Mishap Protection for dogs who do dumb things.
Simple accident cover that helps with eligible vet costs when your dog has a sudden mishap.
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Cover the dumb things dogs do
Get your dog covered
in under 3 minutes
What am I signing up for? For $40 per month you'll be covered for the following:
- 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 not included:
- 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 payment details to start your cover
Offer commences on 16 May 2026 at 12:00am AEST and ends on 30 June 2027 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.
Offer commences on 1 July 2026 at 12:00am AEST and ends on 30 June 2027 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 DOGLOVERS 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.
Offer commences on 1 August 2026 at 12:00am AEST and ends on 31 October 2026 at 11:59pm AEST (Offer Period). The Offer applies to the first two months (two policy periods) of cover only, from the selected policy commencement date. Eligible customers will not be charged any premium for the first two policy periods (months), with the Offer applied to the premium at the time of purchase and to the premium on the first policy renewal. If the policy renews, the applicable monthly premium will be charged from the third month of the renewing policy, unless the policy is cancelled in accordance with the policy terms and conditions. The promo code RNT2MF must be entered online by the customer at the time of purchase for this Offer to apply. The Offer applies to new Ruff ‘n’ Tumble Mishap Insurance policies only and is limited to one Offer per customer for one eligible policy. The Offer cannot be used in conjunction with any other offer unless stated otherwise. The Offer is available online only. No refund or credit is payable if the policy is cancelled during the first two months of cover. 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 ruffntumble.com.au. Policies are issued by PetSure (Australia) Pty Ltd.
Summary
EditPolicy Cover Summary:
- Product Suitability
- Terms and Conditions of Policy
- Product Disclosure Statement and Target Market Determination
- Privacy Collection Notice