Pet insurance excess and co-payment calculator
Enter your vet bill, excess, and co-payment to see exactly how much you and your insurer would each pay. The charging structure (per condition, per claim, or per year) makes a significant difference for ongoing conditions.
0% if no co-payment on your policy.
Assumptions and methodology
Owner pays fixed excess per the selected charging structure. Owner pays co-payment % on the remaining eligible amount. Policy pays up to the vet-fee limit. Any amount above the limit is the owner's responsibility.
Common mistakes to avoid
- ✕Assuming excess is always charged per claim — some policies charge per condition or per year.
- ✕Forgetting that the co-payment applies on top of the excess.
- ✕Not checking whether the vet fee limit applies per condition, per year, or as a lifetime maximum.
Frequently asked questions
A co-payment (co-insurance) is a percentage of the eligible vet bill that you pay, after the excess has been deducted. For example, 20% co-payment means you pay 20% of the eligible amount and the insurer pays 80%.
Many insurers introduce a co-payment when a pet reaches a certain age (commonly 8–10 years) because older pets are more likely to need treatment. It reduces the insurer's exposure while keeping the pet insurable.
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Disclaimer
This is a simplified estimate based on the assumptions shown above. It isn't a quote, and a real insurer may arrive at a different figure. Use it as a starting point, then check the details with your insurer or adviser.