An excess is the first amount of any loss that you are responsible for in the event of making a claim. This amount is deducted from the total claim settlement figure.
For Pet insurance, the excess must be paid by you for each illness or injury that is treated during the Policy Year. This illness or injury must not be related to any other Illness or Injury treated during the same Policy Year.
You may also pay a percentage amount on each and every Veterinary Fees claim depending on the age of your pet. This percentage is shown on Your Schedule if it applies.
Our standard policy excess for veterinary fee claims is €100, other voluntary excesses are available. Our standard policy excess for 3rd party property claims is €350. Alternative excesses are also available. No excess applies to 3rd party injury claims, boarding & kennels claims, theft and straying claims, holiday cancellation claims, or death claims. Please refer to your schedule of insurance, policy booklet, or contact us directly if you wish to query these amounts.
One excess will apply for each illness or injury during the same policy year. That means if the treatment for the same condition falls within 2 different policy years you pay an excess for each year.