How much of a pet insurance claim do I have to pay?
The policy excess is the amount you have to pay towards the cost of a claim. When you go to your vet, the 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 to each condition. If you have a lifetime policy, once your dog reaches 8 or your cat 10 years of age, you'll pay the flat excess. After that has been taken from your vet fees claim, we'll pay 80% of the remaining vet fees that are covered by the policy.
For third party liability claims and accidental damage claims (only applicable to our Lifetime £10,000 policy) 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 if your pet is lost or stolen, or death from illness or accident.