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Scratch & Patch Reviews 1,920

TrustScore 4.5 out of 5

4.5

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Review summary

Created with AI, based on recent reviews

Reviewers overwhelmingly had a great experience with this company. Customers frequently highlight the competitive pricing, often finding policies significantly more economical than alternatives while still offering comprehensive coverage. The service is consistently praised for being efficient, straightforward, and compassionate, especially during difficult times. Many people also commend the user-friendly website, noting its ease of navigation and the simplicity of setting up a policy. However, some customers also noted issues with the claims process, with a minority expressing dissatisfaction over claims being rejected or only partially paid out due to various stipulations, such as age limits or caps on external fees. A few other people also felt that communication regarding claim decisions was sometimes unhelpful or expressed concerns about the company's handling of claims.

What people talk about most

Price

Users describe positive interactions with price, finding premiums affordable and offering peace of mind. Many... See more

Claim

Customers had ambiguous experiences with claim. Many reviewers report a quick, straightforward, and efficient... See more

Service

Reviewers highlight positive aspects of service, with many customers expressing satisfaction with the... See more

User experience

Clients share positive opinions on user experience, consistently highlighting the ease of use and... See more

Website

Consumers generally express satisfaction with the website, finding it easy to use and navigate. Many... See more

Reviews shaping this summary

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

Rated 5 out of 5 stars

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

Company replied


Company details

  1. Pet Insurance Company
  2. Insurance Company

About Scratch & Patch

Written by the company

Scratch & Patch

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. 😺🐶

Our plans 💎

We offer a range of policy options, with up to £8k of Lifetime vet fee cover.

Fuss free claims 🩺

Making a claim is quick and easy. You can claim online or by phone. We can even deal directly with your vet.

Free unlimited 24/7 vet careline 📞

Not every pet health concern needs an immediate trip to the vet — and that’s okay. All customers get access to our unlimited 24/7 vet careline, so support from our UK-registered vet team is there whenever you need it.

Multi-pet discount 💸

One team. Epic savings! Unite all your pet heroes under one policy and unlock a mighty 20% discount.

Protect the paws you love 🩷

Choose a pet insurance partner that’s built for real life, real pets, and real people.

Start your quote today

Contact info

Scratch & Patch Pet Insurance

Protect the paws you love 🩷

4.5

Excellent

TrustScore 4.5 out of 5

2K reviews

5-star
4-star
3-star
2-star
1-star

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.

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Rated 4 out of 5 stars

Quick and easy and no issues

Quick and easy and no issues

January 28, 2026
Scratch & Patch logo

Reply from Scratch & Patch

Hi John,

Welcome to the family, its great to have you onboard with us.

Thank you for taking the time to leave a review. We’re pleased to hear you found the process quick and easy with no issues.

If you ever need our support in the future, we look forward to providing the same 5★ level of service that so many of our customers have shared in their reviews.

If you 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 🐾

Rated 5 out of 5 stars

Just took my first policy out with Scratch & Pach

Just took my first policy out with Scratch & Patch after reading very good reviews about this company, the prices and staff could not be any more helpful they explained everything so easy, and took time with you, and l felt l was not rushed in any way, l am looking forward to with this company after my last one

January 27, 2026
Scratch & Patch logo

Reply from Scratch & Patch

Hi There,

Thank you so much for taking the time to leave such a lovely review. We’re really pleased to hear you felt supported and never rushed, and that everything was explained clearly while setting up your policy — that’s exactly the experience we aim to give.

It means a lot that you chose to come to us after your previous insurer, and we’re really glad to have you with us. We look forward to being there for you and your furry friend whenever you need us.

If you 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 🐾

Rated 5 out of 5 stars

Insurance for my two pussie 🐈 🐈

Quoting was very easy, got insurance for both of my cats which was easy to do. So far so good very happy with the quote compared to others I have received. I gave 5 stars because of the price and how easy the web site was to purchase the insurance.

January 27, 2026
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Reply from Scratch & Patch

Hi DC,

Thanks so much for taking the time to leave such a detailed review. We’re really pleased to hear you found the quoting process straightforward and that getting cover in place for both of your cats was easy to do. It’s also great to know our pricing stacked up well against other quotes you’d received.

We’re glad we’ve been able to give you a 5★ experience so far, and you can be confident we’ll continue to offer that same level of service should you ever need us in the future.

If you 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 🐾

Rated 5 out of 5 stars

Easy to use website

Easy to use website with comprehensive cover for our cat at a good price

November 7, 2025
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Reply from Scratch & Patch

Hi Derek,

Thanks so much for taking the time to leave a review. We’re really glad to hear you found the website easy to use and that the cover suited your needs at a good price for your furry friend.

