My beloved cat had an infected wound which i noticed late at night and I called the pet care helpline. Got straight through to a vet who asked lots of questions and assessed my cat via video link. Un... See more
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Review summary
Based on reviews, created with AI
What people talk about most
Based on these reviews
Our dog had a lameness that needed further investigation and I can’t argue how easy the process was in claiming the bills back for this. From initial submission of the forms from the vets to money... See more
Company replied
I hesitated in claiming for Zak’s lump removal as it was only a few weeks after changing to Scratch & Patch that it appeared. To be honest if I had known I was going to have a reason to claim I would... See more
Company replied
I have been with Scratch and Patch for 3 years now. Their multiple pets insurance is very good value for money and wouldn't be available anywhere else for 2 bulldogs. Any claims I have made are prompt... See more
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Company details
About Scratch & Patch
Written by the company
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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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Contact info
124 City Road, EC1V 2NX, London, United Kingdom
- 0330 102 6839
- admin@scratchandpatch.co.uk
- scratchandpatch.co.uk
Scratch & Patch Pet Insurance
4.5
Excellent
2K reviews
Replied to 100% of negative reviews
Typically replies within 24 hours
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Ease of the whole thing
April 13, 2026
Reply from Scratch & Patch
Hi Andrew,
Welcome to the family!
We’re pleased to hear you found the whole process easy and straightforward. It’s great to have you on board with us, and we really appreciate you taking a moment to share your experience.
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 🐾💙🧡
Reply from Scratch & Patch
Hi Paula,
Welcome to the family!
We’re really pleased to hear you found everything easy to navigate and the wording clear and precise. Making things simple, straightforward and easy to understand is exactly what we aim for when customers set up their cover with us.
It’s great to have you on board with us, and your review will also help other pet owners feel confident in choosing us 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 straightforward online claim form
Very straightforward online claim form, they kept in touch in regard to the process of the claim and when it was paid they gave me a detailed breakdown of what was covered
April 7, 2026
Unprompted review
Reply from Scratch & Patch
Hi Mrs Hancock,
Thank you for taking the time to leave us such a great review. We’re really pleased to hear that making a claim online felt straightforward and easy, as that’s exactly the kind of experience we want to give our customers during what can often be a difficult time. It’s great to know our claims team kept in touch with you throughout the process, and that the final settlement breakdown gave you a clear understanding of what was covered and how the decision was reached.
Feedback like yours means a lot to us and also helps other pet owners feel confident in choosing us to support them and their pets.
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 🐾💙🧡
I hesitated in claiming for Zak’s lump…
I hesitated in claiming for Zak’s lump removal as it was only a few weeks after changing to Scratch & Patch that it appeared. To be honest if I had known I was going to have a reason to claim I would have stayed with our previous insurer. I changed because Scratch & Patch was far more economical and half expected my claim to be questioned. But that was not the case. A most efficient and straightforward service. Would definitely recommend Scratch & Patch.
March 14, 2026
Unprompted review
Reply from Scratch & Patch
Hi Steve,
Thank you for taking the time to leave us a review. We’re sorry to hear Zak needed treatment for his lump, but we’re really pleased to know that when you did need to claim, the whole process felt straightforward and efficient for you. That’s exactly how it should be, and it’s lovely to hear our claims team were able to give you the support and reassurance you needed along the way.
We hope Zak is recovering well, and it’s great to have you on board with us. Your review will also help other pet owners feel more confident in choosing Scratch & Patch 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 🐾💙🧡
Easy to open a policy
April 13, 2026
Reply from Scratch & Patch
Hi there,
Welcome to the family!
We’re really pleased to hear you found it easy to set up your policy, as making things simple and straightforward is exactly what we aim for.
It’s great to have you on board with us and as part of our ever-growing Scratch & Patch family.
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 🐾💙🧡
Our dog had a lameness that needed…
Our dog had a lameness that needed further investigation and I can’t argue how easy the process was in claiming the bills back for this.
From initial submission of the forms from the vets to money being back in our bank was less than 4 days! They communicate well, quickly and effectively to get info from you where needed and if it’s in line with your policy they pay!
