Direct Debit Terms & Conditions

IVC Pet Health Club Terms & Conditions

Welcome to the Pet Health Club from your Veterinary Practice. This contract is between You and Your Veterinary Practice. Your Plan is administered by The Animal Healthcare Company for and on behalf of Your Veterinary Practice. This includes passing the fees on to Your Veterinary Practice on a monthly basis.

The following points make up the terms and conditions of the Contract between You and Your Veterinary Practice. These are very important and we recommend that You read through them carefully at the start of Your Pet’s Plan.

1. Definitions of terms used
Contract means the Plan agreement between You and Your Veterinary Practice which You have signed and which comprises these terms and conditions.
Your Veterinary Practice means the veterinary practice named as the provider of Your Pet’s treatment on the Plan application form.
You means the holder of the Plan who has signed the application form and who is named as the primary contact for the Plan in our records
Your Pet means the animal named on the application form as beneficiary of the Plan
Plan means the pet health plan offered by Your Veterinary Practice that covers specified treatment required to maintain Your Pet’s health
Plan Year means an iterative cycle of twelve consecutive months starting from the beginning of the Contract and any 12 month period thereafter
Your Monthly Plan Fee is the monthly amount charged by Your Veterinary Practice to cover the cost of the treatment provided to Your Pet under the terms of this Contract
The Application Form is the document that is completed by Your Veterinary Practice at the start of the Plan which sets out the Plan category and Monthly Plan Fee
An Approved Practice is a practice owned by Independent Vetcare Ltd

2. Treatment to which Your Pet is entitled
The Contract entitles Your Pet to receive the routine and preventive treatment required to maintain Your Pet’s health as prescribed by Your Veterinary Practice. This includes twice-yearly health assessments, routine vaccinations and regular control of parasites. A full list of inclusions are available from Your Veterinary Practice, which may include any references to discounts on other items of treatment and retail goods. These terms and conditions should be read in conjunction with Your Veterinary Practice’s specific Plan details.

3. Treatment to which Your Pet is not entitled
This Contract is limited to the provision of routine preventive health care and only entitles your pet to the treatment required to monitor its health, as specified by your practice. There is no insured benefit under The Contract, and this Contract is not a substitute for pet insurance. The Contract does not entitle Your Pet to:

  • The cost of consultations that may or may not precede clinical treatment
  • Any treatment that is deemed clinically necessary by Your Veterinary Practice in the event of
  • illness (short-term or long-term) and injury
  • Any drugs or general health improvers (such as vitamins or ‘neutraceuticals’) which are not
  • clinically necessary in the opinion of Your Veterinary Practice
  • The cost of food, including prescription and special dietary food
  • Treatment provided by Your Veterinary Practice outside of normal surgery hours and/or outside
  • of the surgery, including home visits
  • Any treatment that continues after the Contract has been cancelled

4. Treatment of other animals
The Contract is for Your Pet named on the Application Form and is not transferable between animals.

5. Treatment at another surgery
Your Contract is between You and Independent Vetcare Ltd as the owners of Your Veterinary Practice. Your plan can only be transferred to an Approved Practice that is owned by Independent Vetcare Ltd but cannot be transferred to another practice outside of the Independent Vetcare Ltd Group. Where you choose for your pet to have routine preventive treatment anywhere other than an Approved Practice, Your Pet will not be covered by this Contract. If you wish to transfer Your Contract to another Approved Practice, please ask Your Veterinary Practice for details.

6. Monthly Plan Fee
Your monthly plan fee will be determined by your pets species. Your Veterinary Practice reserve the right to make changes to the plan and monthly fee with no less than 4 weeks’ notice.

7. Payment of fees
Your Contract is a monthly contract and will continue from month to month until it is ended by either You or Your Veterinary Practice. You must pay the monthly fee by Direct Debit in favour of The Animal Healthcare Company as collecting agent for Your Veterinary Practice. Any other amounts due to Your Veterinary Practice for treatment not covered by this Contract are payable directly to Your Veterinary Practice. Your liability to pay the monthly fee continues until the Contract is ended in accordance with these terms and conditions (see section 10). No refund of fees will be allowed except in the case of administrative error or death of Your Pet or client.

8. Alteration of Monthly Plan Fee
Your Veterinary Practice will normally review Your Pet’s Monthly Plan Fee once a year and Your Monthly Plan Fee may change as a result. You will be given at least 4 weeks’ notice of any changes to your monthly fee and any notice sent to the payer’s email address (if provided) or last known postal address will be treated as adequate notice.

9. Direct Debit Changes
Following a decrease in your monthly fee, your Monthly Plan Fee will be changed at the next available Direct Debit collection date. Where You are given notice of an increase in your monthly fee, your Monthly Plan Fee will be increased at the end of the notice period. If You need to change your bank details or Direct Debit collection date, please contact your veterinary practice at least 10 working days before the next collection is due.

