Due to Dylan having had to be admitted over the weekend last weekend with G.I Stasis (now fully recovered thank goodness) I have made my first claim with his Insurer Petplan. However what confused me (& the Vet!) was the excess which is listed as: '£55 plus 25%' - the question is for the 25% is that worked out on the grand total of the bill or after the £55 has been taken away?!