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Scratch and Patch vs Tesco

Compare pet insurance features, coverage, and pricing between Scratch and Patch and Tescoto find the best protection for your pet.

Starting Premium

£63.34

Scratch and Patch

£40.34

Tesco

Maximum Cover

£4,000

Scratch and Patch

£7,500

Tesco

Customer Rating

4.2

Scratch and Patch

4.2

Tesco

Vet Fees Cover

Covered for up to £4,000 per condition with unlimited number of conditions

Scratch and Patch

Covered for up to £7,500 per condition with unlimited number of conditions

Tesco

Available Policy Types

Scratch and Patch
Tesco
Cover Types
LifetimeMax BenefitTime Limited
LifetimeMax BenefitTime Limited

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

Scratch and Patch
Tesco
Minimum Premium
£63.34
£40.34
Maximum Premium
£3,995.30
£1,712.75
Average Premium
£442.48
£337.65

Premium Range Comparison

Scratch and Patch
£63.34 - £3,995.30
Tesco
£40.34 - £1,712.75£40.34 - £1,712.75

Premium ranges are affected by pet age, breed, and location. The actual premium you'll pay may vary.

Policy Coverage & Exclusions

Scratch and Patch
Tesco
Vet Fees Coverage

Covered for up to £4,000 per condition with unlimited number of conditions

up to limit per condition/year

Covered for up to £7,500 per condition with unlimited number of conditions

up to limit per condition/year

Standard Excess
£275
£120
Co-payment
20%
20%
Dental Included
Pre-existing Conditions

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

Scratch and Patch
Tesco
Claim Processing Time
5 days average
5 days average
Online Claims
24/7 Claims Helpline
Mobile App Rating
3.8
3.8

Additional Benefits

Scratch and Patch
Tesco
Death by Accident Cover
£500
£1,500
Death by Illness Cover
£500
£1,500
Third Party Liability
£2,000,000
£2,000,000
Lost or Stolen Pet
£750
£1,500
Advertising & Reward
£750
£1,000
Boarding Fees
£750
£1,000

Support Services

Scratch and Patch
Tesco
UK-based Call Centre
Vet Advice Helpline
Legal Advice Service
Bereavement Counselling

Customer Base Analysis

Scratch and Patch

Total Policies

13145

Dogs

8845

67%

Cats

4300

33%

Tesco

Total Policies

15407

Dogs

9905

64%

Cats

5502

36%

Scratch and Patch Distribution

Dogs
Cats

Tesco Distribution

Dogs
Cats

Making Your Decision

When comparing Scratch and Patch and Tesco, consider how each provider's strengths align with your pet's specific needs. Scratch and Patch's average premium of £442.48compared to Tesco's £337.65 should be weighed against the coverage and benefits each provider offers.

Best for Scratch and Patch:

  • Third party liability coverage

Best for Tesco:

  • More affordable starting premiums
  • 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.