How Good Is Itch Pet Insurance? Review 2025
Our expert's opinion on Itch
Itch positions itself among the leading digital-first pet insurance providers in the UK, offering a flexible Lifetime policy for cats and dogs, backed by Pinnacle Insurance plc (regulated by PRA and FCA). Notable for its fully online policy management and rapid digital claims process (via the Itch Insure Hub), Itch delivers a modern alternative to traditional players, generally at competitive price points. Unlike many rivals, Itch doesn't segment into strict formula tiers; each policyholder receives a tailored cover with specific annual limits and excess (commonly £100 fixed or 20% co-pay, scaling with age). Annual benefit caps are set individually, so careful review of the certificate is crucial. Preventative care is not directly reimbursed but telemedicine—veterinary advice 24/7 via phone/video—comes free without generating a claim. Itch particularly appeals to owners of young to middle-aged pets seeking complete, clear lifetime coverage, digital simplicity, and veterinary guidance, rather than budget policies with basic accident protection or highly bespoke breed exclusions.
Pinnacle’s robust market presence and regulatory backing ensure financial reliability. Itch holds a 4.0/5 Trustpilot score from over 10,000 reviews, praised for excellent customer service and claim responsiveness; most claims are processed digitally within market-standard timescales. Although protection is broad, pre-existing conditions and preventive treatments remain excluded, aligning with industry norms. Itch's approach is especially well-suited for digitally savvy pet owners valuing seamless online management, fast support, and clear communications.
- ✅Fully digital policy management and claims via Itch Insure Hub
- ✅Comprehensive lifetime cover with tailored annual limits
- ✅24/7 free unlimited tele-vet service included
- ✅Covers treatments abroad for up to 90 days/year
- ✅Responsibility cover for dog owners included
- ✅Support for dental, complementary, and travel-related treatments
- ✅Highly responsive customer service (Trustpilot 4.0 from 10,000+ reviews)
- ❌Annual benefit limits and excess are contract-specific; close review required
- ❌Preventive care and vaccines not reimbursed
- ❌Strict exclusions on pre-existing and early-claim conditions
- ❌Franchise often higher for older animals or certain breeds
- ❌No formula-based prevention budget dedicated in cover
- ✅Fully digital policy management and claims via Itch Insure Hub
- ✅Comprehensive lifetime cover with tailored annual limits
- ✅24/7 free unlimited tele-vet service included
- ✅Covers treatments abroad for up to 90 days/year
- ✅Responsibility cover for dog owners included
- ✅Support for dental, complementary, and travel-related treatments
- ✅Highly responsive customer service (Trustpilot 4.0 from 10,000+ reviews)
Our expert's opinion on Itch
ScoreItch positions itself among the leading digital-first pet insurance providers in the UK, offering a flexible Lifetime policy for cats and dogs, backed by Pinnacle Insurance plc (regulated by PRA and FCA). Notable for its fully online policy management and rapid digital claims process (via the Itch Insure Hub), Itch delivers a modern alternative to traditional players, generally at competitive price points. Unlike many rivals, Itch doesn't segment into strict formula tiers; each policyholder receives a tailored cover with specific annual limits and excess (commonly £100 fixed or 20% co-pay, scaling with age). Annual benefit caps are set individually, so careful review of the certificate is crucial. Preventative care is not directly reimbursed but telemedicine—veterinary advice 24/7 via phone/video—comes free without generating a claim. Itch particularly appeals to owners of young to middle-aged pets seeking complete, clear lifetime coverage, digital simplicity, and veterinary guidance, rather than budget policies with basic accident protection or highly bespoke breed exclusions.
Pinnacle’s robust market presence and regulatory backing ensure financial reliability. Itch holds a 4.0/5 Trustpilot score from over 10,000 reviews, praised for excellent customer service and claim responsiveness; most claims are processed digitally within market-standard timescales. Although protection is broad, pre-existing conditions and preventive treatments remain excluded, aligning with industry norms. Itch's approach is especially well-suited for digitally savvy pet owners valuing seamless online management, fast support, and clear communications.
