You will have been given an estimate of costs upon us arranging your pet’s referral. A full price list is also available below.

Our payment terms are that this amount is payable- in full – at the time of treatment.

This means you are required to pay when you attend with your pet. We may request 50% of your estimated cost at admission of your pet, and the remainder to be paid upon collection.

We accept cash, BACS and all major debit & credit cards.

We are unable to offer payment plans.

For insured pets, if you wish for us to assist your claim, please bring with you your policy details (name of policy holder, address, animal details on record, policy number) and a signed claim form also. We can submit the claim form on your behalf and the insurers will reimburse you directly.

Direct Claims

Occasionally, it is appropriate for a direct claim to be organised. This is only considered for estimates over £500. The process is time-consuming and may delay surgery or treatment for your pet.

• Direct claims must be arranged in advance, prior to your appointment.

Many insurance companies have moved to digital claim forms/links HOWEVER a number still require physical paper copies signed by you as the policy holder AND the vet responsible for your pet’s care. It is your responsibility to enquire with your insurer how the claim will be actioned, and then facilitate this. If they require a physical claim form and you do not arrange this prior to treatment, the direct claim will not go ahead, and you will instead have to pay the bill in full. N.B. We can print forms for you if you have the digital copy and no access to a printer, you just need to let us know you require this, please email us the form you need to be printed.

If the insurers specify you must instigate a link to claim, please ensure you do so in a prompt manner to reduce delays in the process.

To be able to organise a direct claim, we require the insurance provider to offer a pre-authorisation service. Please note, not all providers do so.

You will need to grant permission to your insurance company to share the details of your policy with us at Bay Vets Referrals.

• We charge a non-refundable administration fee of £29.40 (most insurance companies will not cover this; you will be liable for the charge).
• According to your policy, you will still be required to pay your excess, any co-payments and all costs associated with any excluded treatments or those exceeding any limits applied to your policy by the insurers.
• Should the insurance provider decline the claim, you are responsible – in full – for the costs. Upon signing the consent form, you accept liability for all costs associated with your pet’s treatment.
• If it appears unlikely that your insurance policy will cover the claim, we reserve the right to decline to organise a direct claim.