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Pet Insurance Excess Explained

Current-document note

No premium, limit, benefit, waiting period or provider ranking on this page should be treated as current. Use the latest PDS, policy schedule and a personalised quote.

Last updated: June 11, 2026

Premiums and fees are not confirmed here. Request a current personalised quote for the same pet and cover settings, then compare the full annual total.

How Excess Affects Your Premium

FieldCurrent source to check
Premium and feesPersonalised quote for the same pet and settings
Limits and benefit calculationCurrent PDS and policy schedule
Waiting periods and eligibilityCurrent PDS and provider confirmation
Exclusions and pre-existing conditionsCurrent PDS definitions and policy schedule
Claims, cancellation and renewalCurrent provider process and policy terms

Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.

The Two Types of Excess

Fixed Excess

Premiums and fees are not confirmed here. Request a current personalised quote for the same pet and cover settings, then compare the full annual total.

Percentage Excess

Confirm current limits, sub-limits, benefit calculations, excess, co-payment, waiting periods, eligibility and exclusions in the provider’s current PDS, policy schedule and personalised quote.

Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.

Related Guides

How to Claim

Step-by-step claims process

Waiting Periods

Know the deadlines before you claim

Pre-existing Conditions

Confirm the relevant limit, benefit, excess, waiting period, eligibility rule and exclusion in the provider's current PDS, policy schedule and personalised quote.

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