Travel Insurance Policy Excess

Yes, an excess is payable per claim. So if you make 2 claims, 2 sets of excesses will be deducted from the respective claims payments.

It depends. If the events are related then it’s one claim (i.e. you miss a flight and as a result need to cancel accommodation and tours – that would be one claim). If the events aren’t related, then it’s multiple claims (i.e. you miss a flight on one leg, few days later need medical treatment for gastro and on the way home your luggage is lost or damaged – those 3 separate events would require 3 separate claims).