Whether and how much excess needs to be paid varies depending on the tariff you have chosen: The MAWISTA Expatcare tariff excluding the USA/Canada does not have an excess. The MAWISTA Expatcare tariff including the USA/Canada has an excess of €500 per insurance year. Example of MAWISTA Expatcare including USA/Canada: You submit bills totalling €1,200 within one insurance year. You must pay €500 of this yourself as the excess. The difference of €700 is covered by the insurer. More information on excesses can be found here.