Frequently Asked Questions

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You asked: What's the excess on my pet insurance?

Excess:
The excess is the amount you pay towards a claim, and will be applied to each condition you claim for.
• The standard excess is £75 for illness or injury. Where you have chosen a voluntary excess, it will be applied in addition to the standard excess. The excesses which apply to your policy are shown on your policy schedule.
If your claim is for vet fees and we make more than one payment for the same illness or injury, the excess will be applied to the first payment we make in each insurance year.

For example:
- If your pet needs ongoing treatment for diabetes we will apply the excess to the first payment we make, but not to any future payments for this condition within the same period of insurance.
- When you renew your policy we will apply the excess to the first payment we make for this condition following your renewal.
This means that for as long as you remain insured with us you’ll only pay your excess once a year for a condition which requires ongoing treatment.
• Any claim for third party liability (dogs only), will be subject to a total excess of £100.

Contribution:
If your pet is aged 7 years or over when your cover starts or your policy is renewed, you will need to pay a 15% contribution towards any claim for illness or injury (including claims for ongoing treatment). This is in addition to the total excess (the standard and voluntary excess applicable).
Where we make more than one payment for the same illness or injury the 15% contribution will be applied to every payment we make to you.
Where applicable we will always deduct the standard and voluntary excess before calculating your contribution.

 

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