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GapOnly Pet Insurance

Find and compare pet insurance policies with GapOnly cover from a panel of reputable insurers with Savvy today.  

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, updated on October 6th, 2023       

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Looking into pet insurance for your beloved furry friend? Whether you have a playful pup or a curious cat, you can compare pet insurance options from a range of providers and find the perfect coverage that suits your pet's unique needs and your budget. 

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Savvy earns a commission each time a customer buys a pet insurance policy through our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via the individual pet insurance companies.

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As a pet owner, you will want to provide the best possible care for your animal companion. Pet insurance provides essential coverage, but can still leave you facing significant upfront expenses if your pet needs treatment. GapOnly® offers a solution to help you manage these potential costs.

If you’re interested in finding a pet insurance plan that includes GapOnly, Savvy is here to help. With our 100% free comparison tool, you can quickly browse and compare various pet insurance policies from top providers in minutes to find a plan that meets your specific requirements.

What is GapOnly in pet insurance?

Available on certain pet insurance plans and at participating vet clinics across Australia, GapOnly is a revolutionary claiming service that helps pet owners reduce upfront veterinary treatment costs. GapOnly simplifies the claiming process, providing on-the-spot access to your insurance benefits for eligible claims.

Rather than paying the full vet bill and waiting for reimbursement, GapOnly calculates your claim while you’re still at the clinic. You only need to pay the difference between the vet’s invoice and the claim benefit under your policy – the gap. It works in a similar way to how extras health insurance policies use the HICAPS system to process claims on the spot.

How do I use GapOnly?

Claiming with GapOnly is quick and easy. Here’s a step-by-step guide to making a GapOnly claim:

  1. Visit a participating vet: choose a vet clinic that offers GapOnly. You can find your nearest GapOnly vet on the official GapOnly website.  
  2. Inform your vet: let your vet know that intend to file a GapOnly claim for your pet’s treatment. They will assist you in initiating the claiming process.
  3. Claim submission: your vet will lodge the GapOnly claim electronically on your behalf. This claim is usually assessed in approximately 10 minutes, providing you with a swift response.
  4. Pay the gap: once your claim is approved, you only need to pay the gap amount, which is the difference between the vet’s invoice and your pet insurance claim benefit.

Why should I consider GapOnly?

GapOnly offers numerous advantages to pet owners, making it a preferred choice for many. Here are some of the key benefits:

  • Reduced upfront costs: with GapOnly, you only ever need to pay the gap amount on eligible claims, reducing the immediate financial burden.
  • Faster claim processing: claims are assessed on the spot, eliminating the need to wait for reimbursement.
  • Convenience: GapOnly eliminates paperwork and streamlines the claiming process, providing you with a hassle-free experience.
  • Pre-approval options: you can request pre-approval for proposed conditions and procedures, ensuring you’re aware in advance whether your pet’s treatments are covered under your policy.  
  • Peace of mind: with your eligible costs covered, you can focus on providing the best care for your pet without having to worry about financial burdens or claim delays.

If you’d like a pet insurance plan with GapOnly cover included, you can easily compare policies and providers with Savvy.   

Which treatments does GapOnly cover?

GapOnly pet insurance policies provide the same coverage as standard policies, but the way you make claims is different. All eligible claims for valid policies should be covered, including a wide range of treatments and procedures, providing you with peace of mind for various health concerns. Depending on the type of pet insurance you have and what it covers, these are some key areas that you may be covered for:   

  • Accidents and injuries: GapOnly can cover treatment for accidental injuries, including broken bones, wounds and necessary surgeries.
  • Illnesses: GapOnly coverage can include treatment for health conditions and diseases such as joint issues, diabetes, tick paralysis, and more.
  • Routine care: an optional extra on many comprehensive pet insurance plans, this can include periodic vet consultations, dental care, vaccinations and flea/tick control.   

Types of pet insurance you can choose from

Accident-only

This is the most basic type of pet insurance, covering costs for accidental injuries such as car accidents, poisoning, burns, fractures, snake and spider bites, but not illnesses and other conditions. 

Accident and illness

This type of insurance provides cover for accidental injuries as well as illnesses like cancer, gastrointestinal problems and eye, ear and skin conditions, but not routine care for your pet.

Comprehensive

This offers the highest level of protection, covering accident and illness and potentially routine care such as vaccinations, dental care, worm and flea treatments and microchipping.

Why compare pet insurance with Savvy?

Online fast approvals

100% free

Our comparison service is free to use, providing you with a range of pet insurance quotes at no cost.

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Compare in two minutes

You'll be able to compare offers online side by side in a matter of minutes before you buy.

A Range of Options

Choice of insurers

We’ve partnered with a range of pet insurers to give you more choice when selecting a policy.

Frequently asked questions about GapOnly pet insurance

How do I check whether my pet insurance provider is GapOnly enabled?

You can easily verify if your pet insurance provider offers GapOnly by visiting the GapOnly website and checking its list of partners.    

My vet isn’t GapOnly enabled. Will they be offering the service in the future?

New clinics are added to the GapOnly network daily. If your vet isn’t currently listed, you or your vet can contact GapOnly to request the service.

How do I get started with GapOnly?

If you’d like to use the GapOnly service, you first need to make sure your pet insurance policy is GapOnly ready. Next, find your nearest GapOnly vet clinic and let them know during your appointment or at the time of booking that you'd like to submit a GapOnly claim. Informing your vet in advance helps streamline the process and reduces potential delays.

How long does a GapOnly claim take?

Typically, a GapOnly claim is processed within approximately 10 minutes while you’re still at the vet clinic. In the case of delays, GapOnly will inform the vet clinic staff so you can decide whether to wait or opt for an electronic pet insurance claim instead.

Can I use GapOnly for all my pet’s treatment costs?

GapOnly is designed to work in partnership with participating vets and pet insurance providers. If both your vet and pet insurance provider are GapOnly enabled, you can use it for all eligible pet insurance claims.

Will I always have to pay the gap on my pet insurance claim?

With GapOnly, you only need to pay the ‘gap’ – the difference between the vet’s charges and the amount covered by your policy. However, it’s possible to have no gap on your pet insurance claim, such as if your policy covers the entire cost of a certain treatment. In these cases, you wouldn’t need to pay anything. However, it’s important to note that the gap amount can vary depending on the specific services or treatments your dog or cat requires, the coverage limits of your policy and any applicable excess requirements.  

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Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.

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1300 974 066

Sign up to our newsletter

Disclaimer and important things you should know

Quantum Savvy Pty Ltd (ABN 78 660 493 194) trades as Savvy and operates as an Authorised Credit Representative 541339 of Australian Credit Licence 414426 (AFAS Group Pty Ltd, ABN 12 134 138 686). We are one of Australia’s leading financial comparison sites and have been helping Australians make savvy decisions when it comes to their money for over a decade.

We’re partnered with lenders, insurers and other financial institutions who compensate us for business initiated through our website. We earn a commission each time a customer chooses or buys a product advertised on our site, which you can find out more about here, as well as in our credit guide for asset finance. It’s also crucial to read the terms and conditions, Product Disclosure Statement (PDS) or credit guide of our partners before signing up for your chosen product. However, the compensation we receive doesn’t impact the content written and published on our website, as our writing team exercises full editorial independence.

For more information about us and how we conduct our business, you can read our privacy policy and terms of use.

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