How do I check whether my Vet is GapOnly® enabled?

You can check if your vet is GapOnly® enabled at gaponly.com.au/find-a-gaponly-vet.

When is GapOnly® available?

GapOnly® is available at participating vets Monday to Saturday, 8:00am to 10:00pm (AEST/AEDT excluding NSW public holidays). When GapOnly® isn’t available, your vet may be able to submit an electronic pet insurance claim instead.

How to claim with GapOnly®

The vet will lodge a GapOnly® claim on your behalf, which will be assessed in 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.

Can I use GapOnly® for all vet treatment costs?

GapOnly® works in partnership with participating vets and pet insurance partners (for latest partners visit gaponly.com.au ). If your vet and pet insurer is GapOnly® enabled, you can use GapOnly® for all eligible vet invoices covered by your pet insurance policy.

What is GapOnly® ?

GapOnly® reviews and calculates your pet insurance claim while you’re still at the vet. This means with GapOnly®, you can claim on the spot and only pay the 'gap' - the difference between the vet's bill and your eligible insurance benefit.⁼

Why GapOnly^® ?

Faster claims.

Claims are processed within minutes. That means less waiting around for reimbursement and more time focusing on your pet's well-being.

Lower upfront costs.

You only pay the gap – the difference between the vet bill and the insurance benefit – at the time of service.⁼ That means less upfront cost and more money in your wallet.

Reduce stress of vet visits.

With less paperwork and faster claims, you can focus on what truly matters - your pet's health.

How does GapOnly^®work?

Everyday Pet Insurance claims are simple with GapOnly.^®

Let your vet know you’d like to submit a GapOnly^® claim for your pet’s treatment.

Find your closest GapOnly® vetopens in a new tab

The vet lodges your claim on the spot and it’s assessed in 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 request 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.

Everyday Pet Insurance.

Explore our Pet Insurance cover options and choose the right policy to protect your dog or cat. Plus, get 10% off an in-store Woolworths shop every month.°

Get a quote opens in a new tab Compare cover

Find your closest GapOnly® vet.

Find a participating vet in your area today and experience the convenience of GapOnly® as part of your Everyday Pet Insurance policy.

Why pick Everyday Pet Insurance?

Comprehensive Plus annual limit.#

Claim up to $30,000 a year.

Claim up to 80% back.*

Get up to 80% back on eligible vet bills.

Lifetime cover.‡

Your pet is covered from 8 weeks old for life.

Introducing GapOnly.®

Claim your benefit on the spot and only pay the gap on eligible claims.⁼

Cover your furry friend today.

Get a quote opens in a new tab

Frequently Asked Questions.

On average, an in-clinic GapOnly® claim will be processed within minutes. If the claim is expected to 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 gaponly.com.auopens in a new tab 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.®

I’m pleased to let you know that my beautiful vet team suggested I give you a try and I’m so happy that I have, the GapOnly® is a god send, nothing is a bother. This puggy mumma knows I’m in good hands and not getting ripped off and feeling like just another number.

Important information.

text: = 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^®opens in a new tab to search for GapOnly^® enabled vets. GapOnly^® is a trademark owned by PetSure (Australia) Pty Ltd (PetSure) (ABN 95 075 949 923, AFSL 420183).

text: ^#Policy Terms and Conditions, exclusions and limits apply. Benefit limit amounts vary by level of cover.

text: * Limits, waiting periods, exclusions and excesses may apply.

text: ^‡ 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.

text: Testimonials are based on individual circumstances and may not reflect your experience. They may be influenced by factors such as cover options, excess, risk ratings, and available discounts, as well as the person’s own objectives, situation and needs. All claims are assessed on a case by case basis and subject to the terms and conditions including limits and exclusions of the insurance policy.

text: 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.

We're here to help.

Chat with Mandy

FAQs

My Insurance Portal

GapOnly® and Everyday Pet Insurance.

Claim on the spot and only pay the gap with GapOnly® and Everyday Pet Insurance.⁼