How Do Direct-to-Vet Payments Work?

We know vet bills can add up quickly, and the Pay the Vet Direct option can help by paying your vet directly, so you don’t have to cover the full cost upfront for eligible claims.

Please note, a Pre-Existing Symptom and Condition Assessment generally needs to have been completed for your Policy in order for us to consider a direct-to-vet payment on your Policy.

If your pet is unexpectedly hospitalised or requires surgery and/or you have an estimate of costs for treatment, please contact us.

How it works

If we have advised a direct-to-vet payment may be applicable, here’s how it works:

  1. You, your vet and Petsy agree to it – We’ll need written confirmation from both you and your vet clinic that they will accept direct payment from us. This includes your request and the clinic’s payment details (eg. their bank account details).
  2. We assess the estimate of costs – Once confirmations are in from you and your clinic, we review the pre-approval based on your pet’s medical history and policy details, and update you on the amount we estimate will be payable under the Policy.
  3. Once the procedure or treatment is completed, you or the clinic send us the finalised invoice and updated clinical history, and we assess the final costs. If previously arranged, we can pay the applicable benefit payment directly to your vet clinic.
  4. You cover any Co-payment (gap) payment – the amount not covered by your policy (the “Co-Payment”) will need to paid by you to your veterinarian.

 

This option helps reduce your upfront costs and makes the process easier for you and your vet for eligible claims.

If you’d like to request for us to pay your vet directly, please contact us at [email protected]

Benefits of direct to vet payments

Frequently asked questions

If your vet doesn’t accept direct payments, then we need to process your invoice in accordance with our normal claim process. This means you’ll need to pay for the bill upfront, and submit a claim for reimbursement of approved costs.

We can process your claim as quickly as possible, if a pre-existing symptom and condition assessment was completed and we’ve already collected your pet’s full medical history.

  1. Submit your request – When submitting an estimate for a pre-approval , ask if a direct-to-vet payment may be possible.
  2. Provide required documents – Include estimates and any other necessary paperwork.
  3. Vet confirmation – We’ll check with your vet to ensure they accept direct payments.
  4. Payment processed – If approved, we’ll pay the vet directly, once any gap payment has been settled by you.

Once we have all the required information we will assess the finalised invoice as a priority. This can typically be within 1-2 business days, however in some instances may be sooner provided we have the Vet’s bank details.

No. Your policy covers 80% or 90% of eligible vet costs, depending on your chosen plan and any annual excess that may apply. Any exclusions and the remaining balance (gap /co-payment) will need to be covered by you.

Specified Conditions includes:

  • Cruciate ligament damage
  • Intervertebral disc disease
  • Hip dysplasia
  • Patella luxation
  • Elbow dysplasia
  • Cherry eye
  • Entropion
  • Ectropion,
  • Osteochondritis dissecans (‘OCD’)
  • Lumps

Lumps means the protuberance or localised area of swelling or unusual growth that can occur anywhere on or in the body including tumours, warts, cysts, growths, mucoceles, haematomas and abscesses.

You can apply to reduce the 6-month exclusion period for Specified Conditions by using our request for Waiver Form. Simply take this form to your next vet visit and submit the completed form back to [email protected] within 14 days of the visit.

Optional Extra Benefits

During the application process You will be provided with the option to include Optional Extra Benefits that cover certain conditions and Treatments which are not otherwise covered under the Policy.

The Optional Extra Benefits are:

Alternative Therapies, Behavioural Problems, and Dental Illness.

Examples of Alternative Therapies: Acupuncture, physiotherapy, hydrotherapy.

Examples of Behavioural Problems: Excessive licking, fur pulling, pacing and destructive chewing.

Examples of Dental Illnesses: Dental diseases, gingivitis, periodontal disease.