Introducing GapOnly™

As a pet parent, when your fur baby gets sick or injured, the last thing you want to be worrying about is whether you can afford treatment.

Innovating the pet insurance claims experience, GapOnly™ reviews and calculates your pet insurance claim while you’re still at the vet. You simply pay the gap (the difference between the vet’s invoice and the claim benefit under your policy) and go.

Helping pet parents

GapOnly™ innovates the pet insurance claims experience for pet parents and vets.

Healthy pets, happy wallets

With less out of pocket expense, pet parents can focus on the health of their pet, not the cost of treatment.

No paperwork

With the on-the-spot claims processing, pet parents can just pay the gap and go. Goodbye paperwork!

Convenient claiming

Request a pre-approval prior to treatment, have your claim processed ahead of pick-up, or claim on the spot – the choice is yours.

Claiming is simple with GapOnly™

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


The vet lodges the GapOnly™ claim, and it’s assessed in around 10 minutes.


The vet lodges the GapOnly™ claim, and it’s assessed in around 10 minutes.

Service availability

A GapOnly™ claim can be processed during (AEST, excluding  NSW public holidays):
Monday – Friday 8:00am – 8:00pm
Saturday 8:00am – 5:00pm
When GapOnly™ isn’t available, your Vet may be able to submit an electronic pet insurance claim (or an eClaim) instead.

Our pet insurance partners

For a list of our latest GapOnly™ pet insurance partners, click the button below.