Pet insurance - paying towards meds

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We have been told our old cat needs to start regular medication, but the vet said not to worry as we are insured and they will liaise directly with the insurers to recoup the medication costs. We would just need to pay the excess.
I have just checked our policy however and it says “The excess is the amount you pay towards a claim. There is no excess on any sections of cover except Vet's Fees where it is £150 plus 25% of the remaining fees.”
So does that mean we will have to pay 25% towards the medication? Does anyone know how that would work?
I don’t know the cost yet but I have heard that medication can be bought more cheaply if not through the vet, so is that worth exploring? Just wondered how that would work if the vets are saying they’ll liaise directly with insurance.
Thanks for reading and for any advice you might have.

So you'd need to pay the vet the 150 plus 25 percent of all the costs involved. Or you can ask the vets for a written prescription, pay them for that then obtain the drugs online. You would then claim the money back from the insurers yourself

Ok. Thank you for the info. Good to have more of an idea before I go to the next appointment.

I can't help with the payments etc. What medication will the cat need? Some meds do need to be prescribed via a vet- not necessarily YOUR vet though. MIL's dog has epilepsy. She tried getting meds cheaper via another vet- but their consult fee was almost the same and negated any savings on the cost of the meds! Hopefully your insurance covers it though.