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
Company replied
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Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
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.
Brilliant Package!
So easy to set up and now have complete peace of mind. My beloved is insured for £1000 more per year than previously at a third of the cost. I'm jubilant!
February 11, 2026
Reply from Scratch & Patch
Hi Avou
Thank you so much for taking the time to leave us such a lovely review — it really does mean a lot. Hearing about your experience helps other pet parents feel confident that they can trust us to look after their furry family members too 💙
It’s fantastic to know you’ve been able to secure even more cover while saving money — that’s exactly how it should feel. We only want the very best when it comes to protecting our family members, especially when the unforeseen can catch us off guard. Having that extra peace of mind without paying over the odds for quality cover is a real win.
We’re so pleased you’ve joined us and it’s great to have you onboard!
If you ever need us at any point, you can get in touch with us via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾
Speedy and smooth claim
We'd only been with Scratch & Patch a few weeks when our spaniel badly injured herself. S&P were great - paid all her treatment quickly and efficiently and were an absolute pleasure to deal with at a stressful time. Would definitely recommend.
January 23, 2026
Unprompted review
Reply from Scratch & Patch
Hi Tamsin,
We’re so sorry to hear your spaniel injured herself — especially so soon after joining us. That must have been incredibly stressful.
It’s lovely to hear that we were able to step in quickly, settle her treatment efficiently and make things that little bit easier for you during such a worrying time. Being there when it matters most is exactly why we do what we do.
Thank you as well for the recommendation — it genuinely means a lot. We hope your girl is well on the mend 💙
If you ever need us, you can get in touch via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾
The claim process was simple throughout…
The claim process was simple throughout and very quickly processed. Scratch & Patch liaised direct with my vet and the claim was settled within a week. Despite a voluntary excess amount being more than anticipated, the whole process was first class. Very pleased to have insured our pet with this company.
February 6, 2026
Unprompted review
Reply from Scratch & Patch
Hi KGB Production
Thanks for sharing your experience with us. Feedback like yours really does help other pet owners feel confident about making the switch, knowing they’ll be looked after when it matters most.
We’re so pleased the claims process felt simple and was settled quickly, and that our team liaising directly with your vet made things easier for you.
Voluntary excess is something customers choose at the start of their policy to help tailor premiums, so we’re really pleased that, even so, the overall process still felt smooth and straightforward.
If you ever need us, you can get in touch via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾
Seamless online claims process
Seamless online claims process, with regular clear communications from submission to result.
January 31, 2026
Unprompted review
Reply from Scratch & Patch
Hi Ben,
Thanks for sharing your experience. It’s brilliant to hear that you found the online claims process seamless and that communication was clear from start to finish.
We know making a claim can sometimes feel complicated and overwhelming, so it’s great to hear we were able to take some of that stress and worry away for you. That’s exactly what we’re here for.
If you ever need us again, you can get in touch via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾
Easy to engage and staff were helpful…
Easy to engage and staff were helpful when called
February 7, 2026
Reply from Scratch & Patch
Hi HA,
Thank you for taking the time to leave us a review — we really appreciate it. It’s great to hear you found us easy to engage with and that our team were helpful when you called.
We’re always looking at ways to improve, so if there’s ever anything you feel we could do differently to make your experience a full 5-star one, we’d genuinely love to hear from you. You can always drop us a message via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾
I had to make a claim after my dog took…
I had to make a claim after my dog took very poorly and we couldn't find out why, she had to be sedated and had a ct scan and blood test and scratch and patch were quick to pay out and it was all straight forward, very good service.
February 16, 2026
Unprompted review
Reply from Scratch & Patch
Hi Annette,
Thank you so much for taking the time to leave such a lovely review. It’s never a great time when we know our furry friends are feeling under the weather, especially when you don’t have clear answers straight away.
We’re really pleased we could make the claims process straightforward for you and settle everything quickly following the sedation, CT scan and blood tests. At such a worrying time, the last thing you need is added stress.
We hope your girl is on her way to a speedy recovery — they really can give us quite the scare! 💙
If you ever need us, you can get in touch via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾
Found through money supermarket
Found through money supermarket
Very easy to sort out
February 15, 2026
Reply from Scratch & Patch
Hi Sonny,
Welcome to the family!
Thank you so much for taking the time to leave us a review — we really do appreciate it. It’s great to have you onboard with us, and we’re so pleased you were able to utilise our prices through MoneySupermarket to get the best deal for your family member. Making it easy and straightforward is exactly how it should feel.
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 🐾
Excellent great price and get a lot…
Excellent great price and get a lot more for your money fircthree dogs brilliant
February 10, 2026
Reply from Scratch & Patch
Hi Jane,
Thank you for taking the time to leave us a review — we really appreciate it.
It’s fantastic to hear you’re pleased with the price and the level of cover you’re getting for your three dogs — that’s exactly what we aim for, great value without compromising on what matters most. Brilliant to have you all with us!
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 🐾
Reply from Scratch & Patch
Hi there,
Thank you for taking the time to leave us a review — we really appreciate it.
We’re so pleased to hear you found our website easy to navigate and the information clear. We know how important it is to make things simple and straightforward, especially when choosing cover, so it’s great to know that came across.
If you ever need anything further, you can get in touch with us via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾
Lovely helpful advice when i called
February 12, 2026
Reply from Scratch & Patch
Hi Susan,
Thank you for taking the time to leave us such a positive review about your experience with our customer service team.
It’s great to hear they were helpful and informative when dealing with your enquiries. I’ll be sure to pass your lovely comments on to them, as they really do appreciate hearing when they’ve helped make someone’s day that little bit less stressful, especially when it comes to making the right decision.
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 Ian,
Thanks for leaving us a review.
