I can't understand why they don't have an excess buster...

Pet insurance - I have been with Outsurance Pet insurance since my babies were puppies. They are 8 years old now. While I never had any issues before and payouts were really quick (like one payout was within 15 minutes of my claim submission), I have two really irritating things to complain about.

One - they called me the other day to tell me that they are discontinuing the Routine Care on all plans. No valid reason. Just that it will be removed from my plan the next month. Now, I am pedantic about routine care and making sure I get my pets their vaccinations and check ups each year. This can cost me R1500 in total for two large dogs. I don't have this kind of money laying around in one month. I re**** on this policy feature to make sure that my pets were up to date with their care....now I must fork out this amount.

Two - the excess on claims is EXCESSIVE!! R300 for a vet visit/illness *** for an accident claim????? ***??! No excess buster of any sort. So, they're clearly making money off of the excess of the claims. My dog had a small soft tissue injury which cost R700 and something rand. I claimed for it and was told it's null and void because the EXCESS was MORE than the claim amount!! Hahahahaha!!! Have you ever?!? I don't mind paying a R200 excess for a claim....but R800?????? Are you joking??? Money making **** right there. Calling around for quotes now because they might be one of the best insurers out there with low premiums and fast payouts, but this excess story is quite absurd. Come on Outsurance, work out an excess buster because I will gladly pay towards that every month than fork out R800 for excess on a claim at one time...especially during the end of the month when money is tight.