Claim on the spot with GapOnly
Bow Wow Meow is proud to partner with the GapOnly® pet insurance claiming service, offering on the spot claiming at participating veterinary practices.
GapOnly® has transformed the claims process by enabling your eligible claims to be assessed and approved while you are still at the vet. The vet lodges the claim electronically and it is usually assessed in around 10 minutes^. Then you just pay “the gap” – the difference between the vet’s invoice and the claim benefit under your policy.
A real win for pet owners, the GapOnly® pet insurance claiming service means you don’t have to pay the entire vet bill up front or wait days to be reimbursed. With less out-of-pocket expense, you can focus on the health of your pet and not on how long it will take to process the claim.
GapOnly® helps makes claiming easy & helps reduce your out of pocket expense
- Reduced upfront vet bill payments on eligible claims
- Easier and faster claiming, with claims processed on-the-spot or before pick-up
- Less paperwork required
- Pre-approval available prior to treatment
Award winning payment service
A winner of Canstar’s 2022 Innovation Excellence Award, GapOnly® was recognised by the Canstar judges as a unique and convenient payment service that has a significant impact for pet insurance customers claiming for eligible vet bills. GapOnly® helps pet owners to confidently and quickly proceed with the best treatment option for their pets.
Find a GapOnly® vet practice
There are currently over 700 vet clinics and animal hospitals Australia-wide that have partnered with the GapOnly® payment process, and more are coming on board all the time. Ask your vet if they are a GapOnly® partner.
To find a participating GapOnly® vet near you, look here.
How to make a GapOnly® claim
GapOnly® claims can be processed at any stage of the pet treatment process:
Your vet can request a pre-approval on your behalf for the proposed conditions and procedure, to ensure it’s covered under your pet insurance policy.
Your vet can submit a GapOnly® claim on your behalf, ahead of you picking up your pet after treatment.
On the spot
Your vet can lodge the GapOnly® claim on your behalf while you’re still at the clinic, and it’s assessed within 10 minutes^.
GapOnly® service availability
A GapOnly® claim can be processed during (AEST, excluding NSW public holidays):
- Monday – Friday 8:00 am – 8:00 pm
- Saturday 8:00am – 5:00 pm
When GapOnly® isn’t available, your vet may be able to submit an electronic pet insurance claim (or an eClaim) instead.
^Assessment times may vary depending on complexity of the claim and completeness of information.
Sign up now to access GapOnly® claiming + get 15% OFF your first year’s premiums!
Bow Wow Meow Pet Insurance has an overall rating of 4.2 stars on consumer ratings site, Product Review, based on 2,367 independent customer reviews. Our Peace of Mind plan and Accident Plus plan each have a rating of 4.4, while our Ultimate Care plan has a rating of 4.5 (as at 2/01/2022). We are very proud to be one of Australia’s most trusted pet insurance companies, and to have been chosen as Product Review’s Pet Insurance Award Winner for 2018, 2019, 2020, 2021 and again for 2022!