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Is there a percentage excess for pet insurance?

Whether an excess applies depends on what you chose when you took out the policy.


The options are:

  • 0% excess→ simpego covers 100% of the insured costs after deducting the deductible.
  • 20% excess → simpego covers 80% of the insured costs after deduction of the deductible.


Your excess / co-pay = 20%



💡 Important:

From your pet's 9th birthday, 80% of the costs are automatically covered – i.e. an excess of 20%, regardless of the option you originally chose.


📊 How is this calculated?

Once your annual deductible has been reached, the excess applies:

  • Example: Veterinary costs £500
  • Deductible reached
  • Excess 20% → you pay £100
  • simpego pays £400


💡 Note:

Your deductible applies per insurance year– not per calendar year.


You can find more information about deductible and excess in our blog, here.



Your excess / co-pay = 0%



#Petinsurance

#Excess

#Deductible

Updated on: 23/01/2026