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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%](https://storage.crisp.chat/users/helpdesk/website/-/5/a/4/d/5a4d3ec64f668c00/image_ormmuq.png)


###### 💡 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](https://blog.simpego.ch/en/pet-en/deductible-excess-pet-insurance-dog-cat/) in our blog, [here](https://blog.simpego.ch/en/pet-en/deductible-excess-pet-insurance-dog-cat/).


![Your excess / co-pay = 0%](https://storage.crisp.chat/users/helpdesk/website/-/5/a/4/d/5a4d3ec64f668c00/image_1pdclqv.png)


#Petinsurance
#Excess
#Deductible