Pet Care Insurance Review 2024: Pros, Cons & Verdict

Pet Care Insurance Review 2024: Pros, Cons & Verdict

Our Final Verdict

We give Pet Care Insurance a ranking of 4.8 out of 5 stars.

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As a enterprise proprietor, having insurance coverage is so necessary – particularly if you happen to work with animals for a dwelling! As a lot as we attempt to make sure every part goes easily and our furry mates are properly cared for, accidents occur. For the entire canine walkers, pet groomers, sitters, and extra, Pet Care Insurance strives to guard pet professionals when one thing doesn’t go based on plan. If Fido has an emergency and you might want to rush him to the vet, Pet Care Insurance (PCI) will assist cowl a few of these unexpected bills.

Pet Care Insurance Review

  • Insurance designed completely for the pet trade, together with frequent pet-care jobs corresponding to grooming, boarding, and canine strolling
  • Affordable compared to different enterprise legal responsibility insurances
  • Very easy sign-up course of
  • Base package deal contains loads of nice protection
  • Filing a declare is straightforward and quick
  • $250 deductible for veterinary service claims
  • Exclusively 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

Pet Care Insurance (PCI) is designed completely for professionals within the pet trade to guarantee that they’re coated together with the entire treasured creatures of their care. Where most insurance coverage corporations are extra of a normal coverage for companies, PCI creates insurance policies completely for issues that solely these within the pet trade would expertise!

Having been round for over 10 years and at the moment insuring 14,000+ pet care professionals (based on the PCI web site), I imagine there’s a purpose so many belief this explicit firm to have their again if one thing goes fallacious. PCI is a subdivision of Veracity Insurance, a significant firm that many within the enterprise world know properly.

PCI particularly covers the next pet-care trade professionals:
  • Pet Sitters
  • Dog Walkers
  • Pet Groomers (brick and mortar and cell)
  • Dog Trainers
  • Pooper Scoopers
  • Pet Kennels
  • Doggy Daycares
  • Pet Boarders
  • Cat Sitters
  • Dog Sitters
  • Pet Taxis

The good thing about PCI over a few of the different frequent pet trade insurance coverage corporations is their deal with holding 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 inexpensive in comparison with others, and on-line opinions of present prospects all state that submitting a declare is simple and quick.

However, PCI may be very unique to pet industries solely, so if pet care is simply a portion of your corporation – don’t anticipate the opposite non-pet associated facets to be coated. PCI additionally takes a hefty $250 – $500 deductible on any veterinary claims (corresponding to a pet getting injured in your care and needing veterinary providers) which is the best I’ve at the moment seen. This does steadiness out with the truth that there isn’t a deductible for claims referring to normal legal responsibility, animal bailee, or pet groomers.

PCI is on the market in the entire United States.

Pricing & Plans (Updated in 2024)

Pet Insurance Cost Comparison

Company Sample Monthly Cost Learn More
Pet Care Insurance Premiums begin at $13.33/month Get Quote
Pet Sitter Associates, LLC Premiums begin at $16.58/month Get Quote
Choice Plus Insurance Services Premiums begin at $35.40/month Get Quote
Mourer-Foster, Inc.

Kennel Pro

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 Policy

The base coverage contains protection for the entire following, which then expands primarily based on what trade is chosen when getting an insurance coverage quote:

  • General Liability Coverage
  • Products-Completed Operations
  • Personal and Advertising Injury
  • Damage to Premises Rented to You
  • Medical Expense
  • Animal Bailee
  • Veterinarian Expense Reimbursement (Regardless of Fault)
  • Lost Key Liability Coverage


The base coverage gained’t absolutely defend sure pet-care industries, so buying further customizations shall be mandatory for lots of pet professionals. PCI affords the next add-ons:

Higher Animal Bailee Coverage Limits

Increases the yearly restrict.

Broadened Property Damage Coverage

Increases 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 situations during which normal legal responsibility wouldn’t, corresponding to flooding brought on by a damaged rest room that occurred when the pet sitter used it.

Dog Training Coverage

Covers incidents associated to coaching past the fundamental instructions of sit and keep, covers pet corrective behavior training, and on-leash obedience coaching.