Highly recommend!
April 6, 2026
Unprompted review
Reply from Scratch & Patch
Hi Jodie,
Thank you so much for taking the time to leave us such a lovely review. We’re sorry to hear your dog needed further investigation, but we do hope they’re making a speedy recovery. It’s really great to hear that the whole claims process felt quick and straightforward for you, and that our team were able to keep everything clear, efficient and well communicated throughout.
We know how important it is to make things as smooth and stress-free as possible when something unexpected happens, so it means a lot to know we were able to support you in the way you needed.
Your review also helps other pet owners feel confident in choosing Scratch & Patch to support them and their pets.
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 🐾💙🧡
Lovely and supportive people
Lovely and supportive people, who never failed to help us at a difficult time. Always helped us and we felt safe in their hands.
March 30, 2026
Unprompted review
Reply from Scratch & Patch
Hi Phil,
Thank you so much for taking the time to leave such a kind review.
We’re really pleased to hear that you felt supported during what sounds like a difficult time — that’s exactly what we’re here for, and it means a lot to know you felt safe in our hands when you needed us most.
Your feedback also goes a long way in helping other pet owners feel confident in choosing us to support them and their pets.
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 🐾💙🧡
Quick and easy even on line.
April 8, 2026
Reply from Scratch & Patch
Hi Natalie,
Welcome to the family!
It’s great to have you on board, and thank you for taking the time to leave us such a lovely review. We’re really glad you found everything quick and easy to set up, especially using our online platform — that’s exactly what we aim for.
It means a lot that you’ve shared your experience, as it helps other pet owners feel confident choosing us and becoming part of our ever-growing family.
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 🐾💙🧡
Be careful when insuring your pet with…
Be careful when insuring your pet with this company.
My dog was 12 years old and we thought he was healthy having had regular check with the vets every year.
He suddenly collapsed and we rushed tot he vet only to find he had cancer of the liver that had burst causing a massive internal bleeding and very sadly he had to be put to sleep.
Cost £600 claimed on our insurance to find out that with all the stipulations and because he was over 10 years old we received £19.
Make sure you read the small print as the insurance was next to useless. A waste of money.
April 10, 2026
Unprompted review
Reply from Scratch & Patch
Hi Bryan,
Firstly, we are very sorry to hear about the loss of your beloved pet, and we’re sorry that your recent experience has added further frustration at what is already a difficult time.
Please could we ask you to provide us with more information through the Trustpilot request we have sent to you. We will then be able to locate and investigate your claim, and review your experience further before coming back to you.
If you have any questions or concerns we can help with in the interim, please don’t hesitate to contact us: https://scratchandpatch.co.uk/contact/
Kind Regards
The Scratch & Patch team
** Response Update**
Hi Bryan,
Thank you for your patience while we looked into your specific case.
We understand how frustrating this must feel, particularly when you’ve taken steps to ensure your pet was well cared for. Insurance policies can vary depending on the level of cover chosen, with different allowances and limits applying to certain types of treatment and outcomes — and a pet’s age can also impact how a claim is settled, including the excess and any applicable contributions.
Having reviewed your claim, we can confirm that it has been assessed in line with the terms and conditions of your policy, taking into account the relevant limits, excess and any age-related allowances that apply.
We truly appreciate you taking the time to share your experience. We’re very sorry that our product hasn’t met your expectations on this occasion, and your feedback is important to us as we continue to review and improve what we offer.
If you do need any further clarification around your claim decision, you can always speak to one of our agents via https://scratchandpatch.co.uk/contact/
Warm regards,
Scratch & Patch 🐾💙🧡
Great value
Great value for money, hassle free to sign up and relevant coverage, instead of add-ons that are not really needed.
December 29, 2025
Reply from Scratch & Patch
Hi Marisa,
Thank you for your kind review! It’s great to hear that you found everything hassle free and relevant. Exactly how it should be!
We’re also really pleased the cover fits what you were looking for and and has provided value for money.
