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Animal Friends Blog


What is a co-payment?

When looking at pet insurance policies, the terminology can be quite confusing. Each benefit has certain criteria while the exclusions are dependant on different factors, so it can be easy to get lost in all the terms.

That’s why we want to help. Understanding your pet’s policy can make things easier whenever you might need to use it, so we want to clarify some definitions, starting with a co-payment.

What is a co-payment?

A co-payment is a percentage of a claim that will need to be paid by the policyholder. We apply a co-payment onto our pet policies, depending on the age of the cat or dog.

How does a co-payment work?

A co-payment is calculated from the amount leftover from a claim once the policy excess has been deducted from the invoiced amount from your vet.

How much do co-payments cost?

Here at Animal Friends, a 20% co-payment is applied to policies for dogs over the age of 8 and cats aged 10 years and older. Once the excess has been deducted from the vet invoice, we will calculate the amount you will need to pay your vet by working out 20% of the remaining balance, this will then be the co-payment due by the policyholder.

When does it happen?

Unlike an excess, which is taken once per condition, a co-payment is payable on all claims even if they’re for the same condition.

For example, our Superior policy has an Annual Condition Limit of £2,000. This means you’ll be able to claim for up to £2,000 per condition each year. If you have a vet bill for £800 and you claim on your policy, it is assessed and accepted, in full:

Amount of claim: £800
You pay:
Excess: £99
20% co-payment: £140.20
Total payable by you: £239.20
Animal Friends pay: £560.80

If you then have to submit another claim for the same condition in the same policy year for £350, you will then pay:

You pay:
Excess: £0
20% co-payment: £70
Total payable by you: £70
Animal Friends pay: £280

Who pays a co-payment?

A policyholder pays the co-payment to the veterinary practice who is waiting for the reimbursement of the treatment costs. It’s up to you how you pay for this and your vet might be able to provide some sort of payment plan, but it won’t be covered by your policy.

And that’s it! We hope this helps simplify just one of the pet insurance terms that might have people confused with their policy documents.


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Hello, lovely readers, I'm Catrin George. I'm a treat dispenser and walk giver to Marvel, the border collie. I'm here to give you the latest updates and low downs on anything and everything pet related, whether they miaow, woof, or neigh. The blogs will be filled with news, reviews, and charity visits with some discounts and giveaways squeezed in-between. So, keep your eyes peeled here!

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