What's GapOnly®?
GapOnly® is a claims payment service that works with participating vets and pet insurers.
How it works. It allows your claim to be processed at the vet, while you're still there.
What's in it for you? This means you'll only have to pay the gap (the difference between the vet’s invoice and your eligible claim benefit).^
On the spot claiming. You may not have to pay the full amount upfront and you can claim on the spot in just a FEW minutes. So there's no waiting around and no paperwork!
All you need to do is ask if your vet offers GapOnly®. For more information, find your nearest GapOnly® ready vet here.
What's in it for pet owners?
GapOnly® is designed to make pet insurance claims simpler and less stressful. Here's how it can help you:
- Pay less upfront. With GapOnly® you only pay the portion of the bill that isn't covered by your policy. This makes a big difference during emergencies or for expensive treatments.
- Faster claims. Claims can take time to submit and process, but not with GapOnly®. Your claim is assessed while you're still at the vet. Most claims are processed in a few minutes, so there's less paperwork and less waiting.
- Know before you go. Because your claim is processed on the spot, you know before you go exactly what you need to pay for before you leave the vet.
- Less stress when your pet needs care. When your pet is unwell, your focus should be on them. GapOnly® could help to reduce the financial pressure and extra paperwork so you can focus on your pet's wellbeing.
How does GapOnly® work?
Using GapOnly® is simple.
Visit a participating vet. Make sure you take your dog or cat to a vet clinic that offers GapOnly®. Many clinics across Tasmania are partnered with this service. Find a Gaponly® ready vet.
Ask for a Gaponly® claim. When your vet appointment is finished, ask the clinic to submit a GapOnly® claim on your behalf.
Pay the gap.^ The claim is processed in real time. Once it's approved, you only pay the remaining gap amount, rather than the full vet bill.
GapOnly® makes claiming on your pet insurance faster, simpler, and more convenient. By allowing claims to be processed at participating vet clinics while you’re still there, you only need to pay the gap between the vet’s invoice and your eligible claim benefit. This could reduce upfront costs, cut down on paperwork, and ease some of the financial stress when your pet needs care. By simply visiting a participating vet and asking for a GapOnly® claim, you can focus more on your pet’s wellbeing and less on the claims process.
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.
^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).