With GapOnly, you only need to pay the ‘gap’ – the difference between the vet’s charges and the amount covered by your policy. However, it’s possible to have no gap on your pet insurance claim, such as if your policy covers the entire cost of a certain treatment. In these cases, you wouldn’t need to pay anything. However, it’s important to note that the gap amount can vary depending on the specific services or treatments your dog or cat requires, the coverage limits of your policy and any applicable excess requirements.