Rover Insurance for Dog Walkers & Pet Sitters
Make sure your pet business has the protection it needs with Pet Care Insurance!
Trusted by over 15,000 Pet-care Professionals
Backed by
Trusted by over 15,000 Pet-care Professionals
Insurance for Rover Pet Care Pros
When you work with Rover you join a vast network of pet walkers, sitters, and boarders. This partnership can benefit for your pet care business by opening up leads and opportunities you may not otherwise have.
The Rover Guarantee aims to protect pets, so even though you are a contractor for Rover, you still absorb the risks that come with providing pet care. If an animal is injured or the owner’s property is damaged, you may be liable to cover the costs out-of-pocket.
Rover’s reimbursement program pays approved claims out of the company’s pocket. However, it will not reimburse expenses until all other options are exhausted, including home and pet care insurance.
Pet Care Insurance (PCI) offers comprehensive pet business insurance coverage designed to protect you, your clients, and the pets you care for. We’re your first line of defense in the event of an accident, offering a safety net to help cover or even eliminate your financial responsibility.
PCI Rover Insurance vs. the Rover Guarantee
While the Rover Guarantee offers some level of protection, it does not give Rover dog walkers and pet sitters the comprehensive coverage they need. PCI fills the gaps in coverage that Rover insurance can’t provide, offering a safety net that allows pet pros to operate with confidence.
| PetCare Insurance | Rover |
|---|---|
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Responds to covered claims automatically |
Only responds when all other reimbursement types are exhausted
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$1,000,000 limit per occurrence
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$100,000 limit per occurrence
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Up to $5,000 in Pet Protection (Animal Bailee) for pet injury, plus option to increase limit
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Up to $25,000 for pet injury
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Up to $1,000,000 in property damage coverage per occurrence
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Up to $100,000 in property damage coverage per occurrence
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Up to $2,500 in Veterinarian Expense Reimbursement for client’s pet
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Up to $25,000 in vet care reimbursement to pet owner’s or pet sitter’s pets
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Up to $5,000 in medical expenses per person, regardless of fault (plus up to $1,000,000 per occurrence for third-party injury claims)
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Up to $100,000 in medical expenses for a third party, excluding pet owners, roommates, or families
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Covers all animals under the provider’s care excluding the provider’s personal pet
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Does not cover damage, injury, or other losses arising from a provider’s care of any third-party pet alongside a pet owner’s pet during a booking
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Up to $1,000,000 for personal and advertising injuries
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No coverage
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Broadened Property Damage covers damage to owner’s property by their pet
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No coverage
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Employee Dishonesty Coverage extends coverage to theft
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No coverage |
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Up to $50,000 in equipment and inventory coverage
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Does not cover your equipment or inventory
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Coverage whether your pet care services are booked in or outside of the Rover app
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No coverage outside of Rover app-booked services
|
| Rover |
|---|
|
Only responds when all other reimbursement types are exhausted
|
|
$100,000 limit per occurrence
|
|
Up to $25,000 for pet injury
|
|
Up to $100,000 in property damage coverage per occurrence
|
|
Up to $25,000 in vet care reimbursement to pet owner’s or pet sitter’s pets
|
|
Up to $100,000 in medical expenses for a third party, excluding pet owners, roommates, or families
|
|
Does not cover damage, injury, or other losses arising from a provider’s care of any third-party pet alongside a pet owner’s pet during a booking
|
|
No coverage
|
|
No coverage
|
|
No coverage |
|
Does not cover your equipment or inventory
|
|
No coverage outside of Rover app-booked services
|
| PetCare Insurance |
|---|
|
Responds to covered claims automatically |
|
$1,000,000 limit per occurrence
|
|
Up to $5,000 in Pet Protection (Animal Bailee) for pet injury, plus option to increase limit
|
|
Up to $1,000,000 in property damage coverage per occurrence
|
|
Up to $2,500 in Veterinarian Expense Reimbursement for client’s pet
|
|
Up to $5,000 in medical expenses per person, regardless of fault (plus up to $1,000,000 per occurrence for third-party injury claims)
|
|
Covers all animals under the provider’s care excluding the provider’s personal pet
|
|
Up to $1,000,000 for personal and advertising injuries
|
|
Broadened Property Damage covers damage to owner’s property by their pet
|
|
Employee Dishonesty Coverage extends coverage to theft
|
|
Up to $50,000 in equipment and inventory coverage
|
|
Coverage whether your pet care services are booked in or outside of the Rover app
|
What Does Rover Insurance Cover?
It’s important to understand that Rover doesn’t offer insurance to its contractors and clients. In fact, the Rover Guarantee requires you to attempt to resolve claims with the pet owner and any insurance providers before you’re eligible for any type of reimbursement.
