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Claim on the spot and pay the GapOnly®

We are proud to partner with GapOnly®, a service that’s set to transform the pet insurance claiming process.

With GapOnly®, eligible pet insurance claims can be assessed and approved while you’re still at the vet. Your vet lodges the claim electronically, and once it’s processed, you simply pay the gap* - the difference between your vet’s invoice and the benefit paid under your policy.

It’s a faster and simpler way to manage eligible vet bills, so you can focus on caring for your pet rather than waiting for reimbursements or paying the full amount upfront.

How GapOnly® helps

  • Reduced upfront vet bill payments on eligible claims.
  • Faster claiming — most claims are assessed in minutes.¹
  • Less paperwork — your vet lodges the claim for you.

How to make a GapOnly® claim

  1. Let your vet know you’d like them to submit a GapOnly® claim on your behalf.
  2. Your claim can be assessed in minutes.1
  3.  Once approved and processed, you simply pay the gap (the difference between the vet’s invoice and your eligible claim benefit).

Find a GapOnly® vet

GapOnly® is available at a growing network of participating vet clinics and hospitals across New Zealand. Ask your vet if they offer GapOnly® or visit gaponly.co.nz to find a participating clinic near you.

Trying a new vet? Don’t forget to update the vet details in your policy profile on the pet portal.

Dog and cat looking up above the lens

AA pet insurer

The Insurer

AA Pet Insurance policies are issued by The Hollard Insurance Company Pty Limited (Hollard), distributed by The New Zealand Automobile Association (Incorporated) and administered and managed by PetSure (Australia) Pty Limited. 

Insurer Financial Strength Rating 

Hollard has a financial strength rating of A (Strong) issued by Standard & Poor’s. For further details about this, please click here.

Financial advice

This is general information only and it is not financial advice. This information does not take into account your specific financial situation, needs, or goals. Please consider the relevant Policy Document available here to ensure these products meet your needs. Terms, conditions, limits, and exclusions apply. Waiting periods and excesses may also apply.

AA does not guarantee the obligations of, or any products issued by, Hollard. AA may receive commission payments as a result of the arrangement of AA Pet Insurance policies. 

More Information

Policy Document

Make a claim

Complaint Process

Terms and Conditions

About Us

Pre-Existing Conditions

NZAA Financial Advice Provider Disclosure

NZAA Privacy Policy

¹Assessment times may vary depending on the complexity of the claim and the completeness of information. GapOnly is available Monday – Saturday 10:00am-12:00am (NZST/NZDT), as applicable, excluding NSW (Australian) public holidays)

*The gap means the difference between the vet’s invoice and the eligible claim benefit under your policy. GapOnly® is a trademark owned by PetSure (Australia) Pty Ltd ABN 95 075 949 923, NZBN 9429049378085, AFSL 420183 (PetSure).