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GapOnly™ Insurance

What is GapOnly™?

When your pet gets sick, injured or just routine treatments, the last thing you want to worry about is whether you can afford treatment.

The below insurance companies are part of GapOnly™, who review and calculates your claim while you are at our clinic*.

You simply pay the gap between your pet insurance benefit and our invoice and go

Helping pet parents

GapOnly™ innovates the pet insurance claim experience for pet owners

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 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

How to make a claim

1. Check your insurance company is listed below - make sure they have your pets full history otherwise this will delay the process. You can also get a pre-approval done with an estimate from us to know what the gap amount will be (this ensures the treatment/procedure is covered under your pet insurance policy and you know exactly how much it will cost you)

2. Let us know you would like to submit a GapOnly™ claim before your pets consult/surgery/treatment


3. We will lodge a GapOnly™ claim on your behalf which is assessed within 10 minutes (longer if the insurance company doesn't have all your pets history)

4. Once the claim has been approved you simply pay the gap and go

Availability of service

A GapOnly™ claim is available between:

Monday - Friday: 8.00am - 8.00pm

Saturday: 8.00am - 5.00pm

Not available during public holidays

If GapOnly™ is not available, we can do it the regular way - an electronic claim can be submitted and the benefit will be paid to you directly from the insurance company














For more information on the participating GapOnly™ insurance companies, click on the links below:



Bow Wow Meow

Pet Insurance Australia

Guide Dogs Pet Insurance

Real Insurance

Australian Seniors Insurance Agency

Guardian Insurance

Pet Insurance

Petbarn Insurance

Prime Pet Insurance

*Only available in clinic unless claim has been pre-approved before we come to your house - due to the time it takes to process the claim. We can still do an electronic claim (all insurance companies except PetPlan and RACQ) for you, where the benefit is paid to you directly from the insurance company

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