If you ever need anything, please don’t hesitate to get in touch via https://scratchandpatch.co.uk/contact/

Warm regards,
Your Scratch & Patch Family 🐾

Rated 5 out of 5 stars

Dog insurance

Great customer service and great value for money

January 19, 2026
Unprompted review
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Reply from Scratch & Patch

Hi Karen,

Thank you for taking the time to leave a lovely review. We’re really pleased to hear you found our customer service helpful and our cover good value for your needs.

We genuinely enjoy hearing how our teams perform, and feedback like yours really reflects our values as a company — making sure our customers receive a great service from the start of their policy through to any time they need our support. I’ll be sure to pass your positive feedback on to the team.

If you ever need anything, please don’t hesitate to get in touch via https://scratchandpatch.co.uk/contact/

Warm regards,
Your Scratch & Patch Family 🐾

Rated 5 out of 5 stars

Claim

Everything was ok.

January 1, 2026
Unprompted review
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Reply from Scratch & Patch

Hi Monica,

Thank you for taking the time to leave us a 5* review. We’re glad to hear everything went as well as expected.

If we can help with anything further at any point, please don’t hesitate to get in touch via https://scratchandpatch.co.uk/contact/

Warm regards,
Your Scratch & Patch Family 🐾

Rated 5 out of 5 stars

excellent all round service

January 15, 2026
Unprompted review
Scratch & Patch logo

Reply from Scratch & Patch

Hi Michael,

Thank you for taking the time to leave us a review — we’re really pleased to hear you had such a positive experience with our service.

If you ever need us, you can get in touch via https://scratchandpatch.co.uk/contact/

Warm regards,
Your Scratch & Patch Family 🐾

Rated 5 out of 5 stars

Quick turnaround on the claim and well…

Quick turnaround on the claim and well communicated throughout.

January 10, 2026
Unprompted review
Scratch & Patch logo

Reply from Scratch & Patch

Hi Joe,

Thanks for taking the time to leave a review about your recent claims experience. While we’re sorry to hear you needed to make a claim, we’re really pleased to know everything was handled quickly and clearly, and we wish your furry friend a speedy recovery.

It’s great to know we were able to be there for you when you needed us most.

Warm regards,
Your Scratch & Patch Family 🐾

Rated 5 out of 5 stars
Scratch & Patch logo

Reply from Scratch & Patch

Hi Tracey,

Welcome onboard, it’s great to have you with us and part of our ever growing Scratch & Patch Family 🐾

We’re really pleased to hear you found the process easy and user-friendly, and that you were able to get the right cover in place for your furry friend at a great price that suits your needs.

If you ever need us, you can get in touch via https://scratchandpatch.co.uk/contact/

Warm regards,
Your Scratch & Patch Family 🐾

Rated 5 out of 5 stars

Easy to use

Easy to use. Great prices

January 19, 2026
Scratch & Patch logo

Reply from Scratch & Patch

Hi Diane,

Welcome to the family!

Thanks for coming on board with us — it’s great to have you with us. We’re really pleased to hear you found everything easy to use and that our cover options offered good value, helping you find the right cover for you and your furry friend.

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 🐾

Rated 5 out of 5 stars

Very helpful,explained everything all…

Very helpful,explained everything all the way through the process

January 22, 2026
Scratch & Patch logo

Reply from Scratch & Patch

Hi Rosemary,

Thanks for taking the time to leave a review — we really appreciate it. It’s great to hear that everything was explained clearly and that you felt supported throughout the process.

If you ever need anything further, you can always reach us via
https://scratchandpatch.co.uk/contact/

Warm regards,
Your Scratch & Patch Family 🐾

Rated 5 out of 5 stars

Thank you Scratch & Patch

I have to say that every single person I spoke to have been amazing especially Simon who has been so kind I had to make a claim there was some technicalities but Scratch & Patch honoured my claim I am overwhelmed by there kindness I will be highly recommending them it’s hard to find now days an honest honourable company thank you

January 22, 2026
Unprompted review
Scratch & Patch logo

Reply from Scratch & Patch

Hi Michele,

Thank you so much for taking the time to leave such a thoughtful review — it really means a great deal to us.

We’re pleased that the team, and Simon in particular, were able to support you and work through the technicalities to reach a fair outcome. Some situations aren’t always straightforward, so your patience and understanding throughout were genuinely appreciated.

Your kind words and recommendation mean a lot to us, and feedback like this really does reinforce the values we strive to uphold.

I’ll be sure to pass on your kind words to the team. We always aim to go above and beyond for our customers, because we fully understand the worry and stress that can come with our furry friends — especially when situations arise unexpectedly and when support is needed most.

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 🐾

Rated 4 out of 5 stars

Very helpful and reasonable price you…

Very helpful and reasonable price you covered every thing I need. Thank you Ray Harms

January 18, 2026
Scratch & Patch logo

Reply from Scratch & Patch

Hi Ray,

Welcome to the family!

Thank you for taking the time to leave a review. We’re really pleased to hear you found the cover helpful and good value, and that it’s meeting everything you need for your pet.

You can be sure that if you ever do need our services, we’ll give you the full 5★ experience for you and your furry friend.

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 🐾

Rated 5 out of 5 stars

Prompt assessment and payment

Prompt assessment and payment, no arguing over small points and they paid more than I had claimed for after they reviewed our dogs history. I didn't expect to feel so positive after a pet insurance claim. So much that I've come on here to provide a review.

January 5, 2026
Unprompted review
Scratch & Patch logo

Reply from Scratch & Patch

Hi Gareth,

Thank you for taking the time to leave such a positive review — it really means a lot to us.

We review every claim on its own merits to make sure anything related to the incident is assessed fairly in line with the policy, so it’s great to hear this was clear in your experience.

We know pet insurance claims can be stressful, and there’s often uncertainty about how the claims process will feel when you actually need it. That’s why, as pet lovers ourselves, we put our heart and soul into making sure both our customers and their furry friends are in safe, capable hands when it matters most.

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 🐾

Rated 5 out of 5 stars

Quick and easy claims procedure

Quick and easy claims procedure. Prompt payment

January 9, 2026
Unprompted review
Scratch & Patch logo

Reply from Scratch & Patch

Hi Warren,

Thank you for taking the time to leave a review. We’re really pleased to hear you found the claims process quick and easy, and that payment was made promptly.

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 🐾

Rated 5 out of 5 stars

Excellent service

Excellent service. Claim was super smooth and fast

January 10, 2026
Unprompted review
Scratch & Patch logo

Reply from Scratch & Patch

Hi Mohit,

Thank you for taking the time to leave a review. We’re really pleased to hear your claim was handled smoothly and quickly, we hope your furry friend is on their way to making a speedy recovery.

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 🐾

Rated 5 out of 5 stars

A really pleasant company to deal with

A really pleasant company to deal with. Efficient and caring. Wouldn’t go with any other insurance company now for our dogs.

January 19, 2026
Unprompted review
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Reply from Scratch & Patch

Hi Jacqs,

Thank you for your kind words — it really means a lot to the team. We’re so pleased you found us efficient and caring, and we hope your review helps other pet owners feel confident putting their trust in Scratch & Patch to look after their furry family members 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 🐾

Rated 5 out of 5 stars

Great customer service

Great customer service. Easy process to follow. Fast payment

January 15, 2026
Scratch & Patch logo

Reply from Scratch & Patch

Hi Anna,

Thank you so much for taking the time to leave us a review.

It’s great to hear that our trusted customer service team were able to support you when reviewing your cover, making sure you had the right protection in place for you and your furry friend. Its great to know that everything was easy to follow and handled quickly for you.

If you ever need us, we’re always here to help. You can get in touch with us anytime via https://scratchandpatch.co.uk/contact/

Warm regards,
Your Scratch & Patch Family 🐾

Rated 5 out of 5 stars

Such good value and so easy to insure 2…

Such good value and so easy to insure 2 dogs

January 18, 2026
Scratch & Patch logo

Reply from Scratch & Patch

Hi There,

Welcome to the family!

Thank you for taking the time to leave us a 5* review — we’re really pleased to hear you found it easy to insure both of your dogs and that the cover felt like good value.

If you ever need us, we’re always here to help. You can get in touch with us anytime via https://scratchandpatch.co.uk/contact/

Warm regards,
Your Scratch & Patch Family 🐾

Rated 4 out of 5 stars

Taking out the insurance was straight…

Taking out the insurance was straight forward beyond that at present I can't comment

January 14, 2026
Scratch & Patch logo

Reply from Scratch & Patch

Hi Pauline,

Welcome to the family!

Thank you so much for taking the time to leave us a review — we’re really glad to hear that taking out your policy was straightforward.

If you ever need to make a claim or reach out to us in the future, we’ll be right here and will do everything we can to deliver the 5★ service we always aim for. Hopefully, when that time comes, we’ll be able to earn that extra star and show you exactly how we put you and your furry friend at the heart of everything we do when you need it the most. ⭐🙂

If you ever have any questions in the meantime, you can get in touch with us via https://scratchandpatch.co.uk/contact/

Warm regards,
Your Scratch & Patch Family 🐾

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