Gap Only | Petinsurance.com.au Australia

How to claim
with GapOnly^®

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

1.

Check if your vet is a  GapOnly^®> provider or use  our search engine below  to find your closest  GapOnly^® vet.

2.

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

3.

They lodge the claim right there, and it's assessed in around five minutes.

4.

Once it's approved, you settle the gap< and you're on your way.

What we love about
GapOnly^®

Healthy pets, happy wallets

With less to pay out of pocket at the vet on eligible claims< , you can focus on getting them better, not the bill.

Bye bye 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, the choice is yours.

Doing good, one claim at a time

Every GapOnly^® claim you make gives $1 to PetSafetyNet, turning an everyday vet visit into a small act of giving back to vulnerable pets and their families.

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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 PetSure’s Authorised Representative (AR) Pet Insurance Pty Ltd ABN 38 607 160 930, AR 1234944 (PIPL) and PIPL’s authorised distribution partners. 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 AR, PIPL and PIPL’s authorised distribution partners. 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.

#Offer provides one month free in first policy year. Instalment payers; first instalment charged from month two. Annual payers; one month free deducted from the annual premium. Applies to new policies purchased between 12:01am AEDT, 1 September 2026 and 11:59pm AEDT, 1 December 2026. Must use promo code PINS1MF. Offer ceases if you change level of cover. Not available with any other offer except for the 10% multi-pet discount for additional pets. Visit petinsurance.com.au for full T&Cs and eligibility criteria.

*$500 excess is not available with the 70% benefit percentage. $1000 excess is not available with the 70% benefit percentage or $7,500 annual benefit limit.

^Policy Terms and Conditions, limits, waiting periods, exclusions and excesses apply.

~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.

>>myPetPass® is a rewards programme provided by PetSure (Australia) Pty Ltd ABN 95 075 949 923 (PetSure). Available only to holders of active Pet Insurance – Get A Free Quote Online | Petinsurance.com.au Australia 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.

<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). GapOnly® is only available at participating vets. Find vets at https://gaponly.com.au/

^>GapOnly® is available at participating Vets with an eligible pet insurance policy. Meet our partners at gaponly.com.au. Any advice is general and may not be right for you.