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.

1. Condition excess: is the fixed amount you pay as part of your contribution towards a claim. You only pay once per condition, while their plan remains active. For example, a cruciate rupture with subsequent arthritis in the knee would be one condition with one excess.

2. 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.

3. 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, remaining cover percentage, non-covered items, and amounts over your limit. If you’ve paid the vet already, we’ll reimburse you our share of the treatment costs. 💵

For more details and examples, check our PDS.