Payment for Your Pet's Treatment

Payment

Insured Pets

We encourage you to contact your insurance provider prior to your appointment to get an understanding of your cover and any policy exclusions. Some insurance companies also cap the amount they will pay for routine treatments.

Some insurance companies require a pre-authorisation prior to treatment, or you may wish the reassurance that a pre-authorisation is in place. We will complete these for you and there is no additional fee for doing so.

We are happy to submit direct claims (see below) if your pet is insured with certain insurance companies. A direct claim is where we submit the claim to your insurer and settlement is then made directly to Veterinary Specialists Scotland.

If there is an outstanding amount left on the account after the insurance company have paid, it is your responsibility to make a final payment directly to us.

Our financial contract is with you, and not the insurer, so please be aware that you are liable for any fees not settled by the insurance company (e.g policy excesses or excluded conditions) or where the level of cover has been exceeded.

Referral Vet Network (RSA)

Some insurance companies (e.g. Tesco, Marks & Spencer, Argos, More Than) are part of a referral vet network and direct their policy holders to use specific referral centres which are signed up to this scheme. If clients do not use a preferred centre, they may be penalised by £200 in relation to a pet’s first appointment at a non preferred referral centre.

If a direct claim of over £250 is processed with Veterinary Specialists Scotland and the insurer deducts a £200 referral fee from your settlement, then it is our policy to refund this to your account.  In the case of a non-direct claim of over £250 you will need to submit evidence of the referral deduction via insurance@vetscotland.co.uk for a refund to be applied your account.

For treatment under £250, payment is expected at the time of your appointment and an in-direct claim can be submitted to your insurers on your behalf.  It is our policy for claims of under £250 that we do not refund the £200 referral fee if your insurers deduct this from your claim. 

Submitting a Direct Claim

Use of this service must be requested at the time of booking your initial appointment to allow us to confirm that your insurance company is one that we have approved for direct claims. If we are submitting a direct claim with your insurance company you will be asked to;

  • Leave a signed claim form with us. If your insurers do not deal with paper claims forms, please contact your insurers for advice on how a claim should be submitted to them.
  • Provide a valid policy schedule detailing the level of cover and any deductions for which you are liable
  • Pay a minimum deposit of £250 or any variable excesses according to your individual policy
  • Sign a direct claim agreement
  • Ensure your insurer has permission to speak to us directly about your claim

We do not charge an administration fee for this service.

Submitting a Non Direct Claim

If your pet is insured with a company that we do not deal directly with, we will ask you to:

  • Leave a signed claim form with us. If your insurers do not deal with paper claim forms, please contact your insurers for advice on how a claim should be submitted to them.
  • Make payment in full for the treatment your pet has received
  • If we admit your pet to the hospital, we will require a deposit of 50% of the upper estimate with the balance payable when your pet leaves the hospital

We will then send the completed claim form to your insurance company when all reports and results are finalised, for them to make payment directly to you.

We do not charge an administration fee for this service.

Non-insured Pets

If your pet is not insured we will require payment for the consultation fee and any medication given after your appointment. If we admit your pet to the hospital, we will require a deposit of 50% of the upper estimate of the cost of treatment. The remainder of the balance is payable when your pet is due to go home.


Methods of Payment

Payment is expected in full when your pet goes home. We accept cash, debit and most major credit cards. Due to COVID-19, our current preference is card payment. Unfortunately we do not accept American Express or personal cheques.

Refunds

If your account is in credit following settlement from the insurance company, we will refund you the balance.