Learn what insurance words actually mean using plain English, visual examples and real-life scenarios. Explanations first — definitions second.
The fixed amount you pay before the insurer pays anything.
A percentage of every claim that you contribute after the excess.
The policy renews its full vet-fee limit every year, for life.
A short window at the start of a policy before claims are paid.
Anything your pet showed signs of before the policy started.
The most the insurer will pay for treatment in a year (or condition).
How you get the insurer to pay for treatment.
A condition affecting both sides of the body — treated as one.
A per-condition budget that never resets — until it's used up.
Your policy year restarts — usually with a new price.
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