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Mishap Protection for the dumb things dogs do.

Simple accident cover that helps with eligible vet costs when your dog has a sudden mishap.

Because dogs have no fear... and no money

Dogs will be dogs. Dogs are clever. Dogs are wonderful. They’re loyal, loving, enthusiastic…and occasionally spectacularly reckless.

They swallow things they shouldn’t. Eat things that definitely aren’t food.
And run full speed into situations they probably shouldn’t. Sometimes those moments turn into vet visits.

That’s why we created Ruff ‘n’ Tumble Mishap Protection.
$40 a month. Any Dog. Any Breed. Any Age. Start or cancel anytime.

That’s why we created Ruff ‘n’ Tumble Mishap Protection. $40 a month. Any Dog. Any Breed. Any Age. Start or cancel anytime.

$4,329
The average cost to repair a broken bone*
*2025 PetSure Claims Data

What counts as a Mishap (Accident)?

We call it Mishap Protection — but in insurance terms, it’s an accident. That means one sudden, unexpected event that causes physical injury. Some common examples include:

  • motor vehicle incidents
  • injuries caused by another animal including rough play
  • falls
  • snake bites 
  • cuts
  • toxicity
  • or swallowing an object that requires removal. 
     

Why accident-only cover?


Because dogs are unpredictable.

They have no fear… and no money. Accidents get expensive fast. Accident-only cover keeps things simple and clear, so you only pay for the cover you actually want.

Group 254

What we help cover (when it’s mishap-related)

The injury is just the start — it’s not always obvious what’s gone wrong and we’ve got your back for what comes next.

If it’s an accident and your dog ends up at the vet, we can help with eligible costs like:

  • Emergency vet visits

  • Tests and diagnostics (blood tests, x-rays, scans)

  • Treatment and procedures
    Surgery (if needed)

  • Hospital stays

  • Medication

  • Follow-up care related to the accident

In short, accidents aren’t just the injury, it’s everything that comes after to get them back on their paws.

What’s not covered?


Anything that your dog gets, catches, or develops over time. This includes things like cancer, diabetes, arthritis, allergies, and infectious disease — plus routine care like vaccinations, wellness checks, and dental cleans.

 And just so it’s clear: even if it was an accident, if it happens before or during the waiting period that’s not covered either. 

Dogs explore the world with enthusiasm.
Sometimes that enthusiasm leads them into trouble.
Even careful dog owners experience unexpected mishaps.

What dog accidents actually cost

Many pet owners assume vet bills stay under $1,000.

 

But accidents can cost far more.

Condition Cause Avg Cost
Tick paralysis Tick exposure in grassed areas $3,800 – $59,000
Swallowed objects Toys, food, or foreign objects $1,700 – $28,000
Fractures Falls or collisions $4,500 – $27,000
Poison Chocolate, grapes, chemicals $800 – $23,000
Cruciate ligament Sudden twist while running $4,000 – $18,000
Heat stroke Overexertion on hot days $2,700 – $13,000
Insect bites Bee or wasp stings $500 – $13,000
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Cover the dumb things dogs do