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At VSOS, we understand that unexpected vet bills can be challenging.
That's why we offer flexible payment options to help ease the financial strain. Take advantage of Afterpay, VetPay, and GapOnly to manage your payments and give your pet the best possible care without delay !
Payment & Insurance Info
GAPONLY
Claim on the spot. Less out of pocket at the vet.
Only GapOnly® ready policies process your pet insurance claim while you’re still at the vet. You simply pay the gap (the difference between the vet’s invoice and your eligible claim benefit) and off you go.
GapOnly® is powered by PetSure, Australia’s leading pet insurance administrator. PetSure powers the pet insurance propositions of more than 20 brands, including some of Australia’s most recognisable brands, such as Everyday Insurance from Woolworths, RSPCA, PetBarn, Medibank, Bupa and HCF.
Only GapOnly® ready policies process your pet insurance claim while you’re still at the vet. You simply pay the gap (the difference between the vet’s invoice and your eligible claim benefit) and off you go.
GapOnly® is powered by PetSure, Australia’s leading pet insurance administrator. PetSure powers the pet insurance propositions of more than 20 brands, including some of Australia’s most recognisable brands, such as Everyday Insurance from Woolworths, RSPCA, PetBarn, Medibank, Bupa and HCF.
Vetpay
VetPay is a payment plan that lets you pay for your pets treatment over time, you pay your vet an initial deposit, and Vetpay will direct debit the balance in fortnightly repayments from your nominated bank account.
VetPay is Committed to supporting the integrity and ethics of the Veterinary Industry by partnering with Veterinarian Practices to offer a flexible payment plan to ensure the optimum level of health for all animals, while also encouraging responsible pet ownership within Australia.
VetPay is Committed to supporting the integrity and ethics of the Veterinary Industry by partnering with Veterinarian Practices to offer a flexible payment plan to ensure the optimum level of health for all animals, while also encouraging responsible pet ownership within Australia.
Afterpay
Pay your Vet bills in 4 interest free payments with Afterpay
We’re excited to introduce Afterpay, giving you the freedom to take care of your pet with flexible, interest-free payment options that make managing costs easier than ever.
We’re excited to introduce Afterpay, giving you the freedom to take care of your pet with flexible, interest-free payment options that make managing costs easier than ever.
Common Payment and Insurance Questions
A 50% deposit is required for hospital admissions and procedures, including emergency treatment and scheduled procedures. For booked procedures, the deposit is required to secure your booking.
The remaining balance is payable upon completion of your pet's treatment.
If your pet is insured through an eligible GapOnly provider and we have received pre-approval, you may only need to pay the estimated gap amount as your deposit.
We accept:
Debit cards
Visa
MasterCard
American Express
GapOnly for eligible pet insurance claims
VetPay
Afterpay
Yes, if your pet insurance policy is eligible for GapOnly, powered by PetSure.
Once your final invoice is ready, we can submit your claim. Your insurer will confirm how much is covered, and you pay the remaining balance.
If your insurer doesn't participate in GapOnly, you'll need to pay VSOS directly and submit a claim to your insurance provider for reimbursement.
Yes. If your policy is eligible for GapOnly, we can submit a pre-approval request based on your treatment estimate.
Pre-approvals generally take a few hours. Once approved, we can advise you of the estimated amount you'll need to pay, rather than requiring the standard 50% deposit.
To arrange this, we'll need your contact details, address and pet insurance policy number.
This depends on your individual insurance policy, including its benefits, exclusions and coverage limits.
VSOS cannot guarantee how much your insurer will pay. We recommend contacting your insurer directly to understand your coverage before treatment.
If your insurer doesn't cover the full amount, you're responsible for the remaining balance.
GapOnly claims are subject to the insurer's processing hours. If your claim cannot be processed at the time of treatment, you may need to pay the bill directly and claim reimbursement through your insurer.
Our reception team can explain the available options.
VSOS doesn't provide payment plans directly, but we offer two external payment options:
VetPay: Allows eligible clients to pay for veterinary treatment over time through scheduled repayments.
Afterpay: Allows eligible clients to spread payments across four interest-free instalments.
Our reception team can help explain these options and how to apply.
Our fixed-price procedure bundles have specific inclusions and exclusions.
Additional charges may apply for:
Unexpected stays in the Intensive Care Unit (ICU)
Treatment of unforeseen complications
Emergency admission fees or diagnostic costs incurred before confirmation of the bundled procedure
For more information, please see our Fixed-Price Procedure Bundles page >
