GapOnly®
Claim at a participating vet on the spot and only pay the gap.^
As a pet parent, the last thing you want to worry about when your fur baby gets sick or injured is affording treatment. That's where GapOnly® comes in. GapOnly® simplifies the pet insurance claims process by reviewing and calculating your claim while you're at the vet.
Once approved, you'll only have to pay the gap (the difference between the eligible vet's invoice and your claim benefit under your policy).^
How to claim with GapOnly®?
Find a participating GapOnly® vet.
You can request pre-approval to check if your pet's proposed treatment will be covered before it takes place.
Let your vet know you'd like to submit a GapOnly® claim for your pet's treatment.
Whilst at the veterinary clinic, ask the vet to submit a GapOnly® claim on your behalf, which is then processed in around 5 minutes.
Once the claim has been assessed and approved, you simply will only need to pay the gap^ and go.
Find your closest GapOnly® vet
To make the most of GapOnly® with your pet insurance, head to a participating vet.
Trying out a new vet? Don’t forget to update the vet history in your policy profile through your pet portal.
Common questions
Important information and disclaimers
Petinsurance.com.au policies entered into for the first time on or after 7 November 2023 and subsequent renewals of those policies are issued by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by PetSure’s Authorised Representatives (AR) Pet Insurance Pty Ltd ABN 38 607 160 930, AR 1234944 (PIPL) and The Royal Automobile Club of Tasmania Limited ABN 62 009 475 861, AR 228578. Petinsurance.com.au policies entered into for the first time prior to 7 November 2023 and subsequent renewals of those policies are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436, arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by PIPL. 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 petinsurance.com.au.
**This offer only applies to RACT members who purchase a new RACT together with Petinsurance.com.au Pet Insurance policy between 12:01am AEST on 1 September 2025 and 11:59pm AEST on 1 July 2026 (Offer Period). Offer provides RACT members with a 10% discount on their new RACT together with Petinsurance.com.au Pet Insurance Policy premiums each year, whilst the policy remains in force, with all premiums paid in full, and while you remain a RACT Member (Member Offer). For instalment payers, the Offer is applied proportionately across all instalment payments during each year you remain eligible for the Member Discount. For annual payers, the Offer is applied automatically to your annual premium amount each policy year that you remain eligible for the Member Discount. This Offer will also provide RACT members with 1 month free in their first policy year only when they purchase a new RACT together with Petinsurance.com.au Pet Insurance Policy during the Offer Period (1-Month Free Offer). Instalment payers will not be charged an instalment for the first month and instalments will be charged from the second month of your policy period. Annual payers will have the 1 month free deducted from the annual premium at the time of purchase. To enjoy the Member Offer and 1-Month Free Offer, you must provide the promotional code RACTMEM1MF10 and a valid RACT Member number at the time of purchase. Customers can remove this Offer at the time of purchase. Not available with any other offer except for the multi-pet discount for additional pets. Excludes RACT staff members. Both the Member Offer and the 1-Month Free Offer are subject to RACT together with Petinsurance.com.au Pet Insurance Policy T&C’s available https://www.ract.com.au/insurance-and-finance/pet-insurance . Eligibility criteria applies, refer to the Product Disclosure Statement. RACT together with Petinsurance.com.au reserves the right to withdraw, vary or extend these Offer’s at any time, without notice.
~Offer commences 12:01am AEST on 1 September 2025 and ends 11:59pm AEST on 1 July 2026 (Offer Period). Offer provides new customers with one month free in their first policy year only when they purchase a Pet Insurance policy distributed by RACT together with petinsurance.com.au during the Offer Period (Offer). If you choose to pay by monthly or fortnightly instalments, you will not be charged an instalment for the first month of your policy, from the selected policy commencement date. The first premium will be charged on the first premium instalment of the second month of your policy. For annual payments, the 1 month free will be deducted from your first policy year premium at the time of purchase. Offer applies to new Pet Insurance policies purchased during the Offer Period, online or by phone using promo code RACTGEN1MF. The offer is automatically applied through the ‘get a quote’ button. Customers can remove this Offer at the time of purchase. Offer will cease if you change your level of cover. Offer cannot be used in conjunction with any other offer with the exception of the multi-pet discount. Offer subject to RACT together with petinsurance.com.au Pet Insurance Policy T&C’s available at http://www.ract.com.au/pet-insurance. Eligibility criteria applies, refer to the Product Disclosure Statement. RACT together with petinsurance.com.au reserves the right to withdraw, vary or extend the Offer at any time, without notice.
^The gap means the difference between the vet’s invoice and the eligible claim benefit under your policy. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure). Insurance products are issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436 (Hollard) and/or PetSure (from 8 May 2023 only), administered by PetSure and promoted and distributed through their authorised representatives and distribution partners. Any advice provided is general only and does not take into account your individual objectives, financial situation or needs. Cover is subject to policy terms and conditions. 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 on our partners' websites. Meet our partners at petsure.com.au/partners.^Policy terms and conditions apply. GapOnly® is only available at participating vets. Please visit gaponly.com.au to search for GapOnly® enabled vets. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd (PetSure) (ABN 95 075 949 923, AFSL 420183).
#myPetPassTM is a rewards programme provided by PetSure (Australia) Pty Ltd ABN 95 075 949 923 (PetSure). Available only to holders of active RACT together with petinsurance.com.au policies. myPetPassTM perks are provided by PetSure and third-party suppliers and also subject to these third-party suppliers’ terms and conditions. myPetPassTM perks may be amended or withdrawn any time without notice. PetSure does not guarantee that any particular third-party providers will continue to participate in myPetPassTM through the offer or provision of perks, or that the myPetPassTM rewards programme or any myPetPassTM perks or features of myPetPassTM will continue to be available. Full Terms & Conditions available at mypetpass.com.au/terms.