Pet Insurance Co Payment!!

The_Beekeeper

Hi Folks this is my first thread.
We currently insurance our dogs (1=12years old, 1x10years old) through Animal Friends, one of the clauses is Co-Payment 35% this appears on both policy's.
I already pay an excess.
Can anyone tell me what Co-Payment really means?
When I have asked the insurers no one appears to be completely clear.
Thank you

GwylimT

With my human health insurance co-pay it simple means I pay a percentage of any treatment to an upper limit of £1k, my co-pay is 10%.

Quentin

It means you are covered for 65% of the cost of treatment

(Instead of paying an excess)

The_Beekeeper

Thank you for the replies.
On the 2nd reply you say co-payment is instead of paying an excess.
I have to pay an excess of £69 on top of the co-payment.

My Lab has just had an operation, not major but it cost £479.12 I had to pay £69 excess + 35% £143.54 Co-payment this left £266.58 payable.
I just don't understand why it can't be straight forward.
ALL insurance companies no matter what you want to insure always have these little add on's but pet insurance appears to be the worst.

stator

Yes unfortunately a lot of insurance companies do this as your pets get older. It's a bit of a con since they don't tell you about this when you first take out the insurance and when you find out about it you can't switch to another provider because your pets are too old or you have made a claim already.

dacouch

stator wrote: »

Yes unfortunately a lot of insurance companies do this as your pets get older. It's a bit of a con since they don't tell you about this when you first take out the insurance and when you find out about it you can't switch to another provider because your pets are too old or you have made a claim already.

Although the companies that don't do this simply refuse to offer cover for your pets when the reach 8 or 10.

The co payment is the better of the two evils