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3 Real PCI Pet Sitter Claims

cat at the vet

As pet sitters, having a current insurance policy helps acquire new clients, helps with pet medical bills for which you become responsible, and it helps protect your business. However, it’s always nice to see specific examples of how pet sitting insurance protected other pet sitters just like you, so Pet Care Insurance has decided to share with you three real claims stories.

The claims in this post are real, but the names have been changed to protect each client’s identity. All insurance policies have conditions, limitations and exclusions. Please refer to the policy for exact coverages.

1) The Case of The Disagreeable Friend

Jessica a pet care provider, took Ruby, a 4-year-old golden retriever, to a nearby dog park to play. A dog that Jessica had not seen before entered the park and used a rope toy to play tug of war with Ruby.

At some point, the tug of war became a dog fight. Jessica quickly broke up the fight and it seemed that both Ruby and the other dog only had minor cuts, but it was nothing to worry about. Later that night, Tom, Ruby’s owner, contacted Jessica to tell her that he had noticed that Ruby was bleeding so they had taken her to an emergency vet.

The vet determined that a laceration on Ruby’s shoulder was severe enough to require stitches and that she also needed several other medical procedures to make a recovery. The resulting medical bill was $1,259.21, which Jessica paid.

Jessica reported the claim to