An excess is your contribution to vet fees when we pay for the claim. It helps us keep the cost of your policy down.

At Napo, we have a £99 standard excess* per condition, per policy year (for vet fees only).

With third-party liability cover, you’ll need to pay a £250 excess (dogs only).

If you claim for anything other than vet fees or third-party liability there is no excess to pay.

*You can check if you have a different excess amount by clicking "Full cover details" on your policy.