If you ever have any further questions, you can get in touch with us via https://scratchandpatch.co.uk/contact/
Your Scratch & Patch Family 💙🧡
Used you before for my current dog…
Used you before for my current dog Manx(Maxi) so happy to use again for my cat Sox
April 7, 2026
Reply from Scratch & Patch
Hi Alan,
Thank you for your review.
It is great to hear that, after some time with Manx on cover, you have also chosen to trust us with Sox 😊.
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 🐾💙🧡
Easy website to use
Easy website to use and application process was simple. Good value price
March 31, 2026
Reply from Scratch & Patch
Hi,
Welcome to the family, and thank you for your review!
It’s great to hear you found the website easy to use, and it is reassuring that the application process was also simple, which is exactly what we aim to deliver.
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 🐾💙🧡
Reply from Scratch & Patch
Hi Patricia,
Welcome to the family!
Thanks so much for your review — really glad to hear getting your new pet insurance set up was nice and easy. That’s exactly how it should feel from the start, and it’s great to have you as part of our ever-growing family.
If you ever have any questions, you can get in touch with us via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
Reply from Scratch & Patch
Hi Paul,
Welcome to the family!
Thank you for your review — we’re really pleased to hear you’re happy with both the service and the price. Keeping things straightforward and fairly priced is really important to 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 🐾💙🧡
Reply from Scratch & Patch
Hi Beanie,
Welcome to the family!
Thank you for your review — it’s great to hear you found everything easy to set up and, just as importantly, easy to understand. We know insurance can sometimes feel a bit confusing, so making things clear and straightforward about what’s covered is something we really focus on.
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 🐾💙🧡
Dog insurance taken out
Dog insurance taken out, the app is easy to navigate, the price was reasonable, as yet not needed to use the insurance but dealing with them so far has been great.
September 26, 2025
Reply from Scratch & Patch
Hi there,
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 app easy to navigate, the price reasonable, and that your experience with us so far has been a positive one. We work hard to keep things simple and fairly priced from the start, so it’s really nice to know that’s come through.
Should you ever need us, our dedicated claims team will be here to support you every step of the way. You can also make use of your Vetcareline service, available 24/7, if you ever want a bit of guidance before deciding on a vet visit.
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 🐾💙🧡
Easy choice selection.
Easy to choose with clear information on line. Plenty of 'read this', before proceding, written in plain language. Hope that in the event of a claim, they are as good.
March 31, 2026
Reply from Scratch & Patch
Hi Mr S C,
Welcome to the family!
Thank you for your thoughtful review — it’s great to hear you found the process easy to follow and the information clear and written in plain language. That’s something we put a lot of care into, so it’s really good to know it’s coming across as intended.
We completely understand your comment around claims, and if you ever need a bit of guidance, you can make use of our Vetcareline service, available 24/7, to help you decide on the next steps before a vet visit.
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 competitive price and app is easy…
Very competitive price and app is easy to navigate.
Documents received immediately.
April 3, 2026
Reply from Scratch & Patch
Hi there,
Welcome to the family!
Thank you so much for taking the time to leave us such a great review. It’s great to hear you found our pricing competitive and the app easy to use — that’s exactly what we aim for when making things as simple and stress-free as possible.
We’re also really pleased your documents came through quickly, as we know how important it is to have everything in place from the start.
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 🐾💙🧡
Caring and understanding company
Scratch and patch are by far the best pet insurance going. Are so caring and understanding towards you when it comes to the death of your fur baby and go beyond to help you
March 26, 2026
Unprompted review
Reply from Scratch & Patch
Hi Charles,
Thank you for taking the time to leave such a kind review. We’re so sorry for your loss, and we truly appreciate your words about the support you received during such a difficult time.
It means a great deal to know we were able to help and be there for you when you needed it most.
If you ever need anything at all, you can get in touch with us via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾💙🧡
Going into my second year with scratch…
Going into my second year with scratch & patch great customer service again!!
April 1, 2026
Reply from Scratch & Patch
Hi there,
It’s great to see you’re heading into your second year with us, and we really appreciate you choosing to stay with Scratch & Patch. It’s lovely to hear you’ve had great customer service again, and I’ll be sure to pass your comments on to the team.
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 🐾💙🧡
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