What is my excess, and how does it work?

What is an excess?

An excess is a contribution that you would need to make in the event of a claim. Most insurance policies will have an excess on them, including those in our own range.

Why do I have an excess?

We know excesses can be a pain, but insurers are businesses - excesses are one of the ways in which we can remain profitable so we can continue to offer you good value cover and a quality service.

How much is my excess? 

If you already have a policy with us, you can find the details of your excess in your policy document in My Account.

When do I need to pay my excess?

If you make a successful claim, we will deduct the excess amount from the amount that we pay out to you or your vet. Your vet will then manage any outstanding amounts with you directly.