Claim at the vet and pay the GapOnly®

For eligible claims, just pay the gap between your pet insurance benefit and the vets invoice and go.

Find your closest GapOnly® vet below

How to claim with GapOnly®

First, scroll down to find your closest GapOnly® vet clinic. Then…

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

The vet submits 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.

We heart GapOnly®

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

Pet Insurance with no excess to pay

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.

Up to 80% off your eligible vet bills

No paperwork

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

Claim online and get paid in 5-10 days

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.

Wendy for Stormi

Really happy with my 1st claim it was only a small one but I was very nervous. It was approved the next day and the following day the refund was in my account. I had spoken to and emailed them previously to make sure I had everything ready to go when the time came and they were prompt ,very friendly and helpful.

Marian for Lacey

Anyone that’s looking for pet insurance, couldn’t recommend this company high enough. Our vet specialist is included under the ‘gap only’ payment so each chemo visit for my girl is covered & I pay the difference, so easy when the specialist puts it through & it’s an on the spot approval. Many thanks

Linda for Atticus

Best Insurance for pets!! I've had my guy insured with them since I got him 4 years ago and it's worth the monthly payments. He got very ill 2 weeks ago, out of the blue, was at the Vet Surgery on a drip for 2 days. A hefty $1400. bill later and I only had to pay the gap of 20%.

Bridget for Bentley

I took out pet insurance online from 11:59pm on the day before I collected Bentley. I had a 3 hour drive home and didn't want to take any chances. Since then I've submitted a couple of claims for his vaccination and desexing, and the claims process is a breeze. I have Bentley's details set up in the Portal and I just log in, upload a photo of the vet's invoice, and submit the claim. I receive a text message within a few hours, confirming that the claim has been received and the next thing I know the payment goes directly into my bank account. It really is easy!!

Chloe for Uno

Before choosing to insure with, I did a lot of research with other companies and found myself comparing policies to ensure I got the best cover possible for Uno and at a reasonable price.
Over the course of the past four months, I have had to make a claim twice due to an unfortunate and very serious illness Uno had, and was so relieved at how simple the claim process is and had no issues receiving my reimbursement. I am very pleased with this company and would recommend it to anyone looking for pet insurance!

Julie for Rio

Animals are everything good and pure, unconditional love and unspoiled affection. Owning a pet is a privilege and obligation. Loving your pet means looking after them and pet insurance is a great way to be a responsible pet owner.

Jamie-Lee for Avery

I love my dog Avery, and his health is paramount to me. I like knowing my happy go lucky boy is covered for any accidents he may have.

Tina for Jasper Lloyd

Making a claim for my Jasper Lloyd through could not have been easier. Vet visit, paid the bill, scanned the forms and away we were! I kid you not - that simple! Even Jasper Lloyd was laughing at how quick the process was… as you can see!! Both of us are delighted with the company :)

Annette for Tilly

Annette for Tilly

I was always planning to get Tilly insured, but hadn’t got around to getting cover. I came across a ad on a flight to Melbourne and got a quote on my mobile while I waited for a cab. It was cheaper than I thought. So I applied and got her covered. It was so easy, and I earn Velocity Points too!

Naomi for Eric and Jenny

Naomi for Eric & Jenny

I live near the national park, so I always make sure the dogs have cover, but I didn’t really want to pay for Eric and Jenny as they never leave the house. I saw an ad on Facebook talking about Indoor Cat Insurance and got a quote to see how much I would be up for, I was surprised at how cheap it was, so all four of my fur babies have insurance now.