Our Remaining Verdict
We give Pet Care Insurance coverage an total score of 4.9 out of 5 stars.
As a pet skilled, the significance of defending your online business and your purchasers. You additionally know the way unpredictable four-legged companions might be. That’s why selecting dependable insurance coverage is so essential. You probably have a enterprise within the pet trade (cat sitter, pet groomer, canine daycare, and so forth.), Pet Care Insurance coverage (PCI), will defend you and your purchasers it doesn’t matter what life throws at you. With their customized add-ons, you gained’t have to fret concerning the what-ifs or worst-case situations. Whether or not a kitten will get sick underneath your care otherwise you lose your shopper’s keys, PCI has you coated.
Pet Care Insurance coverage Overview
Execs
- Solely designed for small enterprise pet professionals
- Customizable protection
- On-line transactions
- Declare submitting is fast and simple
- Dwell chat obtainable
- Downloadable certificates at checkout
Cons
- Customizations are bought individually
- Some protection objects require deductibles
About Pet Care Insurance coverage
PCI is an insurance provider that providers small pet companies. They have been based in 2013 as a subdivision of Veracity Insurance coverage and have been on a mission to supply pet professionals with accessible and reasonably priced insurance coverage. In contrast to conventional insurance coverage, PCI solely caters to companies within the pet trade, which implies they know the sorts of issues you and your furry purchasers face. Over the previous decade, they’ve been trusted by over 14,000 pet care professionals throughout greater than 10 industries.
A number of of the industries PCI covers embody:
- Pet Sitters
- Canine Walkers
- Pet Groomers
- Cellular Pet Groomers
- Canine Trainers
- Pooper Scoopers
- Pet Kennels
- Doggy Daycares
- Pet Boarders
- Cat Sitters
- Canine Sitters
- Pet Taxi Providers
There’s by no means an excellent time for minor accidents or main catastrophes, and it may be onerous to seek out insurance coverage that provides you full protection. However, with PCI, it’s easy. You get in depth legal responsibility protection with the Base Coverage and get to choose and select customized insurance policies that greatest suit your wants. This implies cat sitters get protection for drop-in visits whereas pet groomers get protection for tooth cleanings. With their versatile coverage choices, you’re protected for every part you want and also you’re not caught paying for belongings you don’t.
Better of all, it’s reasonably priced. PCI is dedicated to holding premiums low and protection excessive, so you may have peace of thoughts that you simply’re protected with out blowing your finances. Whereas PCI doesn’t supply insurance coverage for providers exterior of your pet enterprise (together with pet medical insurance), they’re a terrific possibility for pet professionals throughout the US.
Pricing & Plans (Up to date in 2024)
Pet Insurance coverage Price Comparability
Firm | Pattern Month-to-month Price | Be taught 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
If you buy insurance coverage from PCI, you’ll get protection for quite a lot of unexpected occasions, like property harm, accidents, and accidents (to call a couple of). In contrast to different insurance coverage suppliers, PCI’s Base Coverage consists of Animal Bailee and Veterinarian Reimbursement. This implies you’ll robotically get monetary safety for animal-related accidents or veterinary bills at no extra value to you.
The Base Coverage additionally covers the next:
- Canine walkers
- Pet waste removing
- Pet taxi providers
- Fundamental care of shopper’s pet(s)
- Bathing and brushing (not associated to grooming)
- Instructing fundamental instructions (sit and keep)
Customizations
PCI affords customized insurance policies for pet professionals based mostly on particular person enterprise wants. The next choices can be found as add-ons to your coverage.
Larger Animal Bailee Protection Limits
In the event you’re responsible for accidents or (worst case state of affairs) the loss of life of an animal in your care, Animal Bailee protects your online business. Whereas that is robotically included in each coverage, the add-on enables you to buy increased limits (as much as $30,000) if wanted.
Unbiased Contractors Protection
It is a nice possibility when you rent unbiased contractors. It supplies protection for unbiased contractors and allows you to embody them in your plan.
Broadened Property Harm Protection
This covers property harm attributable to pets underneath your care.
Canine Coaching Protection
In the event you’re a canine coach, this protects towards incidents associated to coaching past fundamental instructions, like habits and obedience.
Home Sitting Protection
This covers in a single day and drop-in house-sitting providers, in addition to meals, water, and medicine administration.
Pet Taxi Protection
Pet Taxi Protection is a good add-on for anybody who transports four-legged pals. To be eligible, you need to guarantee the next:
- Pets are separated in an emergency
- Pets are checked for temperament
- You gained’t transport greater than 5 pets in a single automobile
Worker Dishonesty
Within the occasion an worker steals from a shopper or damages their property, this can cowl monetary loss and property harm.
Pet Daycare
This covers in a single day and daytime daycares in any non-public location or facility that you simply lease or personal. It additionally covers meals, water, and medicine administration.
Pet Groomers Skilled
You’ll have to buy this if most of your income comes from grooming and tooth cleansing.
