At Napo, we have two different types of co-pay: voluntary co-pay and senior pet co-pay.
Voluntary Co-pay
Voluntary co-pay allows you to reduce your premiums by contributing 20% of each of your accepted vet fee claims (after excess), giving you a more customisable insurance plan. The co-pay option can be added or removed only at renewal for pets under 9 years old, but is obligatory for all policies once your pet turn 9 years old.
If you remove voluntary co-pay at renewal, any conditions that showed signs or symptoms since you've been with Napo (regardless of whether you claimed for them or not) will continue to include 20% co-pay.
Senior Pet Co-pay
You’ll be asked to contribute 20% of any vet fees including complementary, behavioural, or dental treatment once your pets turns 9 years old.
This is in addition to your £99 excess which is deducted once per condition, per policy year. Unlike the excess, the co-pay is deducted from every claim.
Why do you have a co-pay?
It helps us keep monthly premiums relatively low, while still paying the vast majority of the vet bills.
Your co-pay is deducted directly from your claim payment rather than your policy cover limit so there are no surprises when it comes to your overall cover balance after you claim.
Here is an example of what Napo would pay for a £1,000 vet bill claim where co-pay is applied:
