Pet Insurance Definition of Excess

A comparison of the term "Excess" in pet insurance policies.

Animal Friends Insurance:

"means the amount shown in the Schedule that is deducted from Your benefit for each Illness or Accidental Injury Condition treated during the Policy Year that is not related to any other Illness or Accidental Injury Condition treated during the same Policy Year."

Argos:

"The amount You are required to pay as the first part of certain claims made under the Policy."

Aviva:

No definition of "Excess" in the policy document we used.

Homebase:

"The amount You are required to pay for claims made under Your policy, as detailed in Your policy schedule."

PDSA:

"The amount You are required to pay on the first part of certain claims made under the Policy."

Petpals Direct:

"The amount you must pay for each unrelated injury or illness treated during each period of insurance as shown on your schedule."

Petplan:

"The amount shown on your Certificate of Insurance Animal Details. This is the first part of each unrelated claim and the amount you have to pay.
For Veterinary Fees and Complementary Treatment this will either be

b) A fixed amount and a percentage amount will be shown if you have chosen the Pet Share option or your pet is 10 years old or over (7 years old or over for Select breeds and rabbits). The fixed amount will be deducted as explained in a) above. In addition, you must also pay a percentage of all treatment costs. The percentage is shown on your Certificate of Insurance Animal Details. This will be deducted from all claims submitted and will be calculated on the amount left after the fixed amount has been deducted."