- ✅Fully digital policy management and claims via Itch Insure Hub
- ✅Comprehensive lifetime cover with tailored annual limits
- ✅24/7 free unlimited tele-vet service included
- ✅Covers treatments abroad for up to 90 days/year
- ✅Responsibility cover for dog owners included
- ✅Support for dental, complementary, and travel-related treatments
- ✅Highly responsive customer service (Trustpilot 4.0 from 10,000+ reviews)
- ❌Annual benefit limits and excess are contract-specific; close review required
- ❌Preventive care and vaccines not reimbursed
- ❌Strict exclusions on pre-existing and early-claim conditions
- ❌Franchise often higher for older animals or certain breeds
- ❌No formula-based prevention budget dedicated in cover
- ✅Fully digital policy management and claims via Itch Insure Hub
- ✅Comprehensive lifetime cover with tailored annual limits
- ✅24/7 free unlimited tele-vet service included
- ✅Covers treatments abroad for up to 90 days/year
- ✅Responsibility cover for dog owners included
- ✅Support for dental, complementary, and travel-related treatments
- ✅Highly responsive customer service (Trustpilot 4.0 from 10,000+ reviews)
- Itch Guarantees
- Itch exclusions
- Itch Fees
- Estimated Monthly Premiums for Itch Insurance (Lifetime, UK, 2024/2025)
- Itch Support
- Customer feedback on Itch
- How can I contact Itch?
- FAQ
Why trust HelloSafe?
At HelloSafe, our pet insurance experts review the policy terms and pricing of insurance contracts on the market every year in order to provide you with reliable, unbiased analysis. Thanks to this commitment, hundreds of thousands of people across the UK trust us each month to support them with their most important financial decisions.
Itch Guarantees
Itch offers a single Lifetime cover, targeting owners seeking comprehensive lifelong vet fee protection for cats and dogs, with extra services for peace of mind. Annual limits, percentage of reimbursement, and excess vary by contract and are tailored per animal, but expect a typical fixed excess from £100 (and/or a % excess, increasing with age), plus customisable ceilings.
Standout benefits include broad inclusion of chronic conditions, dental (if annual check-ups are respected), alternative therapies, overseas PETS cover, and 24/7 tele-vet access at no extra cost. Notable gaps are the lack of preventative care reimbursement (vaccines, antiparasitics, routine neutering), variable excess and limits only confirmed on the certificate, and exclusions for pre-existing (or soon after subscription) conditions.
Itch’s fully digital management, absence of prescription limits per year, and lifetime guarantee after enrolment (if within age eligibility) reinforce a strong value proposition, especially for those wanting flexibility and broad medical protection.
