An excess is the amount you have to pay towards any claim you make. For example, if you cancel a trip and are entitled to £3,000 back from your insurer but have a £100 excess, you will only receive £2,900.
However, the excess amount, and if it applies per section, and if it applies per traveller, does vary from insurer to insurer.
For instance, most providers will likely expect you to pay an excess per person. So if the policy was for a couple, and the flight was cancelled – do expect to pay an excess per person.
It is also worth knowing that an excess per section could also apply. An example could be if your suitcase was nicked and your wallet was inside you could have to pay an excess on both.
If you have a group policy you may also have to pay an excess for each person for any loss that impacts your entire party, such as cancellation. It's important to check all excesses so you know exactly what you will have to pay if you make a claim.
Hence why it is always important to check the policy cover so you know what you are getting.