Excess is an amount that you will need to pay when you make a claim. The vet fees excess is made up of a compulsory flat excess plus any additional voluntary excess amount you have chosen.
On our Time Limited policies the excess applies once for each condition. On our Lifetime policies the excess applies to each condition each policy year i.e. the compulsory flat excess plus
any voluntary excess will be taken again if the claim for treatment continues into a new policy year.
If you have a lifetime policy, at the renewal following your pet’s 8th birthday for dogs, and 10th birthday for cats, a 20% excess is introduced. This means that after the flat excess
amount(s) have been taken from your claim, you’ll also pay 20% of the remaining vet fees for all claims that are covered by the policy.
For third party liability claims the excess is £250 for each property damage claim. (Please be aware that if your pet causes injury to another pet, this is damage to a person's property and the £250 excess will apply).
There is no excess for other types of claim, such as holiday cancellation, advertising and reward, or death from illness or accident.