Ruff 'n' Tumble strips dog insurance back to one product: accident-only Mishap Protection at a flat $40 a month for any breed, any age. There are no annual limits, sub-limits or payout caps — eligible vet expenses are reimbursed at 100% after a $500 excess per accident. Cover renews monthly with no lock-in contract, and GapOnly settles claims on the spot at participating vets. Illness is not covered; cat owners are directed to sister brand 9 Lives. PetSure issues the policy.
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