p>Excess is the initial amount of a claim we don't pay for. Each claim you make will incur an excess or excesses, unless we state in the <a href="/policy-documents#ui-id-13">Product Disclosure Statement</a> that there is no excess payable.</p><p>Depending on your policy you may have up to 3 different types of excesses, however only 1 or 2 may be payable each time you claim. You can find out what excesses may apply to you in the <a href="/policy-documents#ui-id-13">Product Disclosure Statement</a> and in your policy documentation.</p><p>The 3 types of excesses are:</p><p><strong>Base Excess</strong></p><p>Every travel insurance policy has a base excess and it'll apply to all insured events causing a claim, unless we state in the <a href="/policy-documents#ui-id-13">Product Disclosure Statement</a> that there is no excess payable or that other excesses apply.</p><p>During purchase you'll be given the opportunity to choose your base excess amount. Varying your base excess will affect your premium in 1 of 2 ways:</p><ul> <li>reducing the base excess will increase the premium you pay; or &nbsp;&nbsp;&nbsp;</li> <li>increasing the base excess will reduce the premium you pay.</li></ul><p><strong>Medical excess</strong></p><p>If you have a pre-existing medical condition we agree to cover, it may incur a medical excess. Claims arising from your assessed medical conditions will incur your chosen medical excess instead of your chosen base excess. We’ll inform you during the medical assessment if the assessed medical conditions will incur a medical excess.</p><p><strong>Additional excess</strong></p><p>Snow and adventure packs have an additional excess of $500 per pack, which can't be changed or removed. Overseas Medical &amp; Hospital Expenses or Cancellation claims arising from your participation in snow sport or adventure activities will incur a $500 excess in addition to your chosen base excess.</p