Pet Insurance Excess Calculator

calculatorsonline.co.uk

Pet Insurance Excess Calculator

Work out exactly what you’ll pay towards a vet bill after your fixed excess and co-payment, and how much your insurer will cover.

🐾 Pet Insurance
💷 Vet Bill Cost
Instant Results
📱 Mobile Friendly

Calculate Your Excess & Co-Payment

Enter your vet bill and policy details to see exactly how much you’ll pay out of pocket, and how much your pet insurer will reimburse.

Excess Calculator

Enter your bill and policy details

💷 Vet Bill
📋 Policy Details
Many insurers add extra co-payment for pets aged 8 and over. Check your policy for its exact age threshold.
ℹ️ Not financial advice: This tool gives a general estimate based on the figures you enter. Always confirm your exact excess, co-payment, and any age-related loading with your insurance provider or policy documents.

Your Cost Breakdown

Based on your vet bill and policy terms

Excess Examples at £99 & 20%

How a £99 fixed excess and 20% co-payment plays out across different vet bill sizes, for quick comparison.

Vet Bill You Pay Insurer Pays
£200£119.20£80.80
£500£179.20£320.80
£1,000£279.20£720.80
£2,000£479.20£1,520.80
£5,000£1,079.20£3,920.80
£10,000£2,079.20£7,920.80
⚠️ Important Note: This table assumes a single claim with a £99 fixed excess and a flat 20% co-payment. Your own policy’s excess, co-payment rate, and any age-related loading may differ, and could apply separately to each condition claimed. Use the calculator above for figures matching your policy.

Pet Insurance Excess FAQ

Everything you need to know about how excess and co-payment work on a pet insurance claim.

Pet insurance excess is the amount you agree to pay towards a claim before your insurer contributes the rest. It usually has two parts: a fixed excess, a flat amount taken off each claim, and sometimes a percentage co-payment on top.

A fixed excess is a flat amount, for example £99, deducted from a claim once. A percentage co-payment, sometimes called a percentage excess, is a share of the remaining claim, for example 20%, that you also pay after the fixed excess has been taken off.

This depends on the policy. Many policies charge the fixed excess once per condition per policy year, so if your pet is treated for two unrelated conditions you may pay the excess twice. Some policies instead charge it once per policy year regardless of how many conditions are claimed for. Always check your specific policy wording.

Many insurers apply an age-related co-payment that increases once a pet passes a certain age, often around 8 years old, because older pets statistically make more claims. This can appear as a higher percentage co-payment or an additional fixed amount on top of the standard excess.

Similar Posts