Excess explained
The fixed excess is £125. This is the amount you pay towards each condition per policy year. So if you claimed for the same condition more than once in a year, you’d only pay the fixed excess for the first claim. If treatment lasts more than a year, then there will be an excess for each year you claim for it.
There’s also a variable excess, which you choose when you set up your policy. You can choose either 0%, 10% or 20%. You might not be able to choose your own variable excess for older pets and some breeds. To keep things simple, we’ll deduct the excess from any amounts we pay you.
How your excess works based on a claim cost of £3,000:
- You pay a £125 fixed excess
- You also pay £287.50, 10% variable excess (chosen by you when you set up your policy)
- We pay £2,587.50.
So you pay £412.50 in total and we pay the remaining £2,587.50.
For third-party liability claims, the fixed excess is £250 and there's no variable excess (dog insurance only).
