Your excess doesn't automatically increase as your pet gets older, with one exception.
The age 9 minimum
Once your pet reaches 9 years old, a minimum excess of £99 applies from your first policy taken out or renewed after their 9th birthday. If your chosen excess is already £99 or higher, this won't affect you at all.
Is there an exception?
Yes. This minimum doesn't apply if your pet has been insured with us continuously for 3 years or more immediately before the renewal that follows their 9th birthday.
What about co-payment?
The same age-9 trigger also brings in a minimum co-payment of 25%, if your current co-payment is set below that. The same 3-year exception applies here too.