At Napo, we have three excess options available: £99, £199 and £249. We deduct the excess once per condition, per policy year.
The £199 and £249 excess options are only available for any new policies quoted or any renewal quotes issued on or after 12th November 2026.
You can check your excess amount 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.
For 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.
Other scenarios where you may need to pay more:
When your pet turns 9 years old, you’ll contribute 20% of each accepted vet fee claim including complementary, behavioural, or dental treatment after your excess has been deducted. This is our senior pet co-pay.
If you choose to add voluntary co-pay to your policy for a pet under 9, you’ll contribute 20% of any vet fees including complementary, behavioural, or dental treatment after your excess has been deducted. Voluntary co-pay is only available for policies with £99 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.