Employee Dishonesty

Protects the enterprise proprietor from incidents referring to their staff being dishonest, negligent, and fraudulent (corresponding to embezzlement, yikes!).

House Sitting Coverage

Covers in a single day care, drop-in visits, and meals, water, and drugs administration.

Independent Contractors Coverage

Additional 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 drugs administration.

Pet Groomers Professional

Covers pet grooming, common tooth cleansing, and different claims that come up completely from pet grooming providers.

Pet Taxi Coverage

Covers claims referring to the transportation of pets.

Equipment & Inventory Coverage

This covers broken or stolen tools, stock, and provides.

Online Protection Insurance

A number of funds are actually taken on-line, this insurance coverage protects the pet-care skilled from cyber assaults and hacking liabilities.

Deductibles & Claims

There is not any deductible for any declare besides veterinarian expense reimbursement, in which there’s a deductible of $250 listed on the web site, however PCI impartial evaluation web sites do state the deductible may rise as excessive as $500 relying in your coverage.

Filing a declare may be very simple, you simply log into your account and fill out the net kind. An agent from PCI will attain out inside 24-48 hours of submitting your declare.

What Does Pet Care Insurance Cover?

The following is included in each single coverage no matter pet-care trade, with further coverages capable of be bought. These numbers are topic to vary primarily based in your particular wants.

Coverage Item Annual Limit
General Liability Coverage $1,000,000 (Each Occurrence)

$2,000,000 (Aggregate Limit)

Products-Completed Operations $2,000,000
Personal and Advertising Injury $1,000,000
Damage to Premises Rented to You $100,000 (Any One Premises)
Medical Expense $5,000 (Any One Person)
Animal Bailee $2,500 (Each Occurrence)

$5,000 (Aggregate Limit)

Veterinarian Expense Reimbursement $1,000 (Each Occurrence)

$2,500 (Aggregate Limit)

$250 (Deductible)

Lost Key Liability $2,000 (Each Occurrence)

$2,000 (Aggregate Limit)

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 providers
  • Livestock or cattle
  • Pet providers or daycare operations of greater than 10 pets at anybody time
  • Petcare for animals that aren’t frequent family pets
  • Pet taxi operations of greater than 5 pets at anybody time
  • Practice or participation in any athletic contest, exhibition, exercise, sport, or sport
  • Professional veterinarian providers
  • Training operations of service, guard, safety, assault, or preventing canine

Waiting Periods

There is not any method 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 evaluation, it appears most instances are taken care of inside every week!

Reviews from Customers

The buyer opinions on the PCI web site (through Google opinions) itself all are inclined to revolve round how simple and easy it’s to get a coverage, and the unimaginable charges provided when in comparison with different insurance coverage corporations!

Independent opinions on web sites corresponding to Reddit present that PCI is commonly in comparison with Pet Sitter Associates, LLC, which is the opposite frequent 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 certainly does. PCI was additionally famous as being sooner to reply!

Frequently Asked 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. Should you end up legally accountable for accidents, damages, or (absolute nightmare situation) demise sustained by an animal, Animal Bailee will defend you.

Is The Policy Refundable If Canceled?

The coverage isn’t refundable if canceled if the coverage has already begun.

What About Insurance For My Personal Pets?

PCI is completely for pet-care professionals, not insurance coverage for private pets. However, PCI is partnered with Trupanion, which is a pet insurance for your furry loved ones.

Our Verdict

In conclusion, Pet Care Insurance undoubtedly feels like a strong selection for any pet care skilled. Not solely does PCI have protection that’s unique to the pet trade (which signifies that the claims coated will all revolve round frequent issues a pet care trade professional would possibly face), however it’s fairly simple to get began and customise on your wants! Even if you happen to run a number of pet-care companies, a single personalized coverage can cowl all of them.

Although the bottom coverage undoubtedly gained’t cowl most pet industries, it doesn’t truly price a complete lot extra so as to add the entire further customizations. The lack of deductible for many claims is completely implausible, and the deductible for vet bills type of evens out contemplating there isn’t a deductible for every part else. All in all, an incredible choice for anybody who works with pets for a dwelling!

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