Back 
When do I have to pay a co-payment?
25369When your dog is 8 or older or your cat is 10 or older, a co-payment will become payable when you make a claim for vet fees.
The co-payment is usually 20% of each claim amount that you’ll have to pay, in addition to the Excess and will be deducted from the applicable policy limit.
Just like people, as your pet ages the chance of it needing medical treatment increases, meaning you’re more likely to claim on your policy. This means that your premiums may increase as your pet ages.
How helpful was this article?
5
4
3
2
1
Looking for something else?
Claims questions
Pet insurance can be confusing.
Check out our A-Z glossary to make it easier to understand.
Popular questions
Claims questions Policy questions Animal Friends questions Joii questions
Claims questions What can I claim for? How long to claim back fees? How can I make a claim? How long to assess a claim? What is Pawtal? How will my claim be paid? Which claim form to use? What’s an excess? What’s a co-payment? When do I have to pay an excess? Can someone else talk to you on my behalf? Can you pay my vet directly? Will my premiums go up if I make a claim? What should I do if I’m unhappy with the outcome of a claim? Can I claim for complementary treatment? How do I check if I am covered for treatment? How do I know that my claim has been received? When do I have to pay a co-payment? My pet is missing. How can Animal Friends help? My pet has been missing for a long period of time – Should I cancel my policy? How can I check the status of my claim? I'm worried that my claim won't be submitted in time due to COVID-19. What should I do? My pet has passed away, how do I cancel my policy?
Animal Friends questions Joii questions 
