How much is my excess?

March 3, 2026

At Napo, we have a £99 standard excess for vet fees. It applies once per condition, per policy year.

You can check if you have a different excess by clicking "Full cover details" on your policy.

How does excess work?

Your excess applies to all vet fee claims including behavioural, complementary, or dental treatment.

For example, if you make 10 different claims for diabetes in a single policy year then you’ll only pay your excess once, not 10 times. Once your policy renews, the excess will apply to the same condition again and will be deducted from your initial claim.

There are three other scenarios where you may need to pay more:

• When your pet turns 9 years old, you’ll also contribute 20% of each accepted vet fee claim including complementary, behavioural, or dental treatment after your excess has been deducted. This is our senior pet co-pay.

• If you choose to add voluntary co-pay to your policy for a pet under 9, you’ll contribute 20% of any vet fees including complementary, behavioural, or dental treatment after your excess has been deducted.

• With third-party liability cover (dogs only), you’ll need to pay a £250 excess.

If you claim for anything other than vet fees or third-party liability there is no excess to pay.