Do I have to pay anything when I make a claim?

It depends on your cover and your pet’s age — but yes, in most cases you may need to contribute something.

Here’s what you might pay:

Excess

With Lifetime Plus, you choose your excess between £0 and £500.

With Lifetime, you choose between £100 and £500, with a minimum of £100.

You’ll only pay your excess once per condition, per policy year, even if you make multiple claims for the same issue during that year.

Bill Share (Co-payment)
This is a percentage of the remaining vet bill after the excess has been deducted.

With Lifetime Plus, it’s optional — you can choose between 0% and 30%.

With Lifetime, it becomes compulsory once your dog turns 8 or your cat turns 10, set at 20%. Before that age, it’s optional like Lifetime Plus
.

So the amount you’ll pay when claiming depends on:

• Your chosen excess
• Whether you’ve added an optional Bill Share
• Whether you’re subject to a compulsory Bill Share based on your pet’s age
• Your cover limits