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Calculator

Dog insurance claim value calculator

See what insurance will pay and what you will owe out of pocket for a vet bill, based on your policy terms.

Enter your vet bill and policy details to understand the true cost split between you and your insurer.

Step 1 — Vet bill

What's the vet bill amount?

Enter the total cost of treatment before insurance.

Step 1 of 7

£

Vet bill: £2,000.00

Tips to maximise your cover

  • If your insurance pays less than £100, consider whether claiming is worth potentially higher premiums next year.
  • Keep a record of all vet bills, receipts, and policy documents in case you need to claim.
  • Check your policy wording for co-insurance, excess, and annual limits — they vary widely between insurers.
  • Some policies have per-condition limits instead of annual limits, which can affect long-term claims.
  • If your dog has an ongoing condition, confirm whether your policy still covers it before claiming.

Assumptions & disclaimer

We publish the exact inputs so you can sanity check whether they fit your household.

  • Co-insurance applies to the remaining amount after excess is deducted.
  • The annual limit caps the maximum claimable amount per policy year.
  • Amounts over the annual limit are paid entirely by you.
  • This calculator uses simple policy terms and does not account for exclusions, waiting periods, or pre-existing conditions.
  • Net benefit calculation assumes you pay premiums for the full year, which is a simplified view.

This is a planning tool, not financial advice. Prices change quickly and vary by breed, postcode, and health history. Get real quotes from vets, insurers, groomers, and walkers before committing to a dog.

Related guides

Use these guides to understand insurance better and reduce overall costs.