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

    Get your first month of cover on us. T&Cs apply *.
    Use promo code: DOGLOVERS at checkout

Introducing Ruff ’n’ Tumble

Accident-only dog insurance for $40 per month

Dogs approaching their twilight years are in good hands with Ruff'n'Tumble.  Advanced age can bring with it physical limitations, while cognitive decline can lead to a greater chance of sudden accidents. A Ruff'n'Tumble policy in place means your old friend can be covered in case life takes an unexpected turn. 

Some mishaps we cover

🤕Falls  🚗Motor vehicle incidents   🍫Toxicity   🐍Snake bites   👟Swallowing foreign objects   👾Tick paralysis

Get covered with Ruff ’n’ Tumble

Any mishap. Any dog. Any age. Any breed.

$40 per month

No lock-in contracts • No annual claim limit • No dramas

Backed by PetSure, Australia’s largest pet insurer.

What is accident-only pet insurance?

Accident  insurance narrows the cover to eligible injuries caused by sudden, unexpected accidents. And because it doesn't cover illnesses, it's simpler, more affordable and able to cover a wider range of breeds and age groups.

Feature Accident
only
Comprehensive
No age limit for older pets ✓ ✕
Price unaffected by age or breed ✓ ✕
No increase as pets age ✓ ✕
Eligible accidental injuries ✓ ✓
Focuses specifically on sudden, unexpected injuries ✓ ✕
Eligible illnesses
Cancer, diabetes, arthritis
✕ ✓
Lower-cost entry point ✓ ✕
Optional routine-care benefits ✕ ✓

Why choose us?

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

Older dogs don’t always get wiser with age – and they’re more fragile.
Younger dogs are more likely to have an accident than an illness.
Easier to budget a single monthly payment than an unexpected vet bill.
No lock-in contracts, start or stop anytime.
Backed by PetSure, Australia’s largest pet insurer.

Meet our family

Here are some of our happiest clients. Loved by you, covered by us. 

Flash
Jersey
Missy

What dog accidents actually cost

You may think their wildest years are behind them, but accidents can happen anytime, anywhere.

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
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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
  • 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
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  • 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

Ruff’n’Tumble is for dogs. If you have a cat, check out 9 Lives Accident Cover