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 annual 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.