| Guarantee Name | Itch Lifetime Cover (unique formula) |
|---|---|
| Positioning of the product | Lifetime, high-coverage, contract individualised per pet |
| Type of coverage | Illness, accident, chronic, dental - Lifetime only |
| Covered animals | Cats and dogs |
| Reimbursement rate (%) | NC—varies by contract, typically up to 100% minus excess |
| Annual claim limit for vet fees | NC—set per contract, varies by coverage option |
| Excess (fixed/per-claim or annual) | From £100 / claim or %; specifics by age and contract |
| Minimum enrolment age | 8 weeks (cats & dogs) |
| Maximum enrolment age | Cats: up to 10y / Dogs: up to 8y (some breeds to 5y) |
| Health questionnaire prior to acceptance | NC—likely depending on individual case |
| Waiting period for illness | 14 days |
| Waiting period for accident | 3 days |
| Lifetime cover once enrolled | ✅ if joined before age max, subject to contract |
| Standard, emergency, and specialist vet consultations | ✅ (all subject to annual contract limit and exclusions) |
| Medications (prescribed) | ✅ |
| Hospitalisation | ✅ |
| Ambulance fees | NC |
| Surgery, anaesthesia | ✅ |
| Scans, MRI, ultrasounds | ✅ |
| Laboratory analyses | ✅ |
| Radiotherapy | ✅ |
| Dental (disease/accident, with conditions) | ✅ If check-ups and prevention up-to-date |
| Descaling (routine) | ❌ |
| Preventive lump sum (vaccines, antiparasitics, etc.) | ❌ |
| Complementary therapies (osteo, acupuncture, etc.) | ✅ On vet prescription |
| Special food/recommended diet | ✅ 25% reimbursed up to 6m/condition, not for obesity |
| Foreign travel cover / countries | ✅ 90 days/year (PETS travel area only) |
| Death / cremation | Death: value capped; Cremation: up to £200 |
| Euthanasia | ✅ On vet advice |
| Theft/loss (inc. search fees) | ✅ Death, loss & search (reward/ads), under conditions |
| Kennel/cattery/care fees if owner hospitalised | ✅ (from >48h, up to contract limit) |
Good to know
Itch uniquely offers unlimited 24/7 access to video/phone vet consultations, excluded from insurance claims and available free to all policyholders. There is no cover for routine procedures (vaccines, prevention, neutering/spaying, microchipping), and key limits (annual cap, excess, percentage cover) are not standardised but defined per animal/contract—always check your certificate for your specific cover. Dental is only reimbursed if yearly cleaning and vet guidance are strictly respected; pre-existing and certain breed-related conditions are always excluded, and paying for preventative care remains at the owner’s expense.
Compare with several pet insurers to ensure the lowest price and policy that matches all of your pet’s needs.
👉 Compare pet insurance plans for freeStart saving on vet billsItch exclusions
Itch Lifetime Insurance presents a robust set of general and specific exclusions, most notably the refusal of cover for pre-existing conditions (including any symptoms present prior to start), as well as exclusions for ailments or injuries arising during initial waiting periods (14 days for illness, 3 days for accident without prior coverage continuity).
Claims are also excluded if the pet is not properly microchipped (especially for dogs)—this affects not only theft and loss compensation but also some travel and kennel/garde indemnities.
Additionally, strict limits apply to travel: only countries under the PETS scheme are covered, and only up to 90 days per year—medical tourism is expressly refused.
Cover is also denied in cases of non-compliance with legal requirements (e.g., vaccinations, banned breeds, or certain working dogs), and no claims are accepted where fraud, intent, or negligence is established.
Compared to other UK pet insurers, the systematic exclusion based on microchip status and non-recognition of deaths for euthanasia not validated by a vet or for pets above certain age thresholds for illness-related claims are particularly stringent criteria.
