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


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!

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We feel very lucky that we found the lump early on Violet, and that Bow Wow Meow offered GapOnly® so we were able to claim straight away. A $400 bill is much nicer than $2000 (especially just before Christmas!).
Steph and Violet, proud Bow Wow Meow pet insurance and GapOnly® customers, December 2021.
Thor is such a special part of our family, not only is he like a fur child to us but he is a therapy dog for my son that has autism. When Thor woke up in pain and couldn’t walk or eat we knew something was very wrong. When we found out he needed spinal surgery we were so worried not only for him but for the financial ramifications it could have for our family during this difficult time. We were absolutely thrilled to find out that Bow Wow Meow had “GapOnly®” [claims service] with the Veterinarian. This took a huge burden off us during such a scary time. I’m not sure what we would’ve done without it!”
Jade & Thor, proud Bow Wow Meow for Pets and GapOnly® customers, September 2020.

Over $3 million in claims paid out each month

We've insured over 160,000 Aussie pets since 2008

97% of claims paid within 5 days

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GapOnly® on the spot claiming
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