Excess
Most veterinary fees and third party liability policy sections have an amount of money you pay towards the cost of the claim, called the excess.
Excesses on veterinary fees can vary considerably so it is important to check how much these are and how they are applied. Usually excesses apply to the cost of treatment of each illness or injury, some apply once and others apply to the treatment received each year.
The cost of insurance
The cost of pet insurance, called the premium, depends on the type of policy you chose, where you live, the breed of your pet, if it is male or female, and age. The amount vets charge for treatment can also impact premiums. Generally in towns and cities vets’ charges can be higher than in rural areas and premiums reflect this. Claims costs have risen in recent years due to the advancement, complexity and increased number of treatments available to owners with pet insurance.