MAKING A CLAIM

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* Excess - is an amount set by your insurance policy that you have to contribute towards the balance owed.  This can vary depending on company and individual policy.  It is usually per condition and per policy year.  This means that if you make several claims for the same condition within a policy-year, then you should only have to pay the excess ONCE.

** Co-Payment - is generally a personal percentage contribution to the outstanding amount (after the excess has been deducted) that will not be covered by the insurance company.  This amount may vary depending on the type of policy and age of the pet.