What co-payment options do you offer?

Co-payments are a fixed percentage you pay towards your pet's treatment. We calculate this percentage from your vet bill minus the excess.

An excess is a set amount you agree to pay towards any claim at the beginning of your plan.

With us, you can choose to pay a 10% or 20% co-payment when your pet is a certain age to lower your insurance price.

For those on our newer plans (Complete Care, Standard Care, Standard Care Pre-existing or Essential Care), there is a 20% co-payment for pets seven or over when you join us or at renewal.

But for customers on our older plans (Complete, Regular, Value or Pre-existing), there is a 20% co-payment when your pet is nine or over at renewal.

This applies to our voluntary co-payment, too. For those on new plans, you can choose a 10% or 20% co-payment when your pet is under seven to lower your price. For older plans, you can choose a voluntary co-payment when your pet is under nine. Please read your handbook for exact cover details.

Like fixed excesses, co-payments help to make the insurance price more affordable. Learn more about co-payments and excesses on our explainer page.