What is a co-payment and when do I have to pay it?

When 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. 

How is a co-payment applied to a policy?

Here is an example based on a  £500 claim for vet fees that was assessed and accepted in full: 

Amount of claim: £500.00 

You pay 

Excess: £99.00 

20% co-payment: £80.20 

Total payable by you: £179.20 

Animal Friends will pay: £320.80 

Make a claim

It doesn’t need to be confusing, find out how to make a claim.

Pet insurance terms explained

Pet insurance can be confusing.

Check out our A-Z of terms to make it easier to understand.