| Exclusions | Details |
|---|---|
| Medical / health exclusions | - Pre-existing conditions or symptoms - Illness starting within 14 days of cover (except continuous cover) - Injury/poisoning within first 3 days (except continuous cover) - Non-essential (convenience) or preventative treatments, vaccinations - Claims without valid invoices - Most prosthetics (except hip/knee/elbow), non-essential surgery - Dental unless strict conditions met - Dietary for obesity - Euthanasia not deemed necessary by vet - Death by illness above age limit (≥10y cats, ≥8y dogs/≥5y some breeds) - Death linked to pregnancy or reproduction |
| Identification/legal exclusions | - Claims for lost/stolen pets or kennel/cattery stay if dog not microchipped as required - Claims if animal is a banned breed or used for guarding, racing, etc. - Claims if legal vaccination or ownership laws not complied with |
| Geographical/travel exclusions | - Care abroad only in PETS countries, max 90 days/year - No cover for planned medical trips abroad - No liability or incident cover outside UK or specified areas - Loss of passport/documents not declared to police - Quarantine not covered except per listed insured cases |
| Behavioural/accident exclusions | - Costs from pets with known aggression history or repeat fighting (e.g. no cover after documented previous fights/attacks) - Incidents due to owner’s or third-party criminal act, malice, negligence, or breach of animal laws - Claims from professional use, dog walkers, carers, breeders (except as allowed by policy) |
| General administrative/legal | - Claims stemming from fraud, false declaration, or intentional misconduct - Costs due to war, riots, nuclear events, pollution - Penalties/fines/judicial sentencing - Animals under 8 weeks old - Any item/cost already indemnified by another source (e.g. travel insurance refund) |
- Illness starting within 14 days of cover (except continuous cover)
- Injury/poisoning within first 3 days (except continuous cover)
- Non-essential (convenience) or preventative treatments, vaccinations
- Claims without valid invoices
- Most prosthetics (except hip/knee/elbow), non-essential surgery
- Dental unless strict conditions met
- Dietary for obesity
- Euthanasia not deemed necessary by vet
- Death by illness above age limit (≥10y cats, ≥8y dogs/≥5y some breeds)
- Death linked to pregnancy or reproduction
- Claims if animal is a banned breed or used for guarding, racing, etc.
- Claims if legal vaccination or ownership laws not complied with
- No cover for planned medical trips abroad
- No liability or incident cover outside UK or specified areas
- Loss of passport/documents not declared to police
- Quarantine not covered except per listed insured cases
- Incidents due to owner’s or third-party criminal act, malice, negligence, or breach of animal laws
- Claims from professional use, dog walkers, carers, breeders (except as allowed by policy)
- Costs due to war, riots, nuclear events, pollution
- Penalties/fines/judicial sentencing
- Animals under 8 weeks old
- Any item/cost already indemnified by another source (e.g. travel insurance refund)
Itch Fees
Overall, Itch positions itself as a fully digital, single-formula insurer focused on lifetime cover for cats and dogs, featuring a streamlined online experience and integrated 24/7 tele-vet access.
The core offer is comprehensive relative to most pure digital competitors, with wide medical expense coverage (including complementary therapies, dental care, and certain travel and public liability protections) and eligibility for young to mid-age pets.
Limits, excess, and reimbursement percentages can vary by contract, but a typical fixed excess of £100 per claim and variable annual caps mean that Itch sits in a median price segment—less expensive than highly comprehensive, high-ceiling legacy products, but offering broader everyday cover than entry-level or accident-only policies.
Because Itch’s processes are 100% online—from quote to claims—and it avoids branch or phone-based underwriting, its costs remain lean, which benefits policyholders through competitive rates for a fairly robust package.
Itch best suits owners seeking a balanced mix of digital efficiency, solid coverage breadth, and controlled monthly outlay, rather than those looking for highest-limit “premium” protection or the lowest-cost, restricted products.
Estimated Monthly Premiums for Itch Insurance (Lifetime, UK, 2024/2025)
| Lifetime Cover | |
|---|---|
| Young Cat (2–4 yrs) | £15/mo |
| Senior Cat (7–8 yrs) | £20/mo |
| Small Dog (2–10kg, 2–4 yrs) | £18/mo |
| Small Dog (7–8 yrs) | £24/mo |
| Large Dog (25–35kg, 2–4 yrs) | £25/mo |
| Large Dog (7–8 yrs) | £32/mo |
To find the most affordable and suitable coverage for your pet, make sure to compare Itch’s quote with other leading UK insurers before subscribing.
👉 Compare pet insurance plans for freeStart saving on vet billsItch promo codes
| Itch promo codes | Details |
|---|---|
| HelloSafe promo code | -5% on your quote |
| First month free | First month of flea treatment free, £2.99 P&P |
How much will I be reimbursed with Itch?
