Excess is your contribution to the claim and is being deducted at the claim stage, this is simply to help us keep the costs of our policies down.
At Napo, we have a £99 excess per condition, per policy year (for vet fees only which includes complementary, behavioural and dental conditions).
You will pay your excess from your claim payment, not your policy cover limit so there are no surprises when it comes to your overall cover balance after you claim.
If you claim for anything other than vet fees or Third-party liability there is no excess to pay e.g. travel and quarantine fees.
For example: if your pet injured their leg and you needed to claim for the treatment, we would deduct the £99 excess from the cost and we would reimburse you the remaining costs. If your pet needed a follow-up consultation for within the same policy year, you wouldn't pay any further excess and we would cover the full costs.
If a few months later they had a stomach bug and needed a consultation and medication for this, you would pay the £99 excess again as this is a new condition.
We also have a separate excess for third-party liability cover, that’s when you’ll need to pay a £250 excess (dogs only).