financial aspects of treatment
Brannock veterinary clinic does not offer any form of credit and so all accounts are payable at the time of consultation or surgery. Payment methods that are acceptable are cash and card transactions. Routine healthcare such as vaccinations, worming and flea control can be budgeted for using Brannock’s HealthCare plan.
We fully appreciate that there can be unexpected financial burdens if your pet has an accident or becomes unwell and we advise insurance for your pet to ease this burden. Unpaid accounts will be referred to our debt collection agency and further charges will be levied in respect of the costs incurred in collecting the debt .
This action may affect your future credit rating.
We at Brannock Veterinary Clinic, strongly recommend that your pet is protected by health insurance. Accidents and ill health are by their very nature unpredictable and at this emotional time it is reassuring that if they are covered by health insurance the financial aspect is not an additional burden.
There are many insurance companies offering pet health insurance. It is up to you as the owner to research all the options available and make an informed choice as to what policy will best meet your needs. It is very important to read all of the small print carefully because when you claim the small print can become very important. .In general look for:
- Lifelong cover, maximum benefit cover or 12 month policy
- Examine monthly premiums and excess required in the event of a claim
- Exclusions in the policy
- Level of cover provided
The staff in the surgery are more than willing to discuss this further with you but they cannot recommend a specific company.
As with any insurance policy, you will have to make monthly payments direct to the insurance company whether you claim or not. This is termed the insurance premium. In the event of a claim each policy will have a set amount as an excess.
These figures will vary company to company but will be detailed in your insurance schedule. Once this excess has been reached you will be entitled to reclaim any additional costs. In some cases, Brannock veterinary clinic will allow direct claims. This means that payments would be made by clients up to the value of the excess and on production of proof of current and adequate insurance cover Brannock vet clinic would claim all further costs direct.
This would avoid you being out of pocket in cases of larger claims. It must be stressed that this is a privilege for our longstanding clients and is not a statutory right .Each case will be assessed on its own merits and the situation confirmed before treatment options are investigated.
It is always possible that there will be shortfalls in the payment by the insurance companies or that the claim will be declined (non-payment of premiums, or a pre-existing condition, expired cover) and it is the responsibility of the policy holder to cover this deficit.
Direct claims will not be undertaken if, in our opinion, it is unlikely to be covered by your policy. Submitting a claim does not guarantee that it will be paid and any shortfalls or non payment of a claim must be covered by the owner.