Alongside paying the compulsory excess on your policy, an additional co-payment is an amount you’re willing to pay towards the cost of a claim. For example, let’s say you have a policy with a £125 compulsory excess alongside a 20% co-payment and you are submitting a claim for a £1,000 vet bill. You would pay £300 against the cost of the claim and Scratch and Patch would pay £700. Here’s a breakdown:

  • Starting Vet Fees: £1,000
  • Your compulsory excess: £125
  • Your 20% co-payment (20% of the remaining £875): £175
  • Scratch & Patch pays: £700
  • Pet owner pays: £300

By contributing 20% towards the cost of each claim, we are able to reduce the price of your premiums.