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Saturday 8:30 am - 4:30 pm, Sunday 9:00 am - 1 pm

Cedar Grove Vets

Under normal circumstances, we ask that you pay us at the time of treatment and claim back the funds from the insurance company yourself. It is your responsibility to check with your insurance company about your level of cover, any exclusions you may have and what excess you will need to pay. We will do our best to help with this process, but insurance companies often prefer to deal with the policyholder, and ultimately your bill with us is your responsibility, whether or not you are insured.

Although we do not routinely make direct claims from insurance companies, they can be arranged with certain insurance companies under certain circumstances, provided that you discuss this with us prior to arriving for your appointment, before your initial consultation with the vet and prior to any investigations or treatment being undertaken. Direct claims cannot initially be requested after a consultation or at the time of collection of your pet after treatment has already been given.

Please be aware that direct claims often necessitate quite lengthy preparation which may delay possible investigations and surgery. Direct claims are costly for Cedar Grove to administer and result in a delay in our receipt of payment –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.

At the time of making the first direct claim, we ask for a down-payment of any excess specified on your insurance policy (the excess is the first amount of the bill that your Insurance Company will not settle and which you must pay), 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.

Any anticipated shortfall in the cost of treatment which is not covered by your insurance company will be payable by you to us at the time of making the first direct claim. Any additional shortfall which is owing after the claim has been settled will be payable by you to us at that time.

It is important to appreciate that if, having carried out careful checks with you and your insurers, we decide that we are prepared to undertake a Direct Claim for the treatment for your pet, this is not a guarantee that your insurers will settle your claim, and if they fail to do so, this will result in a shortfall for which you will be liable to pay us in full.

 

Important:
Cedar Grove Veterinary Clinic Ltd reserves the right to decline a request to undertake a Direct Claim if the circumstances suggest that the insurers may not settle the claim.

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