Payment & Finance at Kowhai Vet
Payment & Finance
We know how much your pet’s health and happiness mean to you. Unlike human healthcare, there’s no public system for animals—so pet owners cover the cost of veterinary care. We aim to be transparent about treatment costs and will discuss estimates before we proceed. If affordability is a concern, please talk to us before treatment begins.
Payment Options
- Cash
- EFTPOS
- Credit Card (excluding AMEX)
Finance & Payment Plans
VetCare Finance
- Loans from $500–$15,000
- Quick application (~5 minutes); pre-approval within 12 hours
- No deposit; up to 24 months to repay
- Funds paid directly to our clinic
PetFunders Loan
- Loans from $700–$10,000
- Repayment terms of 3, 6, 9, or 12 months
- Funds paid directly to our clinic
Afterpay
- Split costs into smaller, interest-free payments
- Simple sign-up and instant decision
Pet Insurance & Direct Claims
Pet insurance can provide peace of mind by covering unexpected costs. We can submit claims directly to your insurer when:
- You sign a claim form authorising us to act on your behalf
- You agree to pay any balance not covered by insurance (e.g., co-pays or declined amounts)
Southern Cross Easy-Claim
We accept Southern Cross Pet Insurance Easy-Claim, allowing us to claim directly in-clinic so you only pay what isn’t covered.
Southern Cross Easy-Claim →Transparency & Estimates
We’ll discuss expected costs and provide estimates before proceeding wherever possible.
Pre-payment Policy
We don’t accept advance “rainy day” deposits to our bank account. Instead, we recommend pet insurance, Afterpay, PetFunders, or VetCare Finance.
Note: Finance approvals are subject to provider criteria and responsible lending checks. Terms and fees may apply—please review the provider’s terms.