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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 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® ?
How does GapOnly® work?
Everyday Pet Insurance claims are simple with GapOnly.®
Score 10x Everyday Rewards points on selected pet food products at Woolworths.<
Link your Everyday Rewards card to your Pet Insurance policy today to be eligible to collect your rewards.
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.
Why pick Everyday Pet Insurance?
Cover your furry friend.
Frequently Asked Questions.
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.
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.
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 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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# Depending on your level of cover. Policy T&Cs, limits, exclusions, waiting periods and annual excess may apply.
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<Offer Period
Everyday Pet Insurance 10× Everyday Rewards points on selected Mars Pet Nutrition pet food offer is available between 12:01am (local time) 01 April 2026 and 11:59pm (local time) 28 February 2027. Offer period is based on the local time of the store you shop at or that fulfills your Woolworths Online order.
Where is the offer available?
Everyday Pet Insurance policyholders can collect 10× Everyday Rewards points on selected Mars Pet Nutrition pet food from the pet aisle at Woolworths Supermarkets and Woolworths Metro, online and in-store. This offer is not available on Everyday Market from Woolworths purchases, purchases via MILKRUN, or purchases made with a Woolworths Online business account.
Who is eligible?
This offer is for Everyday Pet Insurance policyholders who have successfully linked an active, registered Everyday Rewards or Everyday Rewards Plus Card to their active pet insurance policy. Please note that it may take up to 10 days after linking your Everyday Rewards Card to your Everyday Pet Insurance policy for this offer to become available.
You will not receive this offer if your Everyday Rewards or Everyday Rewards Plus account is cancelled, terminated, or suspended during the offer period. Additionally, you will not be eligible for this offer if your policy is cancelled, or if a change in your level of cover results in a new policy number during the offer period. To remain eligible for this offer, you must link your new Everyday Rewards Card or Everyday Rewards Plus card to your policy if your card number changes.
How does it works
To collect 10× Everyday Rewards points when purchasing eligible pet food products, you must:
Have successfully linked your active, registered Everyday Rewards Card or Everyday Rewards Plus Card to your active Everyday Pet Insurance policy;
Purchase a participating product at a Woolworths Supermarket, Woolworths Metro, or Woolworths Online. Please visit woolworths.com.au for stock availability, price, and delivery areas, which may vary by store; and
To enjoy:
In-store: Scan your active, registered Everyday Rewards Card or Everyday Rewards Plus Card before completing your transaction.
Online: Ensure your active, registered Everyday Rewards Card or Everyday Rewards Plus Card is linked to your online account when you complete the transaction.
Your Everyday Rewards points will be added to your account within ten (10) business days of completing a qualifying purchase. The 10X points equals 1 (one) standard Everyday Rewards point and 9 (nine) additional points per dollar spent on participating products. This offer can be enjoyed multiple times during the promotional period. However, this offer is not valid for commercial transactions or quantities exceeding reasonable personal and household consumption.
What is included?
This offer is valid on participating Mars Pet Nutrition products from the following brands: MyDog, Optimum, Pedigree, Greenies, Schmackos, Whiskas, Dine, and Temptations. For a list of all participating products, see here.
What is excluded?
This offer excludes: all Exelpet dog and cat treatment products, and all Catsan cat litter products and Chum dog food products.
Additional Important Information
Enjoyment of this Everyday Rewards offer is subject to the Everyday Insurance Terms and Conditions. Please consider the Everyday Pet Insurance Product Disclosure Statement, Financial Services Guide and Target Market Determination to assist in determining if the products are right for you. In addition to the above terms and conditions, please see the Woolworths Supermarket Terms and Conditions. By participating in the Everyday Rewards program you agree to the Everyday Rewards Terms and Conditions. You may not collect Everyday Rewards points if earning those points would cause you to exceed $4,000 Everyday Rewards dollars (as set out in the Everyday Rewards Terms and Conditions). Everyday Rewards points cannot be redeemed for cash. Woolworths reserves the right to vary, withdraw or extend this discount or an offer at any time. Woolworths will provide reasonable notice of any adverse change.
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° This offer is only available for policyholders who have a registered Everyday Rewards Card linked to their eligible active Everyday Insurance policy. This offer is limited to one in-store Woolworths Supermarket transaction up to $500, with a maximum saving of $50 per Everyday Rewards Card, per month, regardless of the number of Woolworths services you use. For full T&Cs click here.
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>> Once all required claims documentation has been received.
~ Based on PetSure data February 2023 to January 2024.
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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.
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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.
