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PRICING
& PAYMENTS
Pricing:
Some of our routine operations have a set price (like TPLO
surgery). However in a lot of cases only an estimated price
can be given based on your pet’s clinical history. A
more precise estimate can only be given to you by one of our
veterinary surgeons once we have examined your pet during
the initial consultation. At this stage costs of diagnostic
work-up and possible treatment will be discussed with you.
Payment options:
Payment is due at the time of the consultation or on collection
of your pet. Cash, cheques and major credit/debit cards are
accepted. Please note that further fees will be charged for
repeat consultations and check-ups. We do not provide payment
plans but we can put you in contact with an external finance
company which can provide a payment plan for you. This has
to be organised prior to further diagnostic workup and treatment
of your pet.
PET
INSURANCE:
Please
notify your pet insurance that you have been referred as this
is required with most insurance policies. At the same time,
check if there are any exclusions on your pet’s policy,
the policy excess and the maximum level of cover.
Normal insurance claims:
There are two ways of using your pet insurance for claiming
veterinary fees. You as the policy holder will have to reclaim
the veterinary fees from your insurance company. The standard
procedure is that you pay us in full at the time of the consultation
or on collection of your pet. You have to hand in an insurance
claim form which is filled in and signed where appropriate.
Please make sure that you bring in a signed and completed
insurance claim form for each visit to Wear Referrals. Call
us if we can be of assistance with your pet’s insurance.
Direct insurance claims:
A direct insurance claim is when Wear Referrals claims the
incurred veterinary fees directly from your insurance company.
We do not routinely make direct claims from insurance companies.
However, they can be arranged with some of the insurance companies
under certain circumstances. This needs to be discussed with
us prior to your first appointment or after the initial consultation
but prior to further diagnostic work-up and treatment of your
pet. Direct claims cannot be requested at the time of collection
of your pet, after treatment has already been given.
Note:
Only Wear Referrals can authorise a direct claim for work
to be carried out at Wear Referrals. Your own veterinary practice
cannot authorise a direct claim on our behalf!
It costs
Wear referrals a significant amount of time to handle a pre-authorisation.
This and the fact that it can take 2-7 working days before
the insurance company approves the pre-authorisation can cause
a significant delay in the treatment of your pet. We require
that a signed claim form is provided by you on each occasion
that a direct claim is made, at the time of treatment. A direct
claim cannot be made by sending us a claim form after your
pet has been seen.
Note:
It is your responsibility as the policy holder to check if
a request for a direct claim has been pre-authorised by your
insurance company.
Insurance
policy excess:
The insurance policy excess is the amount of the bill that
your Insurance Company will not settle and which you must
pay. The excess can be a fixed amount, a percentage of the
bill or a combination of both a fixed amount and a percentage.
At the time of making the first direct claim, we ask for a
down-payment of any excess specified on your insurance policy
regardless of whether you believe that this may already have
been paid e.g. at your own vets - any overpayment will be
promptly refunded. It is important to understand that
insurance policies which involve an excess (which is a percentage
of the bill) can result in a significant sum which needs to
be paid directly to us by you. Please note that any shortfall
in the cost of treatment which is not covered by your insurance
company will be payable to us by you.
Important
Note:
Charges incurred during each visit are payable at the time
of that visit (cash, cheque, credit card, debit card). A signed
insurance claim form needs to be handed in cases of a pre-authorised
claim by Wear Referrals. Please read our client information
leaflet on making a Direct Insurance Claim: CLICK
HERE TO DOWNLOAD LEAFLET PDF.
It
is the owner’s responsibility to check the progress
of any submitted claim regardless whether it is a normal insurance
claim or a direct pre-authorised claim.
CLICK HERE TO DOWNLOAD
THIS PAGE AS A PDF |
