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Accident insurance.
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Cover canine mishaps
with accident insurance.Just $40 a month. Any Dog. Any Breed. Any Age.
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Expect the unexpected.
Accident-only dog insurance. Just $40 a month.
We’re Ruff ‘n’ Tumble...
Why choose us?
They fear nothing. You fear big bills. And accidents don’t wait for your vet bill savings jar to fill up.
What dog accidents actually cost
You may think foolish dog behaviour won’t break the bank, but accidents can quickly escalate.
Check out PetSure’s top accident claims for 2025:
| Condition | Cause | Max Cost |
|---|---|---|
| Tick paralysis | Tick exposure at park or grassed areas | $59,000 |
| Ingestion | Swallowed toys, food or foreign objects | $28,000 |
| Fracture | Falls, collisions or rough play indoors | $27,000 |
| Poison | Chocolate, grapes, vermin bait or household chemicals | $23,000 |
| Cruciate ligament | Sudden twist while running or chasing a ball | $18,000 |
| Heat stroke | Overexertion on hot days | $13,000 |
| Insect bite | Bee or wasp sting at park or in the garden | $13,000 |
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FURRR
FACTS
>$6,770
Top 10% of tick paralysis cases claim over this amount
*PetSure claims data 2025 -
FURRR
FACTS
$59,147
Rusty's owners made the top tick paralysis claim in 2025. Bark that!
*PetSure claims data 2025 -
FURRR
FACTS
$2,984,817
total claims paid in 2025 for tick paralysis treatment.
*PetSure claims data 2025 -
FURRR
FACTS
871 pets affected
Tick paralysis isn’t rare — and it’s already costing millions every year.
*PetSure claims data 2025
Cover the dumb things dogs do
Enter your details
What's in for $40
- Accidental injuries – common examples include tick bites, snake bites, motor vehicle accidents, broken bones, dog park injuries and more. See PDS for full details.
- You pay a $500 excess for each accidental injury; we reimburse 100% of the eligible vet expenses thereafter
- No annual limits, sub-limits or pay out limits
- GapOnly® claiming
- 2-day waiting period (6 months for cruciate ligament injuries)
What's Out for $40
- Illnesses
- Pre-existing conditions
- Routine health checks and vaccinations
- Other general exclusions
An accidental injury refers to physical harm or an injury to your pet that results from:
- an unexpected and unintended external event that occurs suddenly at a specific time and place; and
- is independent of any illness or any pre-existing condition.
An accidental injury excludes any physical harm resulting from any illness.
Common examples of accidental injuries include motor vehicle incidents, injuries caused by another animal including rough play, falls, snake bites, cuts, toxicity, or swallowing an object that requires removal.
Means a condition that first existed or occurred:
- prior to the commencement date of the first policy period; or
- within any applicable waiting period,
for which you were aware, or a reasonable person in your circumstances could be expected to have been aware, of signs or symptoms of the condition, irrespective of whether the underlying cause of those signs or symptoms has been diagnosed.
A pre-existing condition also includes a related condition of a pre-existing condition.
Some general exclusions include: behavioural conditions, dental, medicated baths and shampoos, accessories, desexing, elective treatments, training, preventative case e.g. vaccines. See PDS for a full list of exclusions.
Your acknowledgement
Enter your payment details
Offer commences on 16 May 2026 at 12:00am AEST and ends on 30 June 2026 at 11:59pm AEST (Offer Period). The Offer provides eligible customers with one (1) month of insurance policy cover when a new Ruff ‘n’ Tumble Mishap Insurance policy is purchased during the Offer Period (Offer).
The Offer applies to the first month of cover only, from the selected policy commencement date. No premium will be charged for the first month of cover. From the second month onwards, premiums will be charged at the applicable monthly rate unless the policy is cancelled in accordance with the policy terms and conditions.
The DOGLOVERS26 promo code must be entered during the application for this Offer to apply.
The Offer applies to new Ruff ‘n’ Tumble Mishap Insurance policies only, is limited to one Offer per policy, and cannot be used in conjunction with any other offer unless stated otherwise.
The Offer will cease if the policy is cancelled during the first month of cover. Ruff ‘n’ Tumble reserves the right to withdraw, vary, or extend the Offer at any time. Eligibility criteria, exclusions, waiting periods, excesses, and benefit limits apply—refer to the PDS at ruffntumble.com.au. Policies are issued by PetSure (Australia) Pty Ltd.
Summary
EditI have read and acknowledged:
- Aged 18 years+
- Product Suitability
- Terms and Conditions of Policy
- Product Disclosure Statement and Target Market Determination
- Privacy Collection Notice
