Its like all insurance with an excess. You pay the first $200 and then insurance will cover the rest. If you have 1 injury that needs repeated treatment (like a serious wound), you only pay the $200 once and Petplan cover the rest from their on.
I guess its so you don't claim a $50 treatment from them... not that it is normally that cheap! But finding $200 is a lot easier than finding $10,000!
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