When your pet has a health problem, Itch Lifetime Insurance helps you manage those unexpected vet bills by reimbursing a large part of your expenses (after a fixed excess), up to a generous annual limit defined in your policy. Here are some concrete examples to help you understand how much you could save—and how much peace of mind you'll gain—when you choose full cover with Itch:
Example 1: Veterinary consultation and antibiotics for gastroenteritis
Total vet fees: £250 (consultation, tests, medication)
Excess (fixed annual): £100 (applied on your first claim of the insurance year)
Amount eligible for reimbursement after excess: £250 – £100 = £150
Reimbursed at 90%: £150 × 90% = £135
👉 You receive £135 back.
ℹ️ The £100 excess only applies once per insurance year, so future claims in the same 12 months will not have the excess deducted again until renewal. The 90% reimbursement applies to the remaining costs after excess, up to your annual coverage limit.
Example 2: Cruciate ligament surgical repair (knee surgery for dog)
Total vet fees: £2,500 (specialist surgery, anaesthesia, hospitalisation, rehab)
Excess already paid this insurance year: £0 (you have already claimed earlier this year)
Amount eligible for reimbursement: £2,500
Reimbursed at 90%: £2,500 × 90% = £2,250
👉 You receive £2,250 from Itch.
Your insurance will cover up to your full annual benefit limit, which for top-tier policies is often as high as £7,000–£10,000 per year. This example shows how drastically your out-of-pocket expenses can be reduced with comprehensive cover.
Example 3: Dental treatment after accident (broken tooth extraction)
Total vet fees: £450 (exam, X-rays, extraction, pain management)
Excess in place: £0 (already met for the insurance year)
Amount eligible for reimbursement: £450
Reimbursed at 90%: £450 × 90% = £405
👉 You receive £405 in reimbursement.
ℹ️ Dental cover is provided by Itch but only if your pet's annual check-up and dental care were kept up-to-date, as required by the policy. In this accident situation, you're still eligible since this is trauma, not disease.
With Itch, you protect yourself from large unexpected bills—your out-of-pocket fees are significantly reduced, and your pet can always get the best care without compromise.
Itch Support
Itch’s assistance for policyholders stands out for providing 24/7 tele-vet access with unlimited phone/video consultations included at no extra cost, a significant benefit for urgent queries and out-of-hours support.
Claims and reimbursements are managed entirely online via the Itch Insure Hub, streamlining administration and reducing paperwork for users, although there is no mention of a dedicated mobile app specifically for claims tracking or upload.
An advance of fees system, common in GB via Petcard or CarefreeCredit, is not offered by Itch; the policyholder must pay vets up front and seek reimbursement later.
Emergency veterinary helpline is available, but there is no partner vet network or negotiated direct payment arrangement, which could help simplify access and billing.
The foreign cover is relevant but strictly limited to 90 days per year and only within PETS countries, with rigid evidence requirements and no provision for long stays abroad or expatriation.
| Assistance Itch | Available? | Details |
|---|---|---|
| Advance of fees | ❌ | No direct-to-vet payment system (eg, Petcard/CarefreeCredit). Owner pays upfront, then claims back. |
| Payment facilities | ❌ | No mention of instalment payment for claims or purchases. Monthly premium payments only. |
| Mobile application | ❌ | No dedicated Itch Insure mobile app identified for claims. Online portal via web browser only. |
| Paperless claims reimbursements | ✅ | 100% digital; claims managed on Itch Insure Hub. Upload documents and monitor status online. |
| Emergency vet assistance | ✅ | Free 24/7 vet helpline via phone/video. No additional cost, unlimited use. No app-based chat. |
| Partner clinic/vet network | ❌ | No preferred partner vet network. Owner chooses any RCVS-registered vet in UK; no direct billing. |
| Overseas cover | ✅ | Medical cover in PETS countries up to 90 days/year. Strict proof required; not valid for long stays. |
Owner pays upfront, then claims back.
Monthly premium payments only.
Online portal via web browser only.
Upload documents and monitor status online.
