At Napo, we have a £99 standard excess for vet fees. It applies once per condition, per policy year.
You can check if you have a different excess by clicking "Full cover details" on your policy.
How does excess work?
Your excess applies to all vet fee claims including behavioural, complementary, or dental treatment.
Excess example: If you make 10 different claims for diabetes in a single policy year then you’ll only pay your excess once, not 10 times. Once your policy renews, the excess will apply to the same condition again and will be deducted from your initial claim.
There are two other scenarios where you may need to pay more:
If your pet is over 9 years old, you’ll also contribute 20% of any vet fees including complementary, behavioural, or dental treatment on top of your excess.
With third-party liability cover (dogs only), you’ll need to pay a £250 excess.
If you claim for anything other than vet fees or third-party liability there is no excess to pay.