As with premium increases, inflation is a big factor in excess increase. That’s not just the % of inflation across the country, but also predictions for the increasing costs of vet treatments.

That’s separate from the fact that, on average, veterinary costs increase between 5-20% every year due to pets ageing.

By increasing our excess charge, it can help us to avoid increasing premium prices too much each year. Premiums will still increase, but at a lower rate than if we didn’t have the excess change.

Because you pay excess just once per condition per policy year, the increased price will be paid less often than if we had even higher premiums or additional co-pays.

We know claiming comes at tough times. And we don’t want a high excess to put you off from making a claim. And we hope our free pet services will help prevent the need to claim in the first place, so your pet stays healthier 💙, and your wallet too.