# What is a pet insurance co-payment?

> Quick answer · Last updated 4 July 2026

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## In short

A percentage of each vet bill you pay after excess — often 10%–20% on older pets. It lowers the insurer's risk but can add hundreds of pounds to large claims on top of your excess.

Compare total claim cost, not just monthly premium.

Some policies waive co-payments for the first year.

See compare pet insurance guide.

## Related

- [Compare pet insurance](https://moneyguide.org.uk/insurance/compare-pet-insurance-guide/)
- [Pet insurance excess](https://moneyguide.org.uk/answers/what-is-pet-insurance-excess/)

## Primary source

moneyhelper.org.uk/en/everyday-money/insurance/pet-insurance

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Independent UK money guidance from [Money Guide](https://moneyguide.org.uk). Information only — not regulated financial advice.