• Accident insurance.
    Just $40 per month.
    Any breed, any age.

    First two months of cover on us. T&Cs apply *.
    Use promo code: RNT2MF at checkout

  • BARK ME 2

    Cover canine mishaps
    with accident insurance.

    Just $40 a month. Any Dog. Any Breed. Any Age.

  • NO FEAR & NO MONEY 1

    Expect the unexpected.

    Accident-only dog insurance. Just $40 a month.

We’re Ruff ‘n’ Tumble...

...accident insurance that covers the dumb things dogs do.
For just $40 per month, you can worry less about big bills when your dog swallows the squeaky toy or launches from the lounge.
Any mishap, any dog, any age, any breed – one low-cost monthly fee.
No lock-in contracts
No annual claim limit
No dramas
And we’re backed by PetSure, Australia’s largest pet insurance company, so when we say you’re covered, you’re covered.

Why choose us?

They fear nothing. You fear big bills. And accidents don’t wait for your vet bill savings jar to fill up.

Younger dogs are more likely to have an accident than an illness. 
Older dogs don’t always get wiser with age – and they’re more fragile. 
Easier to budget a single monthly payment than an unexpected vet bill. 
Backed by PetSure, Australia’s largest pet insurer.

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
*Figures based on 2025 PetSure claims data
iStock-1187440590 1
  • 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

Mishap stories

  • BAXTER SWALLOWED
A CORN COB

    Testing
    gettyimages-2095115871-612x612 1
  • We were always worried about snakes

    AdobeStock_310462459 1
  • Missed it by that much

    gettyimages-509119713-612x612 3
  • Bones aren’t always a dog’s best friend

    gettyimages-509119713-612x612 3

Fetching some answers

Cover the dumb things dogs do

*Offer commences on 1 August 2026 at 12:00am AET and ends on 31 October 2026 at 11:59pm AET (Offer Period). Offer provides new customers with two consecutive policy periods (equivalent to two months of cover) free of charge when they purchase a new Ruff ‘n’ Tumble Mishap Insurance policy online during the Offer Period (Offer). Offer only applies to the first two policy periods from the initial policy commencement date. Eligible customers will not be charged a premium for the first two policy periods. The Offer will be applied to the premium at the time of purchase and to the premium on the first policy renewal. Premium payments will commence from the third policy period (month 3), provided the policy continues to be renewed and is not cancelled in accordance with the policy terms and conditions. Promo code RNT2MF must be entered online by the customer at the time of purchase for this Offer to apply. Offer applies to new Ruff ‘n’ Tumble Mishap Insurance policies only and is limited to one redemption of the Offer per customer during the Offer Period.   Offer cannot be used in conjunction with any other offer unless stated otherwise. Offer is available online only. No refund or credit is payable if the policy is cancelled during the first two policy periods. Ruff ‘n’ Tumble reserves the right to withdraw, vary, or extend the Offer at any time, without notice. Eligibility criteria, exclusions, waiting periods and excesses apply—refer to the PDS at www.ruffntumble.com.au.  Policies are issued by PetSure (Australia) Pty Ltd.