An excess of £100 is deducted from your benefit for each individual illness or accidental injury treated.
For pets over six-years-old an additional 20% will be deducted for Veterinary Fees, Complimentary Medicine, Cruciate Ligament Damage, Special Diet and Dentistry (where these are covered) for each claim payment. This amount will be deducted from the claims settlement.
Here's an example calculation for the amount you'll pay in the event of a claim for pets over six-years-old:
If a valid claim arises for veterinary fees totalling £400
The amount claimed = £400
Minus the fixed excess of £100 = £300
Minus the variable excess of 20% (£60) = £240
Total excess paid by you (£100 + £60) = £160
Total paid by us = £240
A £250 excess applies once per claim for Third Party Liability cover (dogs only).