A co-payment is an additional percentage of 35% automatically introduced when your pet reaches a certain age, for a dog it is 7 and for a cat it is 10 years old.
- Typical Amount: This age-related co-payment is often 35% of the remaining claim cost.
- How it works: Once your pet reaches that age, for every claim, you pay your initial deductible plus this percentage co-payment (e.g., 35%) of the vet bill. This is usually implemented to help keep premiums affordable as a pet enters its senior years and claims become more frequent.