Claim on the spot and only pay the gap with GapOnly™=

Innovating the pet insurance claims experience, GapOnly™ reviews and calculates your claims while you’re at the vet, meaning you only pay the gap (the difference between the vet's invoice and the claim benefit under your policy)!=

Claiming is simple with GapOnly™

Let your vet know if you’d like to submit a GapOnly™ claim for your pet’s treatment

The vet lodges your claim on the spot and it’s assessed in around 10 minutes

Once your claim has been assessed and approved, you simply pay the gap and go

Why pick Woolworths Pet Insurance

lifetime pet cover

More benefits for Comprehensive policy holders 

Routine Care offers two $50 benefits toward specified routine and preventative health care for your pet each policy year

Learn more about this offer


Get unlimited free access to VetAssist

VetAssist connects you easily and quickly to licensed Australian Vets from the comfort of your own home, or when you're on the move

Connect to VetAssist

flexible payments

Great benefits all year round

Take advantage of exclusive offers throughout the year by simply linking your Woolworths Rewards card to your Pet Insurance policy

Call 1300 10 1234 now

Protect your pets now


Make the most out of GapOnly™ for your Woolworths Pet Insurance

How do I check whether my Vet is GapOnly™ enabled?

Find out how

When is GapOnly™ available?

Find out more

How to claim with GapOnly™

Find out how

Can I use GapOnly™ for all vet treatment costs?

Find out more

How long does a GapOnly™ claim take?

Find out more

I’m ready to try GapOnly™. What do I need to do?

Find out more

Let's talk Pet Insurance

Woolworths Pet Insurance with GapOnly™

"My Dachshund puppy Biscuit accidentally ate some lollies, and was rushed to an animal emergency hospital for artificial sweetener toxicity. The centre had the new GapOnly™ service, and OMG how wonderful is this! The treatment bill was $1,500, but my Woolworths Pet Insurance claim was approved on the spot, I only had to pay the gap of $301, and it was processed right in front of me. I’m so very thankful and I will keep recommending you to all of my friends and family. "

Sharon & Biscuit, QLD


The gap is defined as the difference between the vet's invoice and the claim benefit under your policy. Policy terms and conditions apply. GapOnly is only available at participating Vets. Please visit to search for GapOnly enabled vets. GapOnly™ is a trademark owned by PetSure (Australia) Pty Ltd (PetSure) (ABN 95 075 949 923, ASFL 420183). 

Offer available to new Woolworths Pet Insurance policyholders, and is limited to 1 membership per eligible policy. The free membership offer (valued at $199p.a) is from the date of your policy commencement, provided your Woolworths Pet Insurance policy remains active. You are not eligible to redeem the free membership subscription for cash or credit. VetAssist is a separate subscription based service to the Woolworths Pet Insurance product, and is provided independently by Woolworth’s third party service provider, VetChat Services Pty Ltd (VetChat). Click here for full VetAssist Service terms and conditions. Woolworths reserves the right to withdraw or extend this offer at anytime, without notice.

Testimonials based on individual circumstances and varying factors such as cover options, excess, risk ratings and available discounts. 

Any general advice provided by Dr Harry Cooper in relation to Woolworths Pet Insurance is provided as an Authorised Representative of Hollard through an arrangement with Woolworths AR No. 1000933. 

Woolworths Pet Insurance is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473, AFSL 241436 (Hollard), is promoted and distributed by Hollard’s Authorised Representative (AR) Woolworths Group Limited ABN 88 000 014 675, AR 245476 and is arranged and administered by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183. 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. PDS and Target Market Determination available at