How do pet insurance excesses and contributions work?

When you make a claim, you’ll need to pay an amount towards the claim, called your contribution. This includes your excess, the remaining cover percentage, and any items which your pet’s plan doesn't cover.

Excess: is the fixed amount you pay as part of your contribution towards a claim. You only pay once per condition. For example, a cruciate rupture with subsequent arthritis in the knee would be one condition with one excess.
Cover Percentage: is the amount Fetch covers after the excess is applied. For example, if you claim $1,000 with a $100 excess and 90% cover, you pay $190 ($100 excess + 10% of $900), and Fetch covers $810.
How it works: If your vet allows direct payments, and during opening hours, we can cover the invoice directly with them after you pay your contribution in-app. This includes the excess, cover percentage, non-covered items, and amounts over your limit. If you’ve paid the vet already, we’ll reimburse you. 💵

For more details and examples, check our PDS.