A quick guide to GapOnly® pet insurance claims

Pet insurance tips
21.09.25 | 2 min read
A dog with its head caught in a lounge chair

Vet bills can catch you by surprise - much like your pet’s unexpected antics. GapOnly® works with eligible claims at participating vets. You pay the gap (the difference between the vet’s invoice and your eligible claim benefit) and off you go, which means that you can focus more on your furry friend.

So, what is GapOnly® all about?

Instead of paying the full amount upfront and then waiting to be reimbursed, GapOnly® allows you to claim on the spot, so you only pay the gap (the difference between the vet’s invoice and your eligible claim benefit) instead of the full bill upfront.

What isn’t included?

That said, any exclusions on your Petinsurance.com.au policy will still apply, whether or not you’re using GapOnly® to claim. Petinsurance.com.au policies don’t cover items such as:

  • Pre-existing conditions
  • Breeding and obstetrics
  • Grooming

Please note that this list is not exhaustive. Refer to the Product Disclosure Statement for further information.

If you’re keen to explore what cover options are available, you can head online here and have a look at the different cover options available that might suit your furry friend.

How does GapOnly®** work with pet insurance?

If your vet offers GapOnly®, here’s the quick run-down:

  • When you and your furry friend visit the vet, just let your vet know you want to use GapOnly®.
  • Your vet will submit the claim on your behalf while you’re still in the clinic.
  • The claim is usually assessed within about 5 minutes.
  • Where eligible, you then just pay the difference between the total bill and what’s covered by the policy.

With GapOnly®, you focus more on the important stuff, like belly rubs.

A pet reading with their owner
Does your vet offer GapOnly®?

Not all vet clinics are set up to offer GapOnly®, so it’s worth checking before you visit. If you’re not sure, simply ask your vet whether they participate in the program - they’ll be happy to let you know.

You can also use the GapOnly® vet finder online(opens in a new tab) to see which clinics near you are part of the network. This makes it easy to find a participating vet, whether it’s your regular clinic or a new one nearby.

Ready to explore pet insurance with GapOnly®**?

Whether your furry mate is pulling off impressive balancing acts or staging sneaky snack raids, unexpected vet visits can happen. GapOnly®** is available for Petinsurance.com.au policy holders, to help make those unexpected vet visits a little easier to manage.

Considering pet insurance for your furry friend? Thanks to ahm, you can get 2 months free* pet insurance, just use the code AHM2MF when getting a quote. As a Petinsurance.com.au policy holder, you also get access to things like GapOnly®**, myPetPass®^ and 24/7 Live Vet Support~.

You can get a quick quote online here, or for more information head to ahm.com.au/pet-insurance.

Things you should know

Petinsurance.com.aupolicies 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 PetSure’s Authorised Representatives (AR) Pet Insurance Pty Ltd ABN 38 607 160 930, AR 1234944 (PIPL) and Medibank Private Limited ABN 47 080 890 259, AR 286089 trading as ahm Health Insurance (ahm). 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 and promoted and distributed by PetSure’s ARs, PIPL and ahm. 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**The gap means the difference between the vet’s invoice and the eligible claim benefit under your policy. GapOnly® is available at participating Vets with an eligible pet insurance policy. Meet our partners at gaponly.com.au(opens in a new tab). Any advice is general and may not be right for you GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure).*Offer starts 12:01am AEDT, 7 May 2025 and ends 12:01am AEDT, 7 May 2027 (Offer Period). Offer provides new customers with two months free in their first policy year only when they purchase a Petinsurance.com.au Pet Insurance Policy during the Offer Period (Offer). Instalment payers will not be charged an instalment for the first two months and instalments will be charged from the third month of your policy period. Annual payers will have the two months free deducted from the annual premium at the time of purchase. Provide promo code AHM2MF 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 Petinsurance.com.au Pet Insurance Policy T&Cs available at: petinsurance.com.au. Eligibility criteria applies, refer to the Product Disclosure Statement. Petinsurance.com.au reserves the right to withdraw, vary or extend this Offer at any time.
^myPetPass® is a rewards programme provided by PetSure (Australia) Pty Ltd ABN 95 075 949 923 (PetSure). Available only to holders of active ahm together with petinsurance.com.au policies. myPetPass® perks are provided by PetSure and third-party suppliers and also subject to these third-party suppliers’ terms and conditions. myPetPass® 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 myPetPass® through the offer or provision of perks, or that the myPetPass® rewards programme or any myPetPass® perks or features of myPetPass® will continue to be available. Full Terms & Conditions available at mypetpass.com.au/terms(opens in a new tab)˜Live Vet Support is a service provided by PetSure that gives you 24/7 access to general veterinary telehealth advice for your insured pet(s) via online video or chat, via the Customer Portals owned and operated by PetSure. Access to Live Vet Support consultations subject to the Customer Portal terms of use available at petportal.petinsurance.com.au(opens in a new tab)