Deductible and excess - two ways of saying the same thing

When I was in the UK recently, I was reminded of one of the many different word meanings between the American and British language - yes, they are different languages!

In this case, my brain was buzzing at the disconnect in the two words used to define the same thing. In American - deductible. In British - excess. They are supposed to mean the same thing but in my mind, they should mean the opposite and that really bothers me.

What do I mean?

A deductible defines itself - it's the amount that is deducted from the vet bill to get to the amount the insurance company will pay you.

The excess seems to me to be the opposite - the amount that is above, or in excess of, what is deducted from the total bill. i.e. the amount the insurance company pays you. But that's not what excess means. It is just a different word for deductible in the UK.

So to my British readers - can any of you out there help me understand the word "excess" please?

P.S. Since this is rather an unexciting topic of discussion, I thought I'd distract you with one of my most favorite pictures. Evie sent me this picture of mom and kitten she took. I thought Barnes looked like a rag doll cat but Evie has the real thing at her small cattery in Oklahoma, OKittyHoma.

You are warned though - be careful looking at the pictures, Evie says they have kittens and you might just want one after looking at them. She also has some rag doll cats to be adopted too, so something for any cat lover.

And no, I get nothing for bringing Evie to your attention, I just love her attitude and warmth.

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