No additional cost, unlimited use.
No app-based chat.
Owner chooses any RCVS-registered vet in UK; no direct billing.
Strict proof required; not valid for long stays.
Customer feedback on Itch
| Review Site | Rating and Number of Reviews |
|---|---|
| Trustpilot | 4.0/5 - 10,368 reviews |
| itchpet.com | 'Excellent' - 28,000+ reviews |
We have analysed the reviews from the sources listed above. On the positive side, pet owners who have subscribed to Itch often mention:
- The convenience and reliability of the subscription service: treatments arrive on time, ensuring continuous and effective protection for their pets.
- The effectiveness of the products: many users report that their pets remain flea, tick, and worm free, sometimes after years of use.
- The responsive and helpful customer service: many customers highlight the human, understanding, and knowledgeable service, with quick resolutions for issues such as wrong orders.
- The flexibility of the plans: subscribers appreciate being able to pause, amend, or cancel their deliveries easily according to their pets’ changing needs.
- The ease of use and user-friendly online portal: the process of ordering, managing subscriptions, and accessing advice is rated as straightforward and efficient.
- The added bonus of expert veterinary support and advice: free, ongoing access to helpful advice is valued by owners who want extra guidance.
On the negative side:
- The occurrence of adverse reactions in some pets: a small but notable number of customers have reported issues such as fur loss, skin burns, or illness after using the treatments.
- The difficulties some users experience in cancelling subscriptions or obtaining refunds after a negative incident: a minority report frustration with the process.
- The product packaging and application safety: a few customers have flagged pipette or packaging design flaws, leading to accidental exposure (e.g., splashing in the eye).
- The perceived environmental waste: several users express concern about receiving more product than needed, especially in single-pet or lighter treatment cycles.
- The inconsistency in customer service response regarding negative experiences: while most receive prompt help, some feel their issues were not fully resolved or understood.
How can I contact Itch?
| Service client Itch | Détails |
|---|---|
| To get a quote or subscribe online | You can use the HelloSafe top pet insurance comparison tool, select the plan that suits you, and click to get a quote. |
| To request and track a refund | Submit your request online via the Itch Insure Hub (itchpet.com/insure-hub) where you can also track the status of your refund. Forms can be downloaded from this portal or requested from customer service. Documents to prepare: detailed invoice, proofs of purchase and expenses, depending on the claim. Deadline: file the request within 12 months after the event. Refunds are usually processed within a few days upon receipt of the complete file, payment by bank transfer. Telephone assistance: 0344 801 2171. Postal address: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX, United Kingdom. |
| To obtain a certificate of insurance | Log in to the Itch Insure Hub (itchpet.com/insure-hub) to download your certificate directly. You can also request it from customer service by phone at 0344 801 2171 or by mail at: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX, United Kingdom. |
| To contact support | For 24/7 veterinary assistance: contact the Itch Vet Clinic at 0333 332 4333 or go to itchpet.com/itch-vet-clinic. For any other assistance or general insurance inquiries: call 0344 801 2171. By email: [email protected]. By mail: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX, United Kingdom. |
| To cancel my contract | Send your cancellation request by mail to: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX, United Kingdom, or contact customer service at 0344 801 2171. You can also make the request via the Itch Insure Hub. No document is required except in case of contract transfer. Notice: the cancellation takes effect upon request (subject to contractual conditions, excluding 14-day withdrawal period). For a refund within the withdrawal period (14 days), no claim must have been filed. A final direct debit notice may apply depending on the effective date. |
Forms can be downloaded from this portal or requested from customer service.
Documents to prepare: detailed invoice, proofs of purchase and expenses, depending on the claim.
Deadline: file the request within 12 months after the event.
Refunds are usually processed within a few days upon receipt of the complete file, payment by bank transfer.
Telephone assistance: 0344 801 2171.
Postal address: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX, United Kingdom.
