Pet insurance without a quote? It's not only possible, it's available in Australia right now. By offering accident-only cover for dogs at a flat $40 per month price point, Ruff'n'Tumble has traded quotes for certainty and no-frills insurance that just works.
Most insurance policies begin life as a quote. Every situation is different, and what works for you may not be suitable for the next person.
The quote is the first step towards an appropriate level of policy. You're letting your potential insurer know your needs, and in return, they're telling you what they can do for you and how much it'll cost.
WHY IS MY PET INSURANCE QUOTE HIGHER THAN EXPECTED?
This process may seem simple, but the results can complicate or even derail your intentions of scoring a pet insurance policy that looks after your pet.
Why was your quote higher than expected? There are any number of reasons.
Maybe your dog's breed is excluded or loaded. Maybe your dog's age was too high, or too low. Maybe you live in a tick hotspot. Or maybe you opted for a lower excess.
These are factors that can drive up a quote's price significantly. If what you're quoted is beyond what you expected to pay, you're likely to have second thoughts. If your dog isn't even supported, due to their breed or advanced age, or even pre-existing conditions, you're back to square one.
And even if you go with what you're quoted, many policies have premiums that rise as your dog ages or by how much you claim.
CAN I GET DOG INSURANCE IN AUSTRALIA WITHOUT A QUOTE?
You can. Ruff'n'Tumble looked at this situation and saw a problem...and an opportunity. From the beginning, we set out to do away with the need for quotes by featuring a flat fee.
And no annual claim limits.
And no restrictions on age or breed.
And no adjustable excess.
And policies that strictly cover accidents, not illness.
And just a two-day waiting period for eligible accidental injuries.*
WHAT DOES ACCIDENT-ONLY DOG INSURANCE COVER?
The word eligible may seem to be doing a bit of heavy lifting here, but the Ruff'n'Tumble definition of an accident is quite broad. Motor vehicle accidents, rough play, snake bites, toxicity, foreign body ingestion and tick paralysis all fall under the accident umbrella along with several others.
And for a flat excess of $500 per eligible accident, your dog is covered for treatment and care through to recovery.
No claim limits, only $500 excess per eligible accident, no complicated sign-up process. In fact, it's just three steps.
HOW CAN I SIGN UP?
Before you get started, put away that pile of information usually required for a quote; you won't need it here.
You just need your details, your dog's name and age, and your payment details. Three simple steps and you're covered against all sorts of accidents that dogs are likely to have.
Of course, there are limits to this streamlined approach. The accident-only nature of the cover is the big one; illness, hereditary conditions and routine care are out. And cruciate ligament conditions attract a longer waiting period (six months instead of two days), but you can apply for an exemption.
But the trade-off is significant: no-quote accident insurance for any dog, sans premiums that rise with age. And hey, you can quote us on that.
Frequently Asked Questions
Why is my pet insurance quote higher than expected?
A pet insurance quote can be higher than expected due to a dog's breed, age or location. Choosing a lower excess also raises the premium.
Can I get dog insurance without a quote in Australia?
Yes, accident-only dog insurance is available in Australia without a quote. Ruff'n'Tumble charges a flat $40 a month for cover, with a flat $500 excess on each eligible accident.
What does accident-only dog insurance cover?
Ruff'n'Tumble covers sudden accidental injuries such as motor vehicle accidents, snake bites and swallowed objects, from the scene of the accident through to recovery. Each eligible claim carries a flat $500 excess.
How do I sign up for dog accident insurance?
Signing up for accident-only dog insurance with Ruff'n'Tumble takes just three steps: providing your name, your dog's name and your payment details. No quotes necessary.
Does pet insurance cover pre-existing conditions?
Pet insurance, including accident-only cover such as Ruff'n'Tumble's, does not cover pre-existing conditions, meaning any injury your dog had before the policy started.
Why do pet insurance premiums increase as a dog ages?
The older a dog gets, the greater their susceptibility to illness, making them a tougher prospect for insurance. By sticking to accidents only, Ruff'n'Tumble can charge a flat monthly fee that does not rise with a dog's age.
Is there a waiting period for dog accident insurance?
Ruff'n'Tumble has a two-day waiting period for eligible accidental injuries, except for cruciate ligament conditions, which carry a six-month waiting period.
Are certain dog breeds excluded from pet insurance?
Some pet insurance policies exclude certain dog breeds or load their premiums higher based on breed, as some breeds are more susceptible to particular illnesses or conditions. Ruff'n'Tumble places no restrictions on breed, covering dogs of any breed under the same flat monthly fee.
*There is a two-day waiting period for accidental injuries (excluding cruciate ligament conditions which have a six-month waiting period).
