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


12 months 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?

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How to claim with GapOnly™

Find out how

Can I use GapOnly™ for all vet treatment costs?

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How long does a GapOnly™ claim take?

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

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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


GapOnly™ is a trademark owned by PetSure (Australia) Pty Ltd (PetSure) (ABN 95 075 949 923, ASFL 420183).

Policy terms and conditions apply. GapOnly™ is only available at participating vets.

Offer available to new Woolworths Pet Insurance policy holders who purchased their policy between 7 January 2019 to 31 December 2020, limited to 1 membership per eligible policy. The 12 months free membership offer (valued at $199) is from the date of your policy commencement provided your Woolworths Pet Insurance policy remains active during this time. You are not eligible to redeem the remainder of 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. VetAssist Vets are not able to prescribe medication or provide you with any information about your insurance policy. Any consultations with VetAssist does not guarantee an approved claim.

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

Benefits are subject to the terms and conditions including the limits and exclusions of the insurance policy. Cover is issued by The Hollard Insurance Company Pty Ltd ABN 78 090 584 473 AFSL No. 241436 (Hollard) and administered by PetSure through Woolworths Group Limited (ABN 88 000 014 675, AR No. 245476). Woolworths Group Limited ABN 88 000 014 675 AR No. 245476 (Woolworths) acts as Hollard’s Authorised Representative. Any advice provided is general only and may not be right for you. Before you purchase this product you should carefully read the Product Disclosure Statement to decide if it is right for you. 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.