What is bill share?

Bill Share is our way of helping you control your premium — and it’s also known as a co-payment.

With Lifetime Plus:
It’s totally optional — you can choose whether to add a co-payment, and if so, pick a level from 0% to 30%. The more you contribute towards a claim, the lower your premium will be.

With Lifetime:
Co-payment is compulsory once your pet reaches a certain age:

Dogs: from 8 years

Cats: from 10 years

At this point, you’ll need to contribute 20% towards each claim (after the excess). You can still add an optional co-payment of 0%–30% before your pet reaches that age.

How does it work?
Co-payment applies after your excess is deducted. You pay your chosen percentage of the remaining amount, and we pay the rest (up to your cover limit).

Let’s break it down to see how that could look if you needed to make a claim….