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.
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
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 |
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.