Gear & Stock
Also referred to as Inland Marine Insurance coverage, Gear & Stock protects towards broken or stolen gear, stock, and provides.
Deductibles & Claims
There’s a $250 deductible for Veterinary Expense Reimbursement and Gear and Stock protection (per incident). You’ll pay the invoice in full earlier than reimbursement and the suitable quantity will likely be deducted after submitting a declare.
For instance, if you’re pet-sitting a cat that will get sick and the vet invoice is $800, you’re required to pay the $800 invoice no matter why the cat is sick or whose fault it’s. When you file the declare, you’ll obtain reimbursement.
Submitting a declare is simple and might be accomplished on-line by your on-line dashboard. All you might want to do is fill out the shape along with your contact info and particulars concerning the incident. It’s greatest to test the record of exclusions earlier than submitting to verify your incident is roofed.
Inside 24 to 48 enterprise hours after submitting the shape, you’ll obtain a cellphone name or e mail from certainly one of PCI’s Service Brokers. The agent will collect extra info after which move the declare to their insurance coverage service (Lloyds of London), the place will probably be reviewed and validated. That is the longest a part of the method and will take a number of weeks or months. If it’s permitted, the declare will likely be settled and the method is full.
What Does Pet Care Insurance coverage Cowl?
PCI covers a variety of accidents, incidents, and liabilities. The next desk exhibits every protection merchandise included within the Base Coverage for all pet enterprise homeowners.
Protection Merchandise | Annual Restrict |
Normal Legal responsibility Protection | $1,000,000 (Every Prevalence)
$2,000,000 (Combination Restrict) |
Merchandise-Accomplished Operations | $2,000,000 |
Private Promoting Harm Restrict | $1,000,000 |
Every Prevalence Restrict | $1,000,000 |
Harm to Premises Rented to You Restrict | $100,000 (Any One Premises) |
Medical Expense Restrict | $5,000 (Any One Individual) |
Pet Safety (Animal Bailee) – Animals in Your Care, Custody, or Management | $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 Protection | $2,000 (Every Prevalence)
$2,000 (Combination Restrict) |
<robust>Not Lined</robust>
- Any animals owned by the insured or breeding
- Housesitting operations (with out pets current) that generate greater than 45% of your annual income
- Kennel operations (greater than 5 pets staying over on a single night time)
- Landscaping providers
- Livestock or livestock
- Pet providers or daycare operations of greater than 10 pets at one time
- Pet take care of animals that aren’t family pets
- Pet taxi providers for greater than 5 pets at one time
- Apply or participation in any athletic contest, exhibition, exercise, recreation, or sport
- Skilled veterinarian providers
- Coaching operations of service, guard, safety, assault, or preventing canines
Ready Durations
Submitting a declare solely takes a few minutes and PCI streamlines the method for you so you may shortly and effectively full the method on-line. After submitting the web type, a Service Agent will get in contact with you by way of e mail or cellphone inside 1-2 enterprise days.
Whereas submitting a declare is quick, it might take a number of weeks or months so that you can hear again from the insurance coverage service about whether or not your declare was permitted or denied. Since each case is totally different, there isn’t a delegated ready interval, so it’s essential to plan accordingly.
Critiques from Clients
With a powerful 4.9 out of 5-star score throughout a number of websites, the general consensus is that PCI is a service you may belief. Happy pet professionals rave about how simple and user-friendly it’s to enroll in a coverage, file claims, and navigate PCI’s web site. When in comparison with competitor insurance coverage suppliers, pet enterprise homeowners say they switched to PCI as a consequence of their reasonably priced costs and complete protection plans.
From the a whole bunch of Google opinions, it’s clear that PCI additionally has a stellar customer support workforce. Comfortable prospects communicate extremely of PCI’s Service Brokers, saying they weren’t solely useful when troubleshooting issues and answering questions, however affected person, courteous, {and professional} whereas doing so.
Incessantly Requested Questions (FAQ)
What if I would like protection for my pet?
Whereas PCI is a good possibility for pet enterprise homeowners, they don’t present protection for furry relations. In the event you’re searching for pet medical insurance, PCI has partnered with two premium suppliers, Hartville Pet Insurance coverage and Trupanion, that can assist you entry the pet care you want.
How lengthy does it take for my insurance coverage to be efficient?
After your fee is verified, your coverage will go into impact instantly. At this level, you’ll have entry to your account and have the ability to add any optionally available insurance policies you may want.
How lengthy am I coated?
Your coverage will likely be efficient for 12 months. When you’ve reached the 12-month interval, you’ll have 30 days to resume it in your account. In the event you join EZ-Renew, your coverage will renew robotically.
Our Verdict
In the event you’re a pet skilled searching for enterprise insurance coverage, PCI is a good possibility. Together with providing simple on-line entry and a complete Base Coverage, they cater to particular person companies with versatile coverage choices. Insurance coverage must be handy and reasonably priced, and with PCI, it’s. They streamline the method for you and have devoted help brokers able to reply your questions and show you how to discover the very best coverage for you and your purchasers.