10. Your Responsibilities
You are responsible for ensuring Your Pet attends Your Veterinary Practice regularly for health checks, vaccinations and parasite control and that You comply with the advice and treatment Your Veterinary Practice prescribes. If in the reasonable opinion of Your Veterinary Practice, they are not able to maintain Your Pet’s health due to any act or omission on your part, your practice may end the Contract with immediate effect.

11. Ending the Contract
You may cancel the Contract by giving no less than one calendar months’ notice in writing to Your Veterinary Practice or The Animal Healthcare Company expiring on the last payment date. If you cancel at any time other than on an anniversary of joining the plan, your practice may charge you either the outstanding amount for treatment received, or the monthly payments due until the anniversary of your plan, whichever is lower.

Your Veterinary Practice may end your Contract for any reason by giving You not less than one months’ notice and notice given will be deemed valid if sent to the payer’s last known postal address.

If in the reasonable opinion of Your Veterinary Practice, they are not able to maintain Your Pet’s health due to any act or omission on your part, our practice may end the Contract with immediate effect. Your Practice may also end this Contract if in our reasonable opinion You, and or any person who brings Your Pet to Your Veterinary Practice in relation to Your Pet’s care, are aggressive and/or abusive to any of Your Veterinary Practice’s staff.

12. Non-payment
If The Animal Healthcare Company is unable to collect your monthly plan fee, they will inform You in writing and attempt to collect the fee from your bank account within 10 days. Your Pet’s entitlement to treatment under the Plan will be suspended during this time and will only recommence once cleared funds have been received by Your Veterinary Practice. Your Contract will be terminated on the third consecutive attempt to collect payment. If You wish to reinstate the plan following termination, The Animal Healthcare Company will contact Your Veterinary Practice for prior consent. Any request to reinstate the plan after three months will be subject to a new assessment and joining fee. The Animal Healthcare Company will charge an administration fee of £10 if any of your Direct Debit payments are returned by your bank as unpaid.

13. Refunds
If your monthly payment is refunded by The Animal Healthcare Company for whatever reason, the plan will be subject to the conditions of Non-Payment (see Section 11) for those months that have been refunded.

14. Variation of these terms and conditions
The terms and conditions of your Contract may be varied by Your Veterinary Practice or by The Animal Healthcare Company on Your Veterinary Practice’s behalf. You will be given at least one month’s written notice of any changes. Details of the variation will be sent to the Plan Fee payer’s last known postal address. If you don’t want to accept the changes you have the right to cancel – in line with Condition 11. You will not have to pay any more than one month’s Plan Fee if you are cancelling because of the variations to the terms. You will be deemed to have accepted the variations after the one month’s notice period expires if you have not cancelled the Plan.

15. Liabilities
The Animal Healthcare Company administers Your Pet’s Plan on behalf of Your Veterinary Practice. The Contract is not with The Animal Health Care Company, and The Animal Healthcare Company has no liability to You whether in respect of tort (including negligence), breach of contract, defective or unsatisfactory treatment in connection with any Plan it administers on behalf of Your Veterinary Practice. This does not affect any right or remedy You may have against Your Veterinary Practice. The Animal Healthcare Company has no obligation to pay to Your Veterinary Practice any fees not received by us from You, or any monies owed to You by Your Veterinary Practice.

16. Your personal data
We operate strict procedures to ensure that your personal data is kept safe and secure. The main purpose for which The Animal Healthcare Company holds and uses your personal data is to enable the administration of your Pet’s Plan. Your personal data may be shared with other relevant persons involved in the administration of Your Pet’s Plan (for example the pet owner if different to the plan payer) and other persons appointed by the Plan Holder (for example under a Power of Attorney arrangement). Your personal data may also be shared with persons who provide administrative services to The Animal Healthcare Company, including companies operating outside of the United Kingdom and the European Economic Area (EEA), and to persons engaged in fraud detection and prevention. Your personal data may also be used for market research to improve the services offered to You, and to provide You with offers of products and services from the Animal Healthcare Company, the Simplyhealth group or other carefully selected partners. You have the right to know what personal data is held about You, why it is held, how it is used, how long it is held and to whom it is disclosed. If You wish to find out about any of these things or if You would like to change your personal data preferences please write to The Data Protection Officer, The Animal Healthcare Company Ltd, Victoria Road, Winchester, S023 7RG. Upon joining the Plan, You also consent to the disclosure of Your Pet’s medical records to Your Veterinary Practice for the purpose of review and assessment in advance of joining the Plan.

17. Complaints and disputes
All disputes relating to treatment should be directed to Your Veterinary Practice in accordance with their in-house complaints procedure.
Should You have a complaint about the administration of your Plan please contact the Head of Customer Services (Vets) at The Animal Healthcare Company Ltd, Victoria Road, Winchester, SO23 7RG or email at 

18. Governing law and jurisdiction
This contract shall be governed by and construed exclusively in accordance with the Law of England and Wales.