Travel Insurance Terms Explained
 

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Excess

This is the amount you might have to pay if you make a claim e.g. if the policy has £75 excess on medical expenses, this means that you have to pay the first £75 of your medical bills, before the insurer pays the rest. Read the small print guys as some insurers can be a bit sneaky here. Many aspects of your policy will include an excess, so find out (a) if there is one and (b) how much it is.