Yes there is an excess you will need to pay in respect of each illness or injury for which you wish to claim each year. The amount is based upon the type of pet and their age at the time of treatment.
Cats
Under 8 years you must pay the first £85 of a veterinary fees claim for each condition arising per period of insurance.
Over 8 years at the date of treatment this increases to £95 plus 15% of the remaining cost of treatment per condition per period of insurance.
Dogs
Under 8 years you must pay the first £100 of a veterinary fees claim for each condition arising per period of insurance.
Over 8 years at the date of treatment this increases to £110 plus 15% of the remaining cost of treatment per condition per period of insurance.