Think of your excess as your share of the vet bill. You only pay the excess once per condition, per policy year.

It’s the fixed amount you agree to pay towards each new condition when you take out your policy. After you’ve paid it, we step in and cover the rest (up to your cover limits).

Let’s say your dog has an upset tummy and needs a vet visit, medication and fluids.

You pay the first £100.
We cover the remaining £300.

A co-payment is when you pay a small percentage of the claim, and we pay the rest.

This usually applies if your pet is over a certain age.

It’s worked out after your excess has been taken off.

First, we remove your excess:
£1,000 – £100 = £900

Then your 20% co-payment applies to the remaining £900:
20% of £900 = £180

So you pay:

We pay £720.