An excess is an out-of-pocket amount you contribute towards the cost of your claim(s), as shown on your certificate of insurance. The excess is calculated on a ‘per condition, per policy period’ basis. The excess will be deducted from your calculated claim benefits after we apply any benefit limit, sub-limit (if any), extra care limit (where applicable) and the benefit percentage to your claimed amount.
Please note, unless your vet uses GapOnly,  you will need to pay the full amount for treatment upfront to the vet before seeking claims reimbursement for the eligible expenses. Additionally, you can only claim up to the annual benefit limit of your policy.ꭥ  Vet expenses incurred over one year that exceed the annual limit of your policy will need to be paid in full. Please see your Product Disclosure Statement for more information.