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= The gap is defined as the difference between the vet's invoice and the claim benefit under your policy. Policy terms and conditions apply. GapOnly® is only available at participating Vets. Please visit GapOnly® to search for GapOnly® enabled vets. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd (PetSure) (ABN 95 075 949 923, AFSL 420183).
What is GapOnly® ?
GapOnly® reviews and calculates your claims while you’re at the vet. This means with GapOnly®, you'll claim on the spot and pay the 'gap' only- the difference between the vet's bill and your insurance benefit - on eligible claims.=
Why GapOnly® ?
How does GapOnly® work?
Everyday Pet Insurance claims are simple with GapOnly®
Let your vet know if you’d like to submit a GapOnly® claim for your pet’s treatment
The vet lodges your claim on the spot and it’s assessed in around 10 minutes
Once your claim has been assessed and approved, you simply pay the gap and go
There are three ways to claim with GapOnly®
You can request a pre-approval for your pets proposed treatment. This means before the treatment even takes place you can check whether it will be covered.
You can put a GapOnly® claim after treatment, before discharge. This means you give your vet permission to lodge your claim and have it processed by the time you're ready to pick up your pet.
On-the-spot claims. Your claim can be lodged and processed within 10 minutes when you're at the vet to pick up your pet. You simply pay the gap and go home with your furry friend.
Why pick Everyday Pet Insurance?
Cover your furry friend today
Frequently Asked Questions
GapOnly® is available at participating vets during:
- Monday – Friday 8:00am – 8:00pm
- Saturday 8:00am – 5:00pm
(AEST/AEDT excluding NSW public holidays)
When GapOnly® isn’t available, your vet may be able to submit an electronic pet insurance claim instead.
The vet will lodge a GapOnly® claim on your behalf, which will be assessed in around 10 minutes. Any longer and the vet practice will let you know so you can decide whether you want to stay or have the claim processed as an electronic Pet Insurance claim instead.
An in-clinic GapOnly® claim will take around 10 minutes to process. If the claim will take a little longer the GapOnly® team will let the vet clinic staff know as soon as possible so you can decide whether you’d like to wait, or if available, submit an electronic pet insurance claim instead.
To help speed up this process, please let your vet know as early as possible that you’d like to make a GapOnly® claim, either when you first book the appointment, or when you first arrive at the clinic. This will help minimise any possible delays.
Great! First we suggest that you check that your vet and pet insurance provider are GapOnly® enabled by visiting If they are, simply let your vet know that you’d like to submit a GapOnly® claim the next time you have an appointment, or better still, at the time of booking your appointment.
It’s best to let your vet know that you intend to make a GapOnly® claim as early as possible so they can prepare your claim ahead of time to minimise any possible delays.
Everyday Pet Insurance with GapOnly®
Important information
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# Policy Terms and Conditions, exclusions and limits apply. Benefit limit amounts vary by level of cover.
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* Limits, waiting periods, exclusions and excesses may apply.
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‡ Cover is available for the life of your pet provided you renew your policy each year without any break, lapse or change in the level of Cover. This means once your pet is insured with us and as long as we continue to offer the product, you will be able to renew your policy for that pet for life and your cover level will not be reduced as your pet ages provided you continuously maintain the cover. Cover is subject to the terms and conditions of your renewing policy. See details in your PDS.
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Testimonials based on individual circumstances and varying factors such as cover options, excess, risk ratings and available discounts.
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Everyday Pet Insurance policies entered into for the first time prior to 17 July 2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436 (Hollard), arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by Hollard’s Authorised Representative (AR) Woolworths Group Limited ABN 88 000 014 675, AR 245476 (Woolworths). Everyday Pet Insurance policies entered into for the first time on or after 17 July 2023 and subsequent renewals of those policies are issued by PetSure and promoted and distributed by PetSure’s AR, Woolworths. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing, or choosing to continue with the product. PDS and Target Market Determination available at insurance.everyday.com.au/pet-insurance.
