Our Last Verdict
We give Pet Care Insurance coverage an general ranking of 4.9 out of 5 stars.
As a pet skilled, you already know the significance of defending your corporation and your shoppers. You additionally know the way unpredictable four-legged companions may be. That’s why selecting dependable insurance coverage is so essential. When you’ve got a enterprise within the pet business (cat sitter, pet groomer, canine daycare, and many others.), Pet Care Insurance coverage (PCI), will shield you and your shoppers it doesn’t matter what life throws at you. With their customized add-ons, you received’t have to fret in regards to the what-ifs or worst-case situations. Whether or not a kitten will get sick below 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 straightforward
- Reside chat obtainable
- Downloadable certificates at checkout
Cons
- Customizations are bought individually
- Some protection gadgets require deductibles
About Pet Care Insurance coverage
PCI is an insurance coverage supplier 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 offer pet professionals with accessible and reasonably priced insurance coverage. Not like conventional insurance coverage, PCI solely caters to companies within the pet business, which suggests they know the sorts of issues you and your furry shoppers 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 time for minor accidents or main catastrophes, and it may be exhausting to search 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 select and select customized insurance policies that finest 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 retaining 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 provide insurance coverage for providers exterior of your pet enterprise (together with pet medical insurance), they’re an ideal possibility for pet professionals throughout america.
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
Once you buy insurance coverage from PCI, you’ll get protection for a wide range of unexpected occasions, like property harm, accidents, and accidents (to call a number of). Not like different insurance coverage suppliers, PCI’s Base Coverage consists of Animal Bailee and Veterinarian Reimbursement. This implies you’ll routinely 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
- Primary care of shopper’s pet(s)
- Bathing and brushing (not associated to grooming)
- Educating fundamental instructions (sit and keep)
Customizations
PCI gives customized insurance policies for pet professionals primarily based 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 answerable for accidents or (worst case state of affairs) the demise of an animal in your care, Animal Bailee protects your corporation. Whereas that is routinely included in each coverage, the add-on enables you to buy greater limits (as much as $30,000) if wanted.
Unbiased Contractors Protection
It is a nice possibility should you rent unbiased contractors. It offers protection for unbiased contractors and allows you to embody them in your plan.
Broadened Property Injury Protection
This covers property harm attributable to pets below 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 buddies. To be eligible, you should guarantee the next:
- Pets are separated in an emergency
- Pets are checked for temperament
- You received’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 hire 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.
Tools & StockÂ
Also called Inland Marine Insurance coverage, Tools & Stock protects towards broken or stolen gear, stock, and provides.
Deductibles & Claims
There’s a $250 deductible for Veterinary Expense Reimbursement and Tools and Stock protection (per incident). You’ll pay the invoice in full earlier than reimbursement and the suitable quantity might 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 may be accomplished on-line via your on-line dashboard. All you might want to do is fill out the shape together with your contact data and particulars in regards to the incident. It’s finest to test the record of exclusions earlier than submitting to ensure your incident is roofed.
Inside 24 to 48 enterprise hours after submitting the shape, you’ll obtain a telephone name or e mail from certainly one of PCI’s Service Brokers. The agent will collect extra data after which move the declare to their insurance coverage provider (Lloyds of London), the place it will likely 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 accredited, the declare might 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 house owners.
| Protection Merchandise | Annual Restrict |
| Normal Legal responsibility Protection | $1,000,000 (Every Prevalence)
$2,000,000 (Mixture Restrict) |
| Merchandise-Accomplished Operations | $2,000,000 |
| Private Promoting Harm Restrict | $1,000,000 |
| Every Prevalence Restrict | $1,000,000 |
| Injury 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 (Mixture Restrict) |
| Veterinarian Expense Reimbursement | $1,000 (Every Prevalence)
2,500 (Mixture Restrict) $250 (Deductible) |
| Misplaced Key Legal responsibility Protection | $2,000 (Every Prevalence)
$2,000 (Mixture 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 evening)
- 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
- Observe or participation in any athletic contest, exhibition, exercise, sport, or sport
- Skilled veterinarian providers
- Coaching operations of service, guard, safety, assault, or combating canines
Ready Intervals
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 through e mail or telephone inside 1-2 enterprise days.
Whereas submitting a declare is quick, it may take a number of weeks or months so that you can hear again from the insurance coverage provider about whether or not your declare was accredited or denied. Since each case is completely different, there isn’t a chosen ready interval, so it’s essential to plan accordingly.
Opinions from Prospects
With a powerful 4.9 out of 5-star ranking throughout a number of websites, the general consensus is that PCI is a service you may belief. Glad pet professionals rave about how straightforward 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 house owners say they switched to PCI resulting from their reasonably priced costs and complete protection plans.
From the a whole lot of Google evaluations, it’s clear that PCI additionally has a stellar customer support crew. Pleased clients converse 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.
Continuously Requested Questions (FAQ)
What if I need protection for my pet?
Whereas PCI is a good possibility for pet enterprise house owners, they don’t present protection for furry members of the family. In the event you’re searching for pet medical insurance, PCI has partnered with two premium suppliers, Hartville Pet Insurance coverage and Trupanion, that will help you entry the pet care you want.
How lengthy does it take for my insurance coverage to be efficient?
After your cost is verified, your coverage will go into impact instantly. At this level, you’ll have entry to your account and be capable to add any non-obligatory insurance policies you may want.
How lengthy am I coated?
Your coverage might 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 routinely.
Our Verdict
In the event you’re a pet skilled searching for enterprise insurance coverage, PCI is a good possibility. Together with providing straightforward on-line entry and a complete Base Coverage, they cater to particular person companies with versatile coverage choices. Insurance coverage ought to 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 assist you to discover the perfect coverage for you and your shoppers.
