I have recently done extensive research covering most pet insurance policies in the UK. The excesses you mention are indeed very steep!! Not sure I have found another one that steep but have admit I have not come across Paws Pet Insurance. Most 12 month policies only charge the excess once per condition. However Animal Friends is an exception to this... their policy says "you are responsible for either the first £69 or the first £99 of each claim per condition per policy year depending on the excess level you have selected. If your insurers did not make it clear when you purchased the policy (either in their Key Facts document or Policy Document) that you would have to pay the excess in each policy year then I suspect you might have a good case with the ombudsman as this is not generally the norm for this type of policy.