An excess is a compulsory contribution you are required to pay towards the cost of your pets treatment you are claiming for and applies to each separate illness or injury (condition), per policy year. If your claim is accepted, the excess will be deducted from any settlement amount we pay to either you or your vet.
A co-payment is what you have chosen to include when purchasing a new policy, or at renewal stage as a contribution towards the cost of your pets treatment should you ever need to claim. It is applicable to every claim you make and is calculated as a percentage (chosen by you when purchasing or renewing your policy) of your claim after other deductions.