Really pleased to hear you found the terms and details simple and easy to understand — that’s important when you’re setting up cover and just want things to be clear from the start.
If you ever have any questions about your policy, you can get in touch with us via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾
Very smooth claim
Very smooth claim, dealt with very quickly, no issues would definitely recommend
January 16, 2026
Unprompted review
Reply from Scratch & Patch
Hi Ann,
Thanks for taking the time to leave us a review.
I’m really pleased to hear your claim was dealt with quickly and that everything went smoothly. That’s always reassuring to hear, especially when you just want things sorted without any back and forth.
And thank you for saying you’d recommend us — that genuinely makes a difference.
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 🐾
Quick to deal with claims
Had a few claims in recents months regarding my dog , sadly he passed over to the rainbow bridge last month , all claims very dealt with quickly and on last claim they sent their condolences ,which was a lovely touch . Would recommend this company .
January 19, 2026
Unprompted review
Reply from Scratch & Patch
Hi Kathleen,
Thank you for taking the time to leave such a thoughtful review, especially at what we know must be a very difficult time. We’re so very sorry for the loss of your boy. Losing a beloved pet is never easy, and our hearts really do go out to you.
We’re pleased we were able to handle your claims quickly and, in some small way, take a little of the stress away during those difficult months. We’re all pet lovers here ourselves, so we truly understand how heartbreaking it is to say goodbye — if our message brought even a small bit of comfort, then we’re really glad.
It really does mean a lot to know you’d recommend us to look after other pets based on your own experience with us.
If you ever need to speak to us about anything at all, you can get in touch via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾
No quibble about payment
No quibble about payment. Kept informed all through claim process. Easy online submission
February 3, 2026
Unprompted review
Reply from Scratch & Patch
Hi Melinda,
Thanks for taking the time to leave a great review.
We’re really pleased to hear there were no quibbles with payment and that you felt kept informed throughout — that’s exactly how we believe a claim should be handled. It’s also great to know the online submission was easy to use, we like keeping things simple and user friendly.
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 🐾
Put in wrong gender accidentally
Put in wrong gender accidentally, and they charged £29 to change it. Daylight robbery.
February 10, 2026
Reply from Scratch & Patch
Hi Chris,
Thank you for taking the time to leave a review. I’m really sorry to hear that we haven’t met your expectations on this occasion.
When taking out a policy online, it’s the customer’s responsibility to ensure that all information entered is accurate, as the quote is calculated using those details and reflects the true insurable risk.
It’s important to clarify that we don’t charge an administration fee for making changes to a policy. The £29 you’ve mentioned isn’t a fee, but the difference in premium that would have applied from the start had the correct gender been selected when generating the quote via MoneySuperMarket. In other words, it reflects what the original premium would have been based on the correct information at the time of purchase.
We hope this has helped to clarify the reason for the additional cost, but if you would like to speak to us directly, you can always get in contact via https://scratchandpatch.co.uk/contact/
and we’ll be happy to assist.
Warm regards,
Your Scratch & Patch Family 🐾
Everything was supersmooth in setting…
Everything was supersmooth in setting up insurances for my two collies.
February 3, 2026
Reply from Scratch & Patch
Hi Alvina,
Welcome to the family!
Thanks so much for taking the time to leave a review — we really appreciate it. I’m so pleased everything went smoothly setting up cover for your two collies. Choosing insurance can sometimes feel a bit pressured when you’re trying to work out what level of cover is right for you, so it’s lovely to hear the process felt straightforward.
We’re really glad to have you all on board.
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 site to navigate
Easy site to navigate, simple and straightforward. Phoning through for some extra advice, again quick and efficient. Very pleased. I'm an older lady and this was very refreshing - no robots, ibots, just normal humans - Great 👍
February 10, 2026
Reply from Scratch & Patch
Hi Karen,
Welcome to the family!
Thank you so much for your lovely review — it genuinely means a lot. We’re so pleased you found the website easy to navigate and that when you called through, the team were able to give you the advice you needed quickly and clearly.
And we especially love your comment about “no robots, just normal humans” — that’s exactly how it should feel. Being able to speak to a real person who takes the time to help really does make all the difference. I’ll be sure to pass on your positive comments to the team, they’ll absolutely love hearing that they made the experience that extra bit special for you.
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 Peter,
Thank you for your 5⭐ review.
We’re really pleased to hear you found everything easy to deal with, simple to set up, and good value — that’s exactly the experience we aim to deliver.
Thanks again for choosing us.
If you have any questions at all, you can get in touch with us via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾
Excellent company
After our Frenchie ‘Dave’ was diagnosed with acute glaucoma he underwent treatments that failed which resulted in his eyes having to be removed. As devastating as this was for all of us it was certainly made easier with a seamless insurance claim dealt with quickly without any quibble. Can’t fault this company and would recommend 5*
January 14, 2026
Unprompted review
Reply from Scratch & Patch
Thank you so much for taking the time to share this — and we’re really sorry to hear what Dave (and you) have been through. That will have been incredibly upsetting, and we can only imagine how hard a time that was for you all.
We’re really glad we could help make things a little easier at such a difficult time by handling the claim quickly and without any fuss. Knowing we’ve supported you when it mattered most really means a great deal to us.
Thank you for your kind words and recommendation, and please give Dave a gentle cuddle from us 🤗
If you ever have any questions at all, please don’t hesitate to get in touch via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾
Reply from Scratch & Patch
Thank you for your 5⭐ review!
We’re really pleased to hear you found the information clearly presented and the confirmation prompt.
Making things simple, transparent, and quick is exactly what we aim for.
If you have any questions at all, you can get in touch with us via https://scratchandpatch.co.uk/contact/
Warm regards,
Your Scratch & Patch Family 🐾
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