What is the situation with respect to the excess, deductible and cost sharing?

In principle, pet insurance follows the same logic as your own health insurance. There is therefore a deductible (annual excess) that you define yourself when taking out the insurance. As soon as the insured costs exceed the deductible, 90% of the insured costs will be covered for each insured claim, meaning that you must cover a share of 10% of the costs in each instance.

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