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.

45%
Nearly half of all dogs required vet treatment for an accident last year*
*2025 PetSure paid claims data for accident-only policies
YOUR VET BILL $10,000
WE PAY: $9,500*
*There will generally be an access fee from around $500. Up to 90% are covered.

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. Things like falls, bites, burns, swallowed objects… and other dumb things dogs might do.

Accidents get expensive fast. Accident-only cover keeps things simple, clear, and affordable, so you only pay for the cover you actually want.

3 ways to claim

Pay with GapOnly® at your vet

Step  1:Vet visit.

Step 2:Claim is being processed at the vet.

Step 3:Only pay the gap at the vet.

Benefits:

Less paperwork
Less out of pocket
(you only pay the gap between the vet’s invoice and your eligible claim benefit)

Vet eclaim

Step  1:Vet visit.

Step 2:Vet can submit claims for you once bill is settled.

Benefits:

80% of veterinary clinics around Australia offer this service

Pet Portal

Step  1:Upload invoice.

Step 2:Submit claim.

Step 3:Track progress.

Benefits:

Easy claim process through the app or online
Available 24/7

What we will need from you:

Itemised vet invoice
Vet consultation notes

Sometimes additional information such as veterinary history or lab results 
may be required.  Most Vets will process this for you.

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