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What is the Excess on My Travel Insurance Policy?
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You instantly save money on your policy, keeping in mind that should you need to make a claim you will need to cover a bit more of the cost related to the incident you are claiming. You are basically taking more of a risk in order to save guaranteed money upfront.
Excess Mana
You should always only select an excess amount that you are willing or able to afford should you need to make a claim. This means in the event you need to file an eligible claim, you will pay nothing and your insurer will cover the entirety of your expenses for an accepted claim. You will pay a bit more for your policy by choosing this option but it may prove beneficial should you need to file a claim. You may wonder when you will have to pay your excess amount in the event you make a claim.
What is an excess?
You may be asked to pay the excess amount before they pay the remainder of the claim or they may simply deduct the amount from the claim they are paying you for. When looking at excess options, think in terms of value for money.
You may not want to pay a high excess amount that covers you for an event which has a small claim value such as lost luggage. On the flip side, with things like trip cancelation or medical cover, your claim value may be exponentially greater than your excess.