Introducing GapOnly®

  • Reduced upfront vet bill payments on eligible claims
  • Access your pet insurance benefit on the spot for eligible claims
  • Claims assessed and approved in around 10 minutes^
  • No paperwork required
  • On-the-spot pre-approval available
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RSPCA Pet Insurance now offers an easier and faster way to claim on eligible vet bills for your cat or dog. You can now access your benefit right away with GapOnly®, which means you only need to pay the ‘gap’ (the amount not covered by your policy) for eligible claims when visiting a participating vet.

This reduces your upfront payment on vet bills and also saves you from having to submit multiple forms when making a claim because your vet handles your claim for you. Here’s everything you need to know about this exciting new feature.

What is GapOnly®?

GapOnly® is the latest pet insurance claims service offered by participating vets and pet insurance providers.

As a pet parent, there’s nothing more stressful than when your furry friend is sick or injured. That’s why GapOnly® makes the process of paying for the treatment of your pet easier than ever. When your cat or dog receives medical care at a participating vet, your eligible pet insurance benefit will automatically be applied to your bill at the time of payment. All you need to do is pay the amount not covered by your policy (the gap), on eligible claims.

The biggest difference between GapOnly® and our regular claims process is that you no longer need to wait to be reimbursed after paying your bill. This was a common suggestion that we received from pet owners who wanted to benefit from their policy right away rather than wait for their claim to be processed.

How to make a claim with GapOnly®


Visit a participating vet and let them know you’d like to make a GapOnly® claim, either when booking the appointment or when you arrive at the clinic.


The vet submits the claim for you, then your claim will be assessed for approval in around 10 minutes. No need to wait days to receive your benefit.


Once your eligible claim is assessed, simply pay the remaining gap (the amount not covered by your policy). After that you’re good to go!

A GapOnly® claim can be processed from 8:00am to 8:00pm Monday to Friday, or between 8:00am and 5:00pm Saturdays AEST (excluding NSW public holidays). For claiming outside of these hours, just ask your vet to submit your claim as an eClaim. All GapOnly® participating vets offer the eClaims service.

Find your closest GapOnly® vet

To take advantage of GapOnly® with your pet insurance policy, you will need to visit a participating vet. You can find your nearest GapOnly® vet here.

If you decide to visit a new vet, remember to update the vet history section of your policy profile in your Pet Portal.

Find a participating vet

Why choose RSPCA Pet Insurance?

Discover even more great reasons to protect your pet with RSPCA Pet Insurance.

Four levels of cover to choose from

Claim up to $20,000 a year on eligible vet bills*

Covers up to 80% of eligible vet bills+

A portion of first year premiums help support the RSPCA

Claim Statistics for RSPCA Pet Insurance (July 2018 to June 2019)

  • 317,000 RSPCA Pet Insurance Claims were processed

  • Over $42.9 million in benefits were paid

  • 98.8% of claims were processed within 5 days

Keep in mind that with RSPCA Pet Insurance, up to 80% of your eligible vet bills may be covered on the spot when you make a GapOnly® claim*.

Frequently Asked Questions

^ Assessment times may vary depending on complexity of the claim and completeness of information.

* Pre-existing conditions and certain illnesses are excluded. Limits, waiting periods and exclusions may apply.

+ Terms, conditions, exclusions, benefit limits, sub-limits and annual condition limits may apply.