A travel insurance excess is the amount you have to pay towards, or that is deducted from, the overall cost of an insurance claim.
What this article helps you do
This article explains how an excess works and why the amount can differ depending on the cover you are claiming under.
How does an excess work?
Some sections of your travel insurance policy have an excess.
If an excess applies to your claim, you are responsible for that amount and it will normally be deducted from the amount considered under the claim.
The excess can vary depending on:
- the section of the policy you are claiming under
- the level of cover you have
- whether that particular benefit has an excess
Some benefits have no excess.
Does the excess apply to each person?
Where stated in your policy, an excess can apply per incident and to each insured person.
Some sections may apply an excess differently, so check the Summary of Cover for the benefit you are claiming under.
How do I find my excess?
Your policy documents show the excess that applies to each section of cover.
Read your policy documents to check the excess that applies to your policy and the benefit you are claiming under.
Eligibility, terms and exclusions apply. Please refer to your policy documents for full details.
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