Claim on the spot and only pay the gap with GapOnly® =

Innovating the pet insurance claims experience, GapOnly® reviews and calculates your claims while you’re at the vet, meaning you only pay the gap (the difference between the vet's invoice and the claim benefit under your policy)!=

Claiming is 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

Why pick Everyday Pet Insurance?

Comprehensive Plus annual limit

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

Lifetime cover

Your pet is covered from 8 weeks old for life

Introducing GapOnly

Introducing GapOnly®

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

Protect your pets now


Make the most out of GapOnly® for your Everyday Pet Insurance

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

You can check if your vet is GapOnly® enabled at

When is GapOnly® available?

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.

How to claim with GapOnly®

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.

Can I use GapOnly® for all vet treatment costs?

GapOnly® works in partnership with participating vets and pet insurance partners (for latest partners visit

If your vet and pet insurer is GapOnly® enabled, you can use GapOnly® for all eligible vet invoices covered by your pet insurance policy.

How long does a GapOnly® claim take?

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.

I’m ready to try GapOnly®. What do I need to do?

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. 

Let's talk Pet Insurance
Everyday Pet Insurance with GapOnly®

"My Dachshund puppy Biscuit accidentally ate some lollies, and was rushed to an animal emergency hospital for artificial sweetener toxicity. The centre had the new GapOnly® service, and OMG how wonderful is this! The treatment bill was $1,500, but my [Everyday] Pet Insurance claim was approved on the spot, I only had to pay the gap of $301, and it was processed right in front of me. I’m so very thankful and I will keep recommending you to all of my friends and family. "

Sharon & Biscuit, QLD


Limits, waiting periods, exclusions and excesses may apply.

 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 provided you continuously maintain the cover. Cover is subject to the terms and conditions of your renewing policy. See details in your PDS.

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, ASFL 420183). 

Offer available to new Everyday Pet Insurance policyholders, and is limited to 1 membership per eligible policy. The free membership offer (valued at $199p.a) is from the date of your policy commencement, provided your Everyday Pet Insurance policy remains active. You are not eligible to redeem the free membership subscription for cash or credit. VetAssist is a separate subscription based service to the Everyday Pet Insurance product, and is provided independently by Woolworth’s third party service provider, VetChat Services Pty Ltd (VetChat). Click here for full VetAssist Service terms and conditions. Woolworths reserves the right to withdraw or extend this offer at anytime, without notice.

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

Testimonials based on individual circumstances and varying factors such as cover options, excess, risk ratings and available discounts.

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