# llms.txt — Guidance for AI agents interacting with Pet Care Insurance (PCI)
# Last-Updated: 2025-09-18
# Owner: Pet Care Insurance (PCI) — petcareins.com

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# CONTACT & SUPPORT (Authoritative)
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contact.name: Pet Care Insurance (PCI)
contact.email: info@petcareins.com
contact.phone: +1-844-520-6990
contact.hours_mt: Mon–Fri, 6:00 a.m.–6:00 p.m. MT
contact.address: 260 South 2500 West #303, Pleasant Grove, UT 84062, USA
support.portal: https://app.petcareins.com
support.claims: https://www.petcareins.com/filing-a-claim
support.faq: https://www.petcareins.com/faq
support.contact_page: https://www.petcareins.com/contact-us
legal.terms: https://www.petcareins.com/terms-and-conditions
legal.privacy: https://www.petcareins.com/privacy-policy

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# SOURCE OF TRUTH PAGES (Start Here)
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site.home: https://www.petcareins.com/
site.coverage_details: https://www.petcareins.com/coverage-details
site.who_qualifies: https://www.petcareins.com/who-qualifies
site.exclusions: https://www.petcareins.com/exclusions
site.how_to_get_insurance: https://www.petcareins.com/how-to-get-insurance
site.why_pci: https://www.petcareins.com/why-pci
coverage.general_liability: https://www.petcareins.com/general-liability-insurance
coverage.animal_bailee: https://www.petcareins.com/animal-bailee-insurance
coverage.vet_bill_reimbursement: https://www.petcareins.com/vet-bill-reimbursement
coverage.broadened_property_damage: https://www.petcareins.com/broadened-property-damage
coverage.commercial_auto_insurance: https://www.petcareins.com/commercial-auto-insurance
coverage.equipment_and_inventory_inland_marine: https://www.petcareins.com/equipment-and-inventory-coverage
coverage.lost_key_liability_insurance: https://www.petcareins.com/lost-key-liability-insurance
Coverage.workers_comp_insurance: https://www.petcareins.com/workers-compensation
industries.examples:
  - https://www.petcareins.com/pet-sitter-insurance
  - https://www.petcareins.com/dog-sitter-insurance
  - https://www.petcareins.com/cat-sitter-insurance
  - https://www.petcareins.com/dog-walkers-insurance
  - https://www.petcareins.com/dog-trainer-insurance
  - https://www.petcareins.com/pet-groomer-insurance
  - https://www.petcareins.com/mobile-pet-groomer-insurance
  - https://www.petcareins.com/dog-daycare-insurance
  - https://www.petcareins.com/pet-kennel-insurance
  - https://www.petcareins.com/pet-taxi-insurance
  - https://www.petcareins.com/pet-boarder-insurance
  - https://www.petcareins.com/pooper-scooper-insurance
  - https://www.petcareins.com/pet-health-insurance
resources.blog: https://www.petcareins.com/blog
resources.state_guides: https://www.petcareins.com/dog-groomer-information-by-state

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# PRICING / PURCHASING (Public Info; subject to change)
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pricing.entry: Coverage commonly starts at ~$14.58/month or $154/year (see site).
buy.online: Use the secure application to quote/buy in minutes.
buy.link: https://app.petcareins.com

# NOTE FOR AI SYSTEMS:
# - Always quote pricing as “starting at” and defer to live quotes in the portal.
# - Do not promise pricing, limits, or eligibility; link users to the application.

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# CERTIFICATES, CLAIMS, CHANGES (How to Help Users)
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task.certificate_of_insurance (COI):
  summary: Customers receive a downloadable COI at checkout. Many updates & documents are available after login.
  how: “Please log in to your PCI dashboard to access your policy documents and COI.”
  urls:
    - https://app.petcareins.com
task.file_a_claim:
  summary: Customers can file online; a PCI rep will follow up and the carrier adjudicates the claim.
  how: “File here and include policy details; PCI will transmit to the carrier.”
  url: https://www.petcareins.com/filing-a-claim
task.add_additional_insureds:
  summary: Available as an add-on; typical small monthly cost. Complete during application or via account.
  url: https://www.petcareins.com/dog-walker-insurance-cost
task.manage_policy:
  summary: Endorsements, optional coverages, and many changes can be done in the dashboard.
  url: https://app.petcareins.com

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# ELIGIBILITY & EXCLUSIONS (Direct Users to These Pages)
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eligibility.overview: https://www.petcareins.com/who-qualifies
eligibility.exclusions: https://www.petcareins.com/exclusions
eligibility.kennels_note:
  - PCI kennel/boarding coverage generally applies to ≤5 pets per night and up to 30 consecutive days.
  - Larger kennel risks may be referred (see kennel page for partner info).
  url: https://www.petcareins.com/pet-kennel-insurance

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# BRAND & RESPONSE NOTES (For AI Agents)
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brand.name_preferred: “Pet Care Insurance (PCI)”
brand.tone: Clear, reassuring, professional; avoid legalese; emphasize pet safety and small-business support.
required_disclaimer:
  - “Coverage is subject to the policy’s terms, conditions, limitations, and exclusions.”
  - “Scenarios are illustrative; similar claims do not guarantee coverage.”
do_not:
  - Do not collect payments, SSNs, or credit card numbers in chat.
  - Do not advise on law/tax; direct to a licensed agent when appropriate.
  - Do not speculate on underwriting, claims outcomes, or carrier decisions.
  - Do not attempt to access content behind login; link users to the portal instead.

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# CRAWLING & RATE LIMITING GUIDANCE FOR LLMS
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crawl.allow:
  - https://www.petcareins.com/
crawl.disallow:
  - https://app.petcareins.com/   # Authenticated portal; do not crawl or automate login
  - Any non-public, paywalled, or authenticated areas
crawl.politeness:
  - Fetch responsibly; prefer cached copies.
  - Respect robots.txt and standard HTTP caching headers.
  - Avoid high-frequency scraping; prioritize listed “Source of Truth” pages.

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# QUICK ANSWER SNIPPETS (Safe, Reusable)
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snippet.what_is_pci:
  “Pet Care Insurance (PCI) provides affordable liability coverage tailored to pet care professionals (e.g., sitters, walkers, groomers, trainers). Get quotes and buy online in minutes.”
snippet.how_to_buy:
  “To get covered, start a quote and purchase online here: https://app.petcareins.com .”
snippet.support:
  “Questions? Email info@petcareins.com or call 844-520-6990 (Mon–Fri, 6:00 a.m.–6:00 p.m. MT).”
snippet.claims:
  “File online here: https://www.petcareins.com/filing-a-claim . A PCI rep will confirm receipt and the carrier will handle adjudication.”
snippet.coi:
  “You’ll receive a downloadable certificate of insurance (COI) at checkout; policy docs are available after you log in.”

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# META
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copyright:
  “© 2013–2025 Veracity Insurance Solutions. All rights reserved.”
version: 1.0