All injuries or damages must occur during a scheduled service booked through Rover, and the guarantee only kicks in if the responsible party is unwilling or unable to pay. If a claim is eligible, Rover may reimburse a pet care service provider for:
- Veterinary bills, covering injuries to pets belonging to either the pet owner or the sitter
- Client property damaged by a sitter or dog walker
- Medical costs from third-party injuries on a case-by-case basis
Incidents must be reported within 48 hours of the end of service, and veterinary cost reimbursement does not extend beyond 30 days. In addition to these qualifying factors, Rover will not cover:
- Damage to the pet care provider’s property or home
- Injury to pet care providers
- Damage to or theft of your business equipment and inventory
- Injuries to family members or roommates
- Pre-existing or preventable issues, like fleas or ticks
Starting as low as $13.33 per month or $139 per year, PCI offers comprehensive liability coverage for pet care businesses using Rover’s app, including both pet sitter insurance and dog walker insurance.
Our base policy protects you against common claims like third-party bodily injury and property damage and protects the pets in your care with coverage if they get hurt or sick due to something that happened in your care. Your Rover pet business insurance through PCI is tailored with automatic coverage that includes:
- Covers all your pet care business appointments: whether or not they were booked through the Rover app
- Pet Protection Coverage: extends coverage to injuries, damages, and death of the animals in your care
- Vet Bill Reimbursement: reimburses you for veterinary expenses for a client’s pet under your care after the $250 deductible is met
- Lost Key Coverage: covers the cost of repairing or replacing locks if your client’s key is lost or stolen
- Pet Protection (Animal Bailee) Coverage: covers you if you’re held liable if an animal in your care, custody, or control causes injuries, death, or damages
In addition to these perks, you can add optional coverage based on your unique business needs.
- If a pet causes property damage while under your care, Broadened Property Damage Coverage can cover the cost of repair or replacement.
- Equipment and Inventory Coverage (aka Inland Marine) covers the cost of repairing or replacing your business-essential equipment if it’s damaged or stolen.
- In the event that your employee steals from a client’s home, Employee Dishonesty Coverage protects you from paying out-of-pocket.
You can also extend your coverage if you need higher limits, ensuring you have the precise protection your business requires.
PetCare Insurance in Action
When the “oopsies” and “oh-nos” happen, pet care insurance can save your tail. According to Preventative Vet, emergencies—like poisonings or pets being hit by cars—rack up major veterinary bills:
Exam: $100–200 | Blood tests: $80–$200 | X-ray: $150–$250 | Hospitalization: $600–$3,500 | Surgery: $1,500–$5,000
An expensive claim could be detrimental to your small business, but PCI has your back.
Broadened Property Damage Coverage can cover up to $25,000 in property damage caused by the client’s pet.
After you cover the first $250, Veterinarian Reimbursement can help pay the rest of the dog’s medical bills.
Equipment and Inventory coverage can help pay to replace or repair your business-critical gear.
Is Pet Care Insurance the Best Option for Rover Pet Services?
While the Rover Guarantee offers some level of protection for pet sitters and dog walkers, it is not insurance. PCI fills the gaps with comprehensive general liability coverage tailored to pet care professionals like you. An investment in pet care insurance is a wise decision that could save you big in the long run.
Limits of Insurance
The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business services.
Limit per Incident: $1,000,000
Limit per Year: $2,000,000
The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services.
The amount that your policy will pay for claims arising out of one or more of the following offenses:
- False arrest, detention or imprisonment
- Malicious prosecution
- Wrongful eviction or wrongful entry
- Oral or written publications that slander or libel a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
The maximum your policy will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business services.
$1,000,000
Applies to damage by fire to premises rented to the insured; also applies to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
Any One Premises: $100,000
A general liability coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy.
Any One Person: $5,000
This provides your pet business with coverage in the event that you are legally liable for injuries or damages sustained by an animal in your care, custody, or control.
Limit per Incident: $2,500
Limit per Year: $5,000
This provides coverage for medical expenses—regardless of who is at fault—for a client’s pet in your care, custody, or control.
Limit per Incident: $1,000
Limit per Year: $2,500
Deductible: $250
If you were to lose the keys to a client’s residence, this coverage could help you manage the cost of installing new locks or having the building rekeyed.
Limit per Incident: $2,000
Limit per Year: $2,000
*Please note these are brief definitions of coverage. Your policy may be more restrictive in its language. Refer to the actual policy for a complete description of coverages and exclusions.
Frequently Asked Questions (FAQ) About Rover Insurance
No, Rover does not offer insurance to pet care providers or customers. The company does have a guarantee that can cover some claims that the responsible party cannot or will not pay, but only after all other avenues have been exhausted, including pet care insurance.
The Rover Guarantee may reimburse expenses from vet care costs, damage to the pet owner’s home or property, and some medical costs for third-party injuries. Eligible injuries or damages must take place during the time of a booked service. All claims need to be submitted within 48 hours of the end of the service, and it only kicks in if all other options have been exhausted.
Rover does not require service providers to carry insurance and they do not verify coverage. Rover does recommend that contractors have their own pet care insurance policy to mitigate risk and out-of-pocket expenses from claims.
Protect Your Finances & Business With PCI’s Rover Pet Insurance
Your job is to care for your clients’ pets.
Our job is to make sure you can do it with peace of mind.
Rover insurance through PCI protects you so you can keep doing what you love without worrying about the ruff patches along the way.
