Our Remaining Verdict
We give Pet Care Insurance coverage a score of 4.8 out of 5 stars.
As a enterprise proprietor, having insurance coverage is so necessary – particularly in case you work with animals for a residing! As a lot as we try to make sure the whole lot goes easily and our furry mates are effectively cared for, accidents occur. For the entire canine walkers, pet groomers, sitters, and extra, Pet Care Insurance coverage strives to guard pet professionals when one thing doesn’t go in accordance with plan. If Fido has an emergency and it is advisable to rush him to the vet, Pet Care Insurance coverage (PCI) will assist cowl a few of these unexpected bills.
Pet Care Insurance coverage Assessment
Execs
- Insurance coverage designed completely for the pet business, together with widespread pet-care jobs resembling grooming, boarding, and canine strolling
- Reasonably priced compared to different enterprise legal responsibility insurances
- Quite simple sign-up course of
- Base package deal contains plenty of nice protection
- Submitting a declare is easy and quick
Cons
- $250 deductible for veterinary service claims
- Completely covers pet-care companies, nothing else
- Most companies might want to buy a number of add-ons to be absolutely protected
About Pet Care Insurance coverage
Pet Care Insurance coverage (PCI) is designed completely for professionals within the pet business to guarantee that they’re coated together with the entire treasured creatures of their care. The place most insurance coverage firms are extra of a basic coverage for companies, PCI creates insurance policies completely for issues that solely these within the pet business would expertise!
Having been round for over 10 years and at present insuring 14,000+ pet care professionals (in accordance with the PCI web site), I imagine there’s a cause so many belief this specific firm to have their again if one thing goes mistaken. PCI is a subdivision of Veracity Insurance coverage, a significant firm that many within the enterprise world know effectively.
PCI particularly covers the next pet-care business professionals:
- Pet Sitters
- Canine Walkers
- Pet Groomers (brick and mortar and cell)
- Canine Trainers
- Pooper Scoopers
- Pet Kennels
- Doggy Daycares
- Pet Boarders
- Cat Sitters
- Canine Sitters
- Pet Taxis
The advantage of PCI over a few of the different widespread pet business insurance coverage firms is their deal with maintaining the method quite simple and streamlined, with nice communication between customer support brokers and the insurance coverage purchasers. The coverage is taken into account very reasonably priced in comparison with others, and on-line critiques of present clients all state that submitting a declare is straightforward and quick.
Nevertheless, PCI may be very unique to pet industries solely, so if pet care is simply a portion of your corporation – don’t count on the opposite non-pet associated elements to be coated. PCI additionally takes a hefty $250 – $500 deductible on any veterinary claims (resembling a pet getting injured in your care and needing veterinary companies) which is the very best I’ve at present seen. This does steadiness out with the truth that there isn’t any deductible for claims regarding basic legal responsibility, animal bailee, or pet groomers.
PCI is offered in the entire United States.
Pricing & Plans (Up to date in 2024)
Pet Insurance coverage Price Comparability
| Firm | Pattern Month-to-month Price | Study Extra |
| Pet Care Insurance coverage | Premiums begin at $13.33/month | Get Quote |
| Pet Sitter Associates, LLC | Premiums begin at $16.58/month | Get Quote |
| Alternative Plus Insurance coverage Providers | Premiums begin at $35.40/month | Get Quote |
| Mourer-Foster, Inc.
Kennel Professional |
Premiums begin at $35.40/month | Get Quote |
| Hiscox | Premiums begin at $56.66/month | Get Quote |
| NEXT | Premiums begin at $23.75/month | Get Quote |
| Thimble | Premiums begin at $30.25/month | Get Quote |
Base Coverage
The bottom coverage contains protection for the entire following, which then expands primarily based on what business is chosen when getting an insurance coverage quote:
- Common Legal responsibility Protection
- Merchandise-Accomplished Operations
- Private and Promoting Damage
- Injury to Premises Rented to You
- Medical Expense
- Animal Bailee
- Veterinarian Expense Reimbursement (No matter Fault)
- Misplaced Key Legal responsibility Protection
Customizations
The bottom coverage gained’t absolutely defend sure pet-care industries, so buying further customizations will likely be vital for lots of pet professionals. PCI presents the next add-ons:
Greater Animal Bailee Protection Limits
Will increase the yearly restrict.
Broadened Property Injury Protection
Will increase the protection for property that’s broken by pets in your care, whether or not the property is yours or a shopper’s. This additionally covers cases through which basic legal responsibility wouldn’t, resembling flooding brought on by a damaged rest room that occurred when the pet sitter used it.
Canine Coaching Protection
Covers incidents associated to coaching past the fundamental instructions of sit and keep, covers pet corrective behavior training, and on-leash obedience coaching.
Worker Dishonesty
Protects the enterprise proprietor from incidents regarding their staff being dishonest, negligent, and fraudulent (resembling embezzlement, yikes!).
