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Q:What does co-insurance mean?
A:
This is the amount you pay towards the vet fee claim for each condition. For all pets aged 7 or older the mandatory co-insurance amount is 20%. This is in addition to the standard £55 excess for cats and £65 for dogs. For example if a claim of £300 was made for a dog the initial excess of £65 would be deducted and you would then be required to pay 20% of the remaining £235 balance, which is £47. Therefore the total you would be required to pay towards the claim is £112.
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