20% of claim excess (at age 9+)... How does it work?

Tunstallstoven

Hi folks

I'm at renewal stage for my dog insurance with ManyPets.  She's now 9+ years so the 20% of claim excess has kicked in.  I'm just trying to get my head round it and wondered if anyone could tell me how it works please? 

With a £7,000 limit on the policy - and an example claim that racks up to £10,000 in total - would the 20% excess be within the £7,000 total, or over and above it?  For example, if a claim were to be made and accepted and to reach £10,000 in total, which of these scenarios would be right (ignoring the smaller excess for the moment to make things easier):

a) Insurer covers £7,000 of the claim (100% of the policy limit).  We cover £2,000 of the claim (20% of the total claim of £10,000).  And we also cover the remaining £1,000 left to pay.

b) Insurer covers £5,600 of the claim (80% of the policy limit).  We cover £1,600 of the claim (20% of the policy limit of £7,000).  And we also cover the remaining £3,000 left to pay.      

c) Insurer covers £5,000 of the claim.  We cover £2,000 of the claim (20% of the total claim of £10,000).  And we also cover the remaining £3,000 left to pay.

Hope that's not too confusing!  I had to read it a couple of times, and I'm the one who wrote it!  

Many thanks

  

SensibleSarah

Pet insurance is made to be confusing IMO! 
I've only had to make one claim on an older pet with a 20% co-payment (and not with the same provider as you), and that fell within her policy limit so I don't have direct experience but my understanding of it is that anything above the policy limit doesn't factor in at all so your option B would be correct. 
In my experience with every insurance provider I've had, there is the standard excess for the policy, lets call it £100, and then the 20% co-payment on top though - which is totally separate to the standard excess. So taking your example, it would be:

b) Insurer covers £5,500 of the claim (80% of the policy limit - minus your £100 standard excess).  You cover £1,700 of the claim (20% of the policy limit of £7,000, plus your £100 standard excess).  And you also cover the remaining £3,000 left to pay that is above the policy limit.  

KxMx

I went through this a few years ago, B is correct. 

Tunstallstoven

Thank you both for confirming, much appreciated.