Scratch and Patch vs Spot On Lifetime
Compare pet insurance features, coverage, and pricing between Scratch and Patch and Spot On Lifetimeto find the best protection for your pet.
Starting Premium
£63.34
Scratch and Patch
£67.20
Spot On Lifetime
Maximum Cover
£4,000
Scratch and Patch
£4,000
Spot On Lifetime
Customer Rating
4.2
Scratch and Patch
4.2
Spot On Lifetime
Vet Fees Cover
Covered for up to £4,000 per condition with unlimited number of conditions
Scratch and Patch
Covered each year up to £4,000 per condition with unlimited number of conditions
Spot On Lifetime
Available Policy Types
About Policy Types
Insurers typically offer different levels of cover such as Accident Only, Time-Limited, Maximum Benefit, and Lifetime. Lifetime policies are generally the most comprehensive but also tend to be more expensive.
Premium Analysis
Premium Range Comparison
Premium ranges are affected by pet age, breed, and location. The actual premium you'll pay may vary.
Policy Coverage & Exclusions
Covered for up to £4,000 per condition with unlimited number of conditions
up to limit per condition/year
Covered each year up to £4,000 per condition with unlimited number of conditions
up to limit per condition/year
Important Coverage Notes
Both insurers typically exclude pre-existing conditions. Always check the full policy documents for specific exclusions and waiting periods. Coverage may vary based on your pet's age, breed, and health history.
Claims Process
Additional Benefits
Support Services
Customer Base Analysis
Scratch and Patch
Total Policies
13145
Dogs
8845
67%
Cats
4300
33%
Spot On Lifetime
Total Policies
10420
Dogs
6972
67%
Cats
3448
33%
Scratch and Patch Distribution
Spot On Lifetime Distribution
Making Your Decision
When comparing Scratch and Patch and Spot On Lifetime, consider how each provider's strengths align with your pet's specific needs. Scratch and Patch's average premium of £442.48compared to Spot On Lifetime's £338.16 should be weighed against the coverage and benefits each provider offers.
Best for Scratch and Patch:
- More affordable starting premiums
- Third party liability coverage
Best for Spot On Lifetime:
- Third party liability coverage
Remember that the best choice depends on your individual circumstances, including your pet's age, breed, health history, and your budget. Consider getting quotes from both providers to make a fully informed decision.