When it comes to pet insurance, we aim to make your life easier. So, you can focus on what truly matters: spending quality time with your furry family members. One of the most common questions we receive is about excess on pet insurance claims. To help you, we’ve compiled this simple guide.

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What is Excess in Pet Insurance?

Excess is a standard part of all short-term insurance policies, including pet insurance. It refers to the portion of a claim that you, as the policyholder, must pay before your insurer covers the remaining amount.

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Your Pet Insurance Excess

Depending on your plan, the basic excess options at dotsure.co.za apply as follows:

  • 10% of the claim amount; minimum R200 (default option)
  • 20% of the claim amount; minimum R200

Important Notes:

  • Basic excess does not apply to illness-related claims on the Vital Plan, as this plan covers 50% of the claim amount.
  • No excess applies to Wellness Benefit claims, keeping preventive and routine care affordable.

 

Why Do I Have to Pay Excess on Insurance Claims?

Insurance providers use excess to keep policy premiums affordable while ensuring that claims are reasonable. By requiring a small contribution from policyholders, excess helps prevent minor claims and ensures sustainability for pet parents in the long run.

 

Excess Buster

For those who want to reduce excess payments, dotsure.co.za offers the Excess Buster. This optional add-on waives applicable excesses following a valid insurance claim. The premium for this extension depends on your chosen plan, providing extra peace of mind and financial ease.