Co-payment is an additional excess you pay towards each claim. It’s usually a percentage of the vet bill and is paid on top of your standard excess.
Many insurers make co-payments mandatory as pets get older. At Waggel, we give you the choice instead. You can opt into a 20% co-payment on new policies, or at renewal, if it works better for you, regardless of your pet’s age.
Your Annual Limit is the total amount that you can claim for veterinary medical bills each policy year.
If you reach your Annual Limit, you won't be able to cover any further treatments in the policy year, but the Limit will refresh when your policy renews.
Your Excess (Claim Contribution) is the amount that you will contribute to the treatment for each unique condition before Waggel is able to pay out.
This would be payable per condition, per policy year and it resets upon renewal along with your Annual Limit.
You certainly can. We are one of the few providers that allow you to make changes to both your Annual Limit & Excess (Claim Contribution).
You can make changes within the first 7 days from the start date of your new policy, and then 30 days before your policy is due to renew.
You will receive an email 30 days before renewal to remind you.
Sub-Limits refer to certain treatments within your Annual Limit that have a maximum claim amount. These limits are as follows:
Complementary treatments: £1,000
Behavioural treatments: £1,000
Dental treatments: £1,000
These are here to keep your policy affordable.