Scratch&Patch Reviews

The overall sentiment toward Scratch & Patch’s pet insurance service is strongly negative, as highlighted by repeated frustrations expressed across most customer reviews. Reviewers consistently note issues with claim denials, low reimbursement amounts, and unexpected policy restrictions. Instances where customers faced high out-of-pocket costs during difficult times, such as a pet's passing or emergency treatment, are recounted frequently. Although there is one positive experience citing efficient processing and payment, this is a clear outlier amid significant criticism.

Common feedback includes dissatisfaction with internal policy “limits,” denied claims, and poor clarity on coverage—particularly around euthanasia and emergency care. Complaints about cancellation fees and customer service interactions were also noted. Customers emphasize the importance of reading policy details thoroughly, as many discovered significant exclusions or caps only when making a claim. Most reviewers experienced these issues when seeking support for dogs in the UK.

Overall, Scratch & Patch is regarded as offering pet insurance that often fails to meet expectations in the UK market, especially during critical moments. The majority of reviewers express regret and caution others about insufficient coverage and claim experiences. While one customer reports a seamless process, the company’s overall reputation is impaired by recurring complaints regarding limited payouts, fine print details, and unsatisfactory service interactions.

Scratch & Patch is a provider of pet insurance policies, focusing on coverage for veterinary care and related expenses for dogs and other pets. The company operates within the insurance industry and offers its services primarily to pet owners in the UK through direct policy purchases.

The company issues insurance policies that specify coverage limits and exclusions, including details on reimbursements for veterinary treatments, emergencies, euthanasia, and other incidents. Claims are submitted online, processed internally, and subject to outlined policy terms, such as inner limits, excess charges, and cancellation rules.