Our honest review of Scratch & Patch pet insurance
Scratch & Patch pet insurance offers a UK pet insurance product underwritten by Stonebridge International Insurance Ltd (FRN 203188, Company 03321734, 14th Floor 33 Caven. 6 plan options are available. The fixed excess sits at Certificate-defined, with senior co-payment Certificate-defined. Trustpilot score: 4.5/5 from 1940 reviews. The structural positioning vs the three HelloSafe UK partners (Agria, Waggel, 4Paws): Scratch & Patch delivers a standard UK pet cover product without the dedicated pet-specialist underwriting depth of Agria (Swedish-origin since 1890), the app-first claim handling of Waggel, or the £30,000 annual cap on 4Paws Lifetime-30.
Our take: compare before signing up. With Agria, specialist pet underwriting depth.
Strengths
- Underwritten by Stonebridge International Insurance Ltd (FRN 203188, Company 03321734, 14th Floor 33 Caven — established UK insurer
- 6 plan options for cover flexibility
- Trustpilot 4.5/5 from 1940 reviews
- Standard UK pet insurance product with industry-norm exclusions
Weaknesses
- Generalist or multi-line underwriting vs dedicated pet specialist alternatives (Agria, Waggel)
- Senior co-payment: Certificate-defined
- Pre-existing conditions excluded with no finite lookback window
- Annual vet fee limits and TPL on the Certificate of Insurance
- No 24/7 vet helpline included as standard (varies by plan)
What does Scratch & Patch cover for pet insurance?
Scratch & Patch offers 6 plan options with standard UK pet insurance structure.
| Coverage | Scratch & Patch Pet Insurance |
|---|---|
| Cover type | On Certificate |
| Annual vet fee limit | On Certificate |
| Excess | Certificate-defined |
| Senior co-payment | Certificate-defined |
| Dental (with annual check-up) | Within vet fees |
| Third Party Liability (dogs) | On Certificate |
HelloSafe comparison · updated May 2026
Annual vet fee cap vs monthly premium
Each provider's position on the two dimensions that drive value.
Indicative monthly prices for a medium-breed adult dog.
Waiting periods
| Event type | Waiting period |
|---|---|
| Accidents | On Certificate |
| Illness | 14 days |
| Pre-existing conditions | Excluded |
| Senior co-payment threshold | Certificate-defined |
Standard UK pet insurance waiting periods apply.
What does Scratch & Patch exclude?
Scratch & Patch exclusions follow standard UK underwriting practice.
| Category | What the policy says |
|---|---|
| Pre-existing conditions | Excluded, no finite lookback window |
| Illness in first 14 days | Excluded |
| Routine and preventative care | Excluded |
| Dangerous Dogs Act + XL Bully | Excluded |
Scratch & Patch pricing and reimbursement
Scratch & Patch does not publish a fixed price grid; premiums depend on species, breed, age, postcode and chosen plan.
Sample pricing
| Profile | Scratch & Patch Pet Insurance |
|---|---|
| Cat, 1 year, mixed breed | £12–£20/mo |
| Dog, 1 year, medium breed | £15–£25/mo |
| Dog, 5 years, Labrador | £22–£38/mo |
Our take: compare before signing up. With Agria, specialist pet underwriting depth.
Available discounts
Multi-pet discount may apply.
Upfront vet costs
Direct vet payment may be available subject to practice arrangement.
3 reimbursement scenarios
Scratch & Patch vs the top UK alternatives
Scratch & Patch is a UK pet insurance brand. The chart positions it against the three HelloSafe UK partners.
What services does Scratch & Patch offer?
| Service | Status |
|---|---|
| Scratch & Patch customer portal | Yes |
| Stonebridge International Insurance Ltd (FRN 203188, Company underwriting | Yes |
| Multi-pet discount | Available |
Scratch & Patch operates through the customer portal.
What do customers say about Scratch & Patch?
Trustpilot shows 4.5/5 from 1940 reviews. Customer feedback follows the standard UK pet insurance segment pattern.
How to contact and cancel Scratch & Patch
Contact
| Purpose | Channel | Details |
|---|---|---|
| Claims and reimbursement | Scratch & Patch portal | Online submission |
| Customer service | Phone / Portal | Details on policy documents |
| Complaint escalation | Scratch & Patch → Stonebridge International Insu → FOS | Multi-entity |
Scratch & Patch operates through the customer portal.
Cancellation
| Step | Detail |
|---|---|
| 14-day cooling-off period | Full refund if cancelled within 14 days and no claims made |
| Cancellation method | Via portal or by phone |
| Refund after 14 days | Pro-rata refund for unused cover, subject to claim history |
| Cover after cancellation | Ceases on the cancellation date |
| Claims after cancellation | No claims accepted for incidents after the cancellation date |
| Renewal | Auto-renews unless cancelled |
14-day cooling-off period standard FCA practice.
Alternatives to Scratch & Patch
The three pet insurance providers HelloSafe recommends for UK owners comparing against Scratch & Patch.
Lifetime cover with annual pool reset, Swedish specialist since 1890, FCA-regulated UK branch.
Mobile-first lifetime cover, dental included as standard, rewards programme for healthy pets.
Flexible plans, accepts pets up to 9 years, multi-pet discount and complementary therapy add-ons.
Our take: compare before signing up. With Agria, specialist pet underwriting depth.
Frequently asked questions about Scratch & Patch
Is Scratch & Patch pet insurance worth it?
Scratch & Patch pet insurance is a UK pet insurance product underwritten by Stonebridge International Insurance Ltd (FRN 203188, Company 03321734, 14th Floor 33 Caven. The product offers standard UK pet cover. The structural trade-off vs HelloSafe's recommended UK partners (Agria, Waggel, 4Paws) is the lack of dedicated pet-specialist underwriting. For owners on a budget who accept the standard cover structure, Scratch & Patch can be competitive. For pet specialism, HelloSafe partners offer more depth.
Does Scratch & Patch pet insurance cover pre-existing conditions?
No. Scratch & Patch excludes pre-existing conditions with no finite lookback window. Lifetime exclusion in practice.
