An Insurance Question - excess payment

[Gorgeous George]

George has just been diagnosed with a dust allergy / early RAO and at the moment it is thankfully very mild, which the vet is hopeful it can be managed without drugs. He has just had a course of anti bs (just in case it was an infection) and ventipulmin, I have put in a claim as the bill was over my excess and I have of course paid my excess. I am fully expecting to need further investigations as the vet was talking about scoping him, and the possibility of him needing inhalers

So here is the stupid question, if it is all connected to the same problem do I have to pay an excess each time I claim, or just the excess that I have just paid? I do realise that I can only claim for a year, before they include this problem.

Thanks

 

[MiCsarah]

Just the excess that you have just paid

 

[knightsbridge]

its depends if you have a fixed excess or a percentage excess. If its fixed then you wont pay anymore however if you have say a £250 or 17% excess, you will initially pay the £250 and if the total amount you are claiming goes over the point where 17% is more than £250 they will then start deducting a percentage.

i ,e £3000 the amount you are claiming, multiplied by 17% = excess of £510

So if you send in a total claim for £3000 in one go they will immediately deduct £510 however if you send in £700 invoice they will deduct £250 and then later on you submit another for £2300 they will then deduct a further £260.

hope this makes sense.

 

[Gorgeous George]

Hi, that's great thank you. I have a fixed excess, not a % one so easy now I know the answer