Ruff 'n' Tumble

Ruff 'n' Tumble is the dog-side accident brand of Luna Pet Health, an authorised representative of PetSure, and the sister product to cat-only 9 Lives. The pair strip pet insurance back to flat-priced accident cover: $40 a month for any dog, any breed, any age, with no annual limits or sub-limits and 100% reimbursement after a per-accident excess. Policies renew monthly with no lock-in contract and are sold entirely online, with GapOnly claiming at participating vets.