACE!!!
ABSOLUTE DISGRACE!!!! THIS COMPANY SHOULD BE CLOSED DOWN. IF I COULD GIVE YOU ZERO STARS, I WOULD.
THE ONLY RECOMMENDATION I WOULD GIVE FOR SCRATCH AND PATCH IS TO AVOID THEM AT ALL COSTS.
In short, I lost my beloved 17.5 year old dog at the beginning of February. I understood because of her age there would be certain levies applied to my claim, however, I wasn’t expecting to receive an offer from Scratch and Patch to cover only 25% of the bill. Like many other reviews on Trustpilot, no repayment for euthanasia or cremation even though the policy has cover. The money I will receive only covers my Direct Debit payments made so far since the policy was renewed.
Not long after my claim was submitted through my vets, I received a notification email from S & P to advise my next direct debit payment was due. I replied stating that they were currently processing my claim as my dog had passed away so why wasn’t my DD cancelled? This is the reply I received……
'The claims team have informed us about Coco's passing and instructed us to cancel your policy.
Please be aware that as you have claimed during the policy year, the remaining monthly payments are still owed in line with our cancellation terms and conditions.
Pet insurance policy is an annual contract. This means the premium you pay is calculated to cover the risk for the full policy year, even if a claim is made partway through. Once a claim is made, the full annual premium becomes payable, as the policy has already provided its intended financial protection. If a claim is made on the policy, you are still responsible for the full payment for that year, even if circumstances change later.
We just wanted to let you know that we have set your policy to not automatically renew at the end of the policy year.
You can choose to keep the direct debit payments running as normal, alternatively you can also call to pay the rest of the year in full.
Once again, we would like to offer our condolences to yourself and your family in regards to the passing of Coco.'
In summary, I am now on the hook to pay another 6 months of DD payments after my dog has passed, so what I receive as part of my claim will now be eaten away because of those payments.
SINCE WHEN HAS A PET INSURANCE POLICY BEEN AN ANNUAL CONTRACT??
As for many other reviewers, this has now caused me a lot of stress and upset on top of an already emotional time.
To add even more insult to injury, S & P were taking double payments from me for two policies for the same pet. I emailed them about this issue early April 2026, no response received. How can this slip through their system that there were two policies for the same pet under the same owner and same address? To retrieve those extra payments, my Building Society had to raise a Direct Debit Indemnity.
I HAVE OWNED DOGS FOR OVER 30 YEARS AND THIS IS BY FAR THE WORST PET INSURANCE COMPANY I HAVE DEALT WITH.
13 de maio de 2026
Avaliação não solicitada
Resposta da Scratch & Patch
Hi Paula,
We’re very sorry to read about your experience and this is certainly not how we would want any customer to feel during their time with us, especially during what is already such a difficult and emotional time.
We are taking on board the concerns and comments you have raised and will be investigating these further with the relevant teams internally. Our Customer Care Team will communicate directly with you regarding the matters raised.
In the meantime, please bear with us while we look into everything fully.
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
Very good value and good cover of care…
Very good value and good cover of care and advise.
11 de maio de 2026
Resposta da Scratch & Patch
Hi David,
Welcome to the family!
Thanks so much for taking the time to leave us a review. We’re really pleased to hear you’re happy with the value and cover provided.
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
Only taken out a policy recently
Only taken out a policy recently. Completing the application was very easy. Policy was received a few hrs later.
9 de maio de 2026
Resposta da Scratch & Patch
Hi Mr Forrester,
Welcome to the family! 🐾
Thanks so much for taking the time to leave us a review. It’s great to hear you found the application process nice and easy and that your policy documents came through quickly too.
We know getting everything set up smoothly makes a big difference, so it’s lovely to hear your experience got off to a positive start.
If you ever need anything or have any questions, we’re always here to help via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
Very prompt and informative…
Very prompt and informative communication. Kept me updated and were extremely helpful when I reached out to them. Very happy with monthly cost of insurance and very happy to be a member of Scratch and Patch.
1 de maio de 2026
Avaliação não solicitada
Resposta da Scratch & Patch
Hi Hazel,
Thank you so much for taking the time to leave us a review.
We’re really pleased to hear you found the claims communication prompt, informative and helpful throughout your experience with us. Keeping our customers updated and supported during a claim is incredibly important to us, so it’s lovely to know this came across.
We’ll be sure to pass your lovely comments on to the Claims Team as well.
If you ever need anything further, please don’t hesitate to get in touch with us via https://scratchandpatch.co.uk/contact/
Your Scratch & Patch Family 🐾💙🧡
Very easy to arrange new insurance at a…
Very easy to arrange new insurance at a competitive price.
8 de maio de 2026
Resposta da Scratch & Patch
Hi Sandra,
Welcome to the family!
Thank you for taking the time to leave us a review. We’re so pleased to hear you found arranging your policy quick and straightforward, whilst also offering competitive pricing.
If you ever have any further questions, you can get in touch with us via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
Disgusting organisation
Disgusting organisation, before you sign with these cow boys, read the SMALL PRINT.
Absolute rip offs and even after paying £2400 which they wouldn't cover, they said we couldn't cancel until next month 'take the piss' ⚠️💡
5 de maio de 2026
Avaliação não solicitada
Resposta da Scratch & Patch
Hi Leon,
We’re sorry to read about your experience and appreciate you bringing this to our attention.
We have been able to check for further information using the details provided at the time of your review and, having checked with our teams, the official claim itself remains open due to missing information required to assess the claim in full. However, from looking into the notes from when you contacted us, the information received regarding coverage was explained by our Customer Service Agent at the time.
It appears from our records that the condition you have enquired about is a specific exclusion on the insurance product. The information provided to our Customer Service Team highlighted details of a general excluded condition, which is outlined within the policy documentation provided at both inception and within your renewal documentation.
We would also like to clarify that customers are able to cancel their agreement at any time. We are raising the concerns relating to the information provided around cancellation with our Customer Service Team internally.
We’re sorry that we’ve been unable to meet your expectations on this occasion.
If you would like to discuss this further, please don’t hesitate to get in touch with us via https://scratchandpatch.co.uk/contact/
Warm regards,
Scratch & Patch🐾💙🧡
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