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We designed Finder Score to make comparing pet insurance easier, assessing more than 20 products for their price and features. Finder Score assigns each product a score out of 10.
Focused, accident-only cover: Ruff 'n' Tumble covers accidental injuries only, keeping the product simple and the price low.
No payout limits: Most pet insurance policies cap how much you can claim each year. Ruff 'n' Tumble applies no annual limit, no sub-limits and no payout caps on eligible accident claims.
A flat price for life: The monthly premium is a flat $40 and does not increase as your dog gets older or after you make a claim. What you pay in year one is what you pay in year ten.
No lock-in contract: There is no lock-in contract. You can start or stop your cover whenever you like, though waiting periods reapply if you take out a new policy.
GapOnly® claiming: At participating vets, GapOnly® lets you pay only the gap between the vet's invoice and the eligible claim benefit at the time of your appointment, so there are no claim forms to fill in and no waiting for reimbursement.
Backed by PetSure: Ruff 'n' Tumble is promoted and distributed by Luna Pet Health and underwritten by PetSure (Australia) Pty Ltd, Australia's largest pet insurer, with more than 25 years of claims experience.
What is covered?
Ruff 'n' Tumble covers accidental injuries, meaning a sudden, unexpected and unintended event that causes physical injury to your dog. Once you have paid the $500 excess for an accident, the policy reimburses 100% of the eligible vet costs that follow. Covered events and treatments include:
Motor vehicle incidents
Injuries from rough play or other animals
Falls
Snake bites and tick paralysis
Cuts and fractures
Poisoning and toxicity
Swallowing foreign objects
Emergency vet visits, tests and diagnostics such as blood tests, x-rays and scans
Surgery, hospital stays, medication and follow-up care
What isn't covered under Ruff 'n' Tumble Pet Insurance?
As an accident-only policy, Ruff 'n' Tumble does not cover illness or routine care. Exclusions include:
Illnesses such as cancer, diabetes, arthritis, allergies and infectious disease
Pre-existing conditions
Routine care, including vaccinations, wellness checks and dental cleans
Desexing, elective treatments and preventative care
Behavioural conditions, medicated baths and shampoos, accessories and training
Please note this is a summary. For the full list of exclusions, refer to the Ruff 'n' Tumble PDS.
Waiting periods and excess
A 2-day waiting period applies before you can claim for most accidental injuries. A longer 6-month waiting period applies to cruciate ligament conditions. A $500 excess applies to each accident, after which eligible costs are reimbursed in full.
How to submit a claim
You can claim with Ruff 'n' Tumble either through GapOnly® at a participating vet, or by lodging a claim yourself.
Using GapOnly® at a participating vet
Your dog is treated at a participating GapOnly® vet clinic.
Your vet submits the claim through GapOnly® at the time of your appointment.
The claim is assessed against your policy terms and conditions.
If approved, you pay only the gap between the vet's invoice and the eligible claim benefit.
Lodging a claim yourself
Log into your Ruff 'n' Tumble account and start a new claim.
Upload your supporting documents, such as the vet invoice and clinical notes.
Submit your claim and keep your claim reference somewhere safe.
Wait for the Ruff 'n' Tumble team to assess your claim and confirm the outcome.
FAQs
Ruff 'n' Tumble charges a flat $40 per month for dog accident cover. Unlike many pet insurance policies, this premium does not increase with your dog's age or after you make a claim.
No, Ruff 'n' Tumble applies no annual limit, no sub-limits and no payout caps on eligible accident claims. Once you have paid the $500 excess, the policy reimburses 100% of eligible vet costs.
Ruff 'n' Tumble covers dogs of any breed, age or size. There is no upper age limit for taking out a policy.
Ruff 'n' Tumble policies are issued by PetSure (Australia) Pty Ltd and promoted and distributed by PetSure's authorised representative, Luna Pet Health Pty Ltd.
Ceyda Erem is Finder’s senior writer for insurance and has almost 10 years of experience writing about personal finance. Formerly a copywriter for several business and finance clients, Ceyda has written hundreds of articles, guides, blogs and more to ensure Australians stay in the loop about how to best manage their money. She has a Bachelor of Arts, Majoring in Writing from Macquarie University.
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