You can also request it from customer service by phone at 0344 801 2171 or by mail at: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX, United Kingdom.
For any other assistance or general insurance inquiries: call 0344 801 2171.
By email: [email protected].
By mail: Pinnacle House, A1 Barnet Way, Borehamwood, Hertfordshire WD6 2XX, United Kingdom.
You can also make the request via the Itch Insure Hub.
No document is required except in case of contract transfer.
Notice: the cancellation takes effect upon request (subject to contractual conditions, excluding 14-day withdrawal period).
For a refund within the withdrawal period (14 days), no claim must have been filed.
A final direct debit notice may apply depending on the effective date.
FAQ
Do I need to pay the vet upfront with Itch pet insurance?
With Itch pet insurance, you will generally need to pay your vet directly at the time of treatment. Afterward, you submit your itemised invoice and claim form to Itch for reimbursement. Itch does not currently offer a third-party direct payment option (such as Payvet), so advancing vet fees is required from the policyholder.
How do I cancel my Itch pet insurance policy?
To cancel your Itch pet insurance, the simplest way is to contact the customer service team by phone, email, or via your online account. You can cancel at any time with no further payments due after your request. If cancelling within the first 14 days and no claims have been made, you are entitled to a full refund. No specific documents are required unless requested.
What does Itch pet insurance cover?
Itch provides comprehensive lifetime insurance for cats and dogs, including vet fees for illness or accidents (up to your annual limit), some complementary treatments, dental care (subject to meeting check-up conditions), euthanasia on veterinary advice, loss or theft, and even cover when travelling in eligible countries. Routine/preventive care and pre-existing conditions are excluded.
Who is eligible for Itch pet insurance?
Both cats and dogs can be insured from 8 weeks old. The maximum joining age is usually up to 8 years for dogs (or 5 for specific breeds) and up to 10 years for cats. If you join before this age cutoff, lifetime cover can continue as long as you renew your policy and meet contract terms.
How do I make a claim with Itch, and how long does it take to get reimbursed?
To make a claim with Itch, upload your completed claim form and all relevant receipts via the Itch Insure Hub or contact customer service for help. Claims must be filed within 12 months of the treatment or event. Once the claim and documents are received, Itch assesses the claim according to your cover and aims to process reimbursement as quickly as possible.
Do I need to pay the vet upfront with Itch pet insurance?
With Itch pet insurance, you will generally need to pay your vet directly at the time of treatment. Afterward, you submit your itemised invoice and claim form to Itch for reimbursement. Itch does not currently offer a third-party direct payment option (such as Payvet), so advancing vet fees is required from the policyholder.
How do I cancel my Itch pet insurance policy?
To cancel your Itch pet insurance, the simplest way is to contact the customer service team by phone, email, or via your online account. You can cancel at any time with no further payments due after your request. If cancelling within the first 14 days and no claims have been made, you are entitled to a full refund. No specific documents are required unless requested.
What does Itch pet insurance cover?
Itch provides comprehensive lifetime insurance for cats and dogs, including vet fees for illness or accidents (up to your annual limit), some complementary treatments, dental care (subject to meeting check-up conditions), euthanasia on veterinary advice, loss or theft, and even cover when travelling in eligible countries. Routine/preventive care and pre-existing conditions are excluded.
Who is eligible for Itch pet insurance?
Both cats and dogs can be insured from 8 weeks old. The maximum joining age is usually up to 8 years for dogs (or 5 for specific breeds) and up to 10 years for cats. If you join before this age cutoff, lifetime cover can continue as long as you renew your policy and meet contract terms.
How do I make a claim with Itch, and how long does it take to get reimbursed?
To make a claim with Itch, upload your completed claim form and all relevant receipts via the Itch Insure Hub or contact customer service for help. Claims must be filed within 12 months of the treatment or event. Once the claim and documents are received, Itch assesses the claim according to your cover and aims to process reimbursement as quickly as possible.