Home Sitting Protection
Covers in a single day care, drop-in visits, and meals, water, and medicine administration.
Unbiased Contractors Protection
Further protection for impartial contractors and people employed by the enterprise proprietor.
Pet Daycare
Covers in a single day care ought to that come up, daytime care and train for the pet, and meals, water, and medicine administration.
Pet Groomers Skilled
Covers pet grooming, common enamel cleansing, and different claims that come up completely from pet grooming companies.
Pet Taxi Protection
Covers claims regarding the transportation of pets.
Tools & Stock Protection
This covers broken or stolen tools, stock, and provides.
On-line Safety Insurance coverage
Numerous funds at the moment are taken on-line, this insurance coverage protects the pet-care skilled from cyber assaults and hacking liabilities.
Deductibles & Claims
There isn’t a deductible for any declare besides veterinarian expense reimbursement, in which there’s a deductible of $250 listed on the web site, however PCI impartial overview web sites do state the deductible might rise as excessive as $500 relying in your coverage.
Submitting a declare may be very simple, you simply log into your account and fill out the net type. An agent from PCI will attain out inside 24-48 hours of submitting your declare.
What Does Pet Care Insurance coverage Cowl?
The next is included in each single coverage no matter pet-care business, with further coverages capable of be bought. These numbers are topic to vary primarily based in your particular wants.
| Protection Merchandise | Annual Restrict |
| Common Legal responsibility Protection | $1,000,000 (Every Prevalence)
$2,000,000 (Combination Restrict) |
| Merchandise-Accomplished Operations | $2,000,000 |
| Private and Promoting Damage | $1,000,000 |
| Injury to Premises Rented to You | $100,000 (Any One Premises) |
| Medical Expense | $5,000 (Any One Individual) |
| Animal Bailee | $2,500 (Every Prevalence)
$5,000 (Combination Restrict) |
| Veterinarian Expense Reimbursement | $1,000 (Every Prevalence)
$2,500 (Combination Restrict) $250 (Deductible) |
| Misplaced Key Legal responsibility | $2,000 (Every Prevalence)
$2,000 (Combination Restrict) |
PCI doesn’t cowl the next:
- Any animals owned by the insured or breeding
- Housesitting operations (with out pets current) that generate greater than 45% of your annual revenues
- Landscaping companies
- Livestock or cattle
- Pet companies or daycare operations of greater than 10 pets at anyone time
- Petcare for animals that aren’t widespread family pets
- Pet taxi operations of greater than 5 pets at anyone time
- Follow or participation in any athletic contest, exhibition, exercise, recreation, or sport
- Skilled veterinarian companies
- Coaching operations of service, guard, safety, assault, or combating canine
Ready Intervals
There isn’t a means for PCI to state precisely how lengthy every declare ready interval will take, however a consultant will get in contact inside 24-48 hours after a declare has been submitted. By on-line overview, it appears most instances are taken care of inside every week!
Critiques from Clients
The client critiques on the PCI web site (through Google critiques) itself all are likely to revolve round how simple and easy it’s to get a coverage, and the unimaginable charges supplied when in comparison with different insurance coverage firms!
Unbiased critiques on web sites resembling Reddit present that PCI is usually in comparison with Pet Sitter Associates, LLC, which is the opposite widespread pet-care insurance coverage firm. PCI tends to beat out PSA in on-line discussions on boards as a result of PCI doesn’t have a deductible for its claims (apart from veterinary bills) whereas PSA absolutely does. PCI was additionally famous as being sooner to reply!
Incessantly Requested Questions (FAQ)
What Is Animal Bailee?
Animal Bailee is a reputation given to a kind of enterprise insurance coverage that covers the animals in your care, custody, or management that don’t belong to you. Ought to you end up legally liable for accidents, damages, or (absolute nightmare state of affairs) demise sustained by an animal, Animal Bailee will defend you.
Is The Coverage Refundable If Canceled?
The coverage will not be refundable if canceled if the coverage has already begun.
What About Insurance coverage For My Private Pets?
PCI is completely for pet-care professionals, not insurance coverage for private pets. Nevertheless, PCI is partnered with Trupanion, which is a pet insurance for your furry loved ones.
Our Verdict
In conclusion, Pet Care Insurance coverage undoubtedly feels like a strong selection for any pet care skilled. Not solely does PCI have protection that’s unique to the pet business (which implies that the claims coated will all revolve round widespread issues a pet care business professional would possibly face), but it surely’s fairly simple to get began and customise on your wants! Even in case you run a number of pet-care companies, a single personalized coverage can cowl all of them.
Though the bottom coverage undoubtedly gained’t cowl most pet industries, it doesn’t really price a complete lot extra so as to add the entire further customizations. The dearth of deductible for many claims is completely incredible, and the deductible for vet bills form of evens out contemplating there isn’t any deductible for the whole lot else. All in all, a terrific choice for anybody who works with pets for a residing!
