Legal stuff. Sorted.
New Policy Terms and Conditions
Policy Terms and Conditions
These terms and conditions are required to be read before the purchase of a new policy
General Advice Warning
Any advice provided is general only, has been prepared without taking into account your objectives, financial situation or needs and may not be right for you. Consequently, before acting on this information, you should consider the appropriateness of this information having regard to your objectives, financial situation and needs. It is important that you carefully read the Combined Financial Services Guide and Product Disclosure Statement (PDS) before deciding to buy or continue to hold this product.
The Issuer, Promoter and Administrator
This policy is issued by PetSure (Australia) Pty Ltd ABN 95 075 949 923, AFSL 420183 (PetSure) and promoted and distributed by PetSure's Authorised Representative (AR) Luna Pet Health Pty Ltd ABN 15 693 087 722, AR 1319575 (Luna Pet Health), (trading under brand name Ruff'n'Tumble). Please consider the Product Disclosure Statement (PDS) to ensure this product meets your needs before purchasing or choosing to continue with the product. PDS and Target Market Determination available at ruffntumble.com.au.
Your duty to take reasonable care not to make a misrepresentation when you enter into the contract with us for the first time.
Before you enter into this contract of insurance, you have a duty to take reasonable care not to make a misrepresentation. What that means is that you need to take reasonable care to provide honest, accurate and complete answers to any questions that we ask.
If you are not sure of the answers to any of our questions, you should take the time to find them. It is also important to understand that, in answering the questions, you are answering for yourself and anyone else to whom the questions apply.
If any of our questions are not clear to you and you need help, please contact us. The duty to take reasonable care not to make a misrepresentation applies until the contract is entered into (or renewed, varied, extended or reinstated as applicable).
If you do not comply with your duty to take reasonable care not to make a misrepresentation
If you do not take reasonable care in answering our questions or inform us of changes to the information set out in your policy documentation, you may breach your duty. If that happens, your policy may be cancelled, or treated as if it never existed, and any claim may be denied or not paid in full.
General Exclusions and Pre-existing Conditions
The policy is subject to some general exclusions including pre-existing conditions. If a condition existed or occurred prior to the commencement date of the first policy period or within an applicable waiting period, it may be excluded from cover as a pre-existing condition. Some conditions are eligible for review after an 18-month period – Refer to your Product Disclosure Statement for more information and a detailed explanation of how general exclusions may affect your cover.
Your Premium
This application is for a new policy. There is no continuation of cover from any current or previous pet insurance policies you have held.
Please contact us if you would like to continue having cover for conditions that were first noted and covered under a policy within the PetSure portfolio of brands.
The amount payable includes the premium payable to the insurer, and all GST, stamp duty and other government taxes, fees and charges. This amount will be debited as agreed from the nominated credit card or bank account, which you have authorised PetSure to debit, if it agrees to issue the cover.
Your premium is calculated based on a combination of factors and these can affect the premium amount depending on whether we believe it increases or decreases the risk to us. Your premium may also include discounts or promotional offers which may only apply in the first period of cover. Each month, we’ll notify you of changes to your premium. Further details on the factors used to calculate your premium are detailed in your PDS.
Your policy is set to renew automatically each month, for as long as we continue to provide this product subject to the terms and conditions of the policy. You can opt-out of the automatic renewal process at any time by contacting us.
Your premiums will be collected by us directly from your nominated credit card or bank account. You should be aware that unless you tell us otherwise, your authority to debit this account/use this card also applies to any automatic renewals. If paying by direct debit, you confirm that you have sole authority. If paying by credit card and the card is not yours you confirm you have the authority of the relevant person to use it and they have agreed to these terms.
Luna Pet Health may receive a commission of up to $6.25 per month per policy for promoting Ruff'n'Tumble policies. This commission is used by Luna Pet Health to cover the costs associated with the marketing and distributing of this product to you.
Commencement of your Policy
Acceptance of your application is not guaranteed. If accepted, we will issue you a policy number. Cover for your policy starts at 11:59pm (1 minute to midnight) NSW time on the day you have selected to commence your policy from and is subject to waiting periods.
There is a two-day waiting period after the commencement of your policy for accidental injuries.
The waiting period for cruciate ligament conditions and any conditions arising therefrom irrespective of cause or origin are subject to a six-month waiting period from the commencement date of the first policy period.
These waiting periods apply from the commencement date of the first policy period.
Your Privacy
Luna Pet Health and PetSure are committed to protecting your personal information and complying with Australian privacy laws. You can read about how we collect, use and disclose your personal information in our privacy policies.
To obtain the latest version of our Privacy Policy, please visit ruffntumble.com.au.
If you would like a copy of the privacy policy of PetSure, please visit https://petsure.com.au/.
Combined Financial Services Guide and Product Disclosure Statement
Upon acceptance of your application, within 5 days, you will be emailed a hyperlink to your downloadable Combined Financial Services Guide and Product Disclosure Statement (Policy Booklet) and your Certificate of Insurance. You should carefully read these documents to ensure the product meets your needs. If you have any questions about your policy, please contact us at support@ruffntumble.com.au.
.png?width=1529&height=124&name=Vector%206%20(1).png)
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.
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 25 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 ruffntumble.com.au. Policies are issued by PetSure (Australia) Pty Ltd.
Offer commences on 1 November 2026 at 12:00am AET and ends on 30 April 2027 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 WES2MF 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 ruffntumble.com.au. Policies are issued by PetSure (Australia) Pty Ltd.
Summary
EditPolicy Cover Summary:
- Accidental injuries such as tick and snake bites, motor vehicle accidents, broken bones and dog park injuries. See PDS for full list of inclusions.
- 100% reimbursement of eligible vet expenses after the $500 excess for each accidental injury.
- No annual limits, sub-limits or payout limits.
- Cancel at any time.
- 2-day waiting period (6 months for cruciate ligament injuries).
- GapOnly® claiming.