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What’s an excess?
25197The excess is an amount you’ll need to pay when you make a claim.
Accident only
You’ll need to pay one vet fees excess per accident per policy year. If your pet is injured in a new accident, this will start a new claim and you’ll have to pay the excess. If they need more treatment because of the accident, we’ll treat this under the same claim. You won’t need to pay the excess again in that policy year.
If you claim for the same condition over more than one policy year, you’ll have to pay the excess once per year. For example, if your pet needs painkillers for their injuries, you’ll have to pay the vet fees excess shown in your schedule when you make a claim. If they need more painkillers in that policy year, you won’t have to pay another excess. But if they need more after you renew your policy, you’ll have to pay the vet fees excess again.
Time Limited
You’ll need to pay one vet fees excess per policy year for each condition that you claim for. If your pet becomes
ill with a new condition, and you start a new claim, you’ll need to pay the excess. If they need more treatment for the same condition in the same policy year, we’ll treat this under the same claim. You won’t need to pay the excess again for that condition in that policy year.
If you claim for the same condition over more than one policy year, you’ll have to pay the excess once per year. For example, if your pet develops conjunctivitis and needs eye drops, you’ll have to pay the vet fees excess shown in your schedule when you make a claim. If they need more drops in that policy year, you won’t need to pay another excess. But if they need more drops after you renew your policy, you’ll need to pay the vet fees excess again.
Max Benefit
You’ll need to pay one vet fees excess for each condition that you claim for. If your pet becomes ill with a new condition, and you start a new claim, you’ll need to pay the excess. If they need more treatment for the same condition, we’ll treat this under the same claim. You won’t need to pay the excess again for that condition.
Lifetime with an Annual Condition Limit
You’ll need to pay one vet fees excess per policy year for each condition that you claim for. If your pet becomes
ill with a new condition, and you start a new claim, you’ll need to pay the excess. If they need more treatment for the same condition in the same policy year, we’ll treat this under the same claim. You won’t need to pay the excess again for that condition in that policy year.
If you claim for the same condition over more than one policy year, you’ll have to pay the excess once per year. For example, if your pet develops conjunctivitis and needs eye drops, you’ll have to pay the vet fees excess shown in your schedule when you make a claim. If they need more drops in that policy year, you won’t need to pay another excess. But if they need more drops after you renew your policy, you’ll need to pay the vet fees excess again.
Lifetime with an Annual Policy Limit
You’ll need to pay one vet fees excess per policy year.
If you need to make more than one claim for vet fees in the same policy year, you won’t have to pay the excess again. But if you make another claim after you renew your policy, you will have to pay the excess again.
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Most asked
What can I claim for? How long to claim back fees? How can I make a claim? How long to assess a claim? What is Pawtal? How will my claim be paid? Which claim form to use? What’s an excess? What’s a co-payment? When do I have to pay an excess? Can you pay my vet directly? Will my premiums go up if I make a claim? What should I do if I’m unhappy with the outcome of a claim? Can I claim for complementary treatment? How do I check if I am covered for treatment? How do I know that my claim has been received? When do I have to pay a co-payment? How can I check the status of my claim? The Joii app recommends going to an out of hours vet. Why have you not covered this charge? How do I claim online? Why can't I see my claim in the claims history? How do I claim for repeat medication? If I am hospitalised with COVID-19 am I still covered if my pet needs to go into a cattery or kennel?
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