Scratch & Patch reviews | Fairer Finance

Based in London, Scratch & Patch offers dog and cat insurance. Scratch & Patch is a trading name of Only Pets Cover Limited. Established in 2016, Only Pets Cover Limited is a representative of Direct Group Limited. Scratch & Patch's policies are underwritten by HDI Global Speciality.

Our product ratings for Scratch & Patch

Our product ratings are designed to help you choose a quality product. We rate policies on the key features that are most important for the majority of customers.

Pet insurance

18 products reviewed

Cat insurance

9 products reviewed

Lifetime £8,000
Lifetime £10,000
Lifetime £5,000
Lifetime £4,000
Maximum Benefit £5,000
Accident Only £2,250
Maximum Benefit £4,000
Time Limited £3,000
Lifetime £3,000

Scratch & Patch

Lifetime £8,000

Feature	Value
Medical excess	£125.00
Type of cover	Lifetime, annual
Medical cover limit	£8,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£8,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Scratch & Patch

Lifetime £10,000

Feature	Value
Medical excess	£125.00
Type of cover	Lifetime, annual
Medical cover limit	£10,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£10,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Scratch & Patch

Lifetime £5,000

Feature	Value
Medical excess	£125.00
Type of cover	Lifetime, annual
Medical cover limit	£5,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£5,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Scratch & Patch

Lifetime £4,000

Feature	Value
Medical excess	£125.00
Type of cover	Lifetime, annual
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£4,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Scratch & Patch

Maximum Benefit £5,000

Feature	Value
Medical excess	£125.00
Type of cover	Maximum benefit, condition
Medical cover limit	£5,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	N/A
Lifetime policy limit	N/A
Lifetime condition limit	£5,000.00

Scratch & Patch

Accident Only £2,250

Feature	Value
Medical excess	£125.00
Type of cover	Accident-only
Medical cover limit	£2,250.00
If renewed, are existing conditions covered?	No
Annual policy limit	N/A
Annual condition limit	N/A
Lifetime policy limit	N/A
Lifetime condition limit	£2,250.00

Scratch & Patch

Maximum Benefit £4,000

Feature	Value
Medical excess	£125.00
Type of cover	Maximum benefit, condition
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	N/A
Lifetime policy limit	N/A
Lifetime condition limit	£4,000.00

Scratch & Patch

Time Limited £3,000

Feature	Value
Medical excess	£125.00
Type of cover	Time-limited
Medical cover limit	£3,000.00
If renewed, are existing conditions covered?	No
Annual policy limit	N/A
Annual condition limit	N/A
Lifetime policy limit	N/A
Lifetime condition limit	£3,000.00

Scratch & Patch

Lifetime £3,000

Feature	Value
Medical excess	£125.00
Type of cover	Lifetime, annual
Medical cover limit	£3,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£3,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Dog insurance

9 products reviewed

Lifetime £10,000
Lifetime £8,000
Lifetime £4,000
Lifetime £5,000
Time Limited £3,000
Accident Only £2,250
Lifetime £3,000
Maximum Benefit £5,000
Maximum Benefit £4,000

Scratch & Patch

Lifetime £10,000

Feature	Value
Medical excess	£125.00
Type of cover	Lifetime, annual
Medical cover limit	£10,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£10,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Scratch & Patch

Lifetime £8,000

Feature	Value
Medical excess	£125.00
Type of cover	Lifetime, annual
Medical cover limit	£8,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£8,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Scratch & Patch

Lifetime £4,000

Feature	Value
Medical excess	£125.00
Type of cover	Lifetime, annual
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£4,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Scratch & Patch

Lifetime £5,000

Feature	Value
Medical excess	£125.00
Type of cover	Lifetime, annual
Medical cover limit	£5,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£5,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Scratch & Patch

Time Limited £3,000

Feature	Value
Medical excess	£125.00
Type of cover	Time-limited
Medical cover limit	£3,000.00
If renewed, are existing conditions covered?	No
Annual policy limit	N/A
Annual condition limit	N/A
Lifetime policy limit	N/A
Lifetime condition limit	£3,000.00

Scratch & Patch

Accident Only £2,250

Feature	Value
Medical excess	£125.00
Type of cover	Accident-only
Medical cover limit	£2,250.00
If renewed, are existing conditions covered?	No
Annual policy limit	N/A
Annual condition limit	N/A
Lifetime policy limit	N/A
Lifetime condition limit	£2,250.00

Scratch & Patch

Lifetime £3,000

Feature	Value
Medical excess	£125.00
Type of cover	Lifetime, annual
Medical cover limit	£3,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	£3,000.00
Annual condition limit	N/A
Lifetime policy limit	Unlimited
Lifetime condition limit	N/A

Scratch & Patch

Maximum Benefit £5,000

Feature	Value
Medical excess	£125.00
Type of cover	Maximum benefit, condition
Medical cover limit	£5,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	N/A
Lifetime policy limit	N/A
Lifetime condition limit	£5,000.00

Scratch & Patch

Maximum Benefit £4,000

Feature	Value
Medical excess	£125.00
Type of cover	Maximum benefit, condition
Medical cover limit	£4,000.00
If renewed, are existing conditions covered?	Yes
Annual policy limit	N/A
Annual condition limit	N/A
Lifetime policy limit	N/A
Lifetime condition limit	£4,000.00