Pet Insurance and GAP cover FAQ
Pet insurance can be confusing — but we’re here to help.
With so many policies, exclusions, waiting periods and claim types, it’s easy to feel overwhelmed. At Pittwater Animal Hospital, we’ve been working hard to simplify the process for our clients. Thanks to GAP (GapOnly®) claiming, pre-approvals, and our experienced team, we can help take the stress out of understanding and using your pet insurance.
Below are answers to some of the most common questions we hear — and if you’re still unsure, just ask our friendly reception team.
What is pet insurance?
Pet insurance helps cover the cost of unexpected veterinary care, including medications, diagnostics, surgery, and hospitalisation. It works similarly to health insurance for people.
What is GAP claiming?
GAP (GapOnly®) lets us process your insurance claim while you’re still at the clinic, so you only pay the gap – the amount not covered by your insurer – instead of the full invoice up front.
Can I use GAP at Pittwater Animal Hospital?
Yes! We can process GAP claims for surgeries, medications, pathology, and follow-up treatments while you’re still in the clinic. You’ll just pay the remaining balance once the claim is processed.
Which insurance companies support GAP?
Most major Australian pet insurers are GAP-enabled. You can check if your policy qualifies by visiting GAP Only Insurance Partners.
Do I need to do anything before using GAP?
Let us know your pet is insured with a GAP-enabled provider when you book your appointment. We’ll need your insurance details to process the claim at the time of your visit.
Can I get a pre-approval for surgery or a big procedure?
Yes! We can submit an estimate to your insurer through GAP for pre-approval. This helps you compare options and see out-of-pocket costs before proceeding with surgery or investigations.
What is and isn’t covered by pet insurance?
Most policies cover medications, procedures, and diagnostics. Routine items like consultations, vaccinations, parasite prevention, and dental cleaning are often excluded – always check your policy!
What is an excess and how does it affect my claim?
An excess is the fixed amount you pay on each claim (or per condition annually) before your insurance contributes. For example, with a $150 excess and a $500 bill, the insurer pays $350.
When should I take out pet insurance?
As early as possible! Insuring your pet when they’re young helps avoid exclusions for pre-existing conditions. Most policies have a 30-day waiting period, so the earlier the better.
Can I change pet insurers later?
You can switch insurers, but pre-existing conditions are re-assessed by the new provider – exemptions don’t carry over. It’s best to choose carefully from the start.
What’s the difference between accident-only and comprehensive cover?
Accident-only cover handles injuries like broken bones or snake bites. Comprehensive policies cover accidents and illnesses, including skin issues, vomiting, or long-term conditions.
Why was my claim only partially paid or declined?
Claims may be declined if they involve pre-existing conditions, items outside your coverage, or if your waiting period hasn’t elapsed. We’re happy to help interpret your insurer’s feedback.
What if my insurer doesn’t use GAP?
No problem – you can still claim! You’ll just pay in full at the time of treatment, and we’ll help you submit your invoice for reimbursement directly to your insurer.
Can I claim GAP for medication or lab tests?
Yes – as long as the condition is covered and your insurer supports GAP, we can claim for things like repeat medications, pathology, or cytology at the time of your visit.
Does insurance cover dental care?
Some comprehensive policies do, but usually only if regular dental checks and preventative care are documented. Be sure to check your policy details.
What should I look for when choosing a pet insurance provider?
Look for: chronic illness cover, annual limits, dental inclusion, GAP compatibility, and claim processing speed. GAP offers a comparison tool at gaponly.com.au/compare.
