Yes, you will pay an excess (contribution) on your claims. The amount will depend on which contribution level you chose when you took out the policy - either £100, £150 or £250.
Once your pet reaches a certain age (see the age limit FAQ), your contribution will change to your chosen amount or 20% of the remaining claim amount, whichever is more. Let's clarify this with an example: If you submit a claim for £1000 and your chosen claim contribution is £100, you'll need to pay 20% of the claim amount. That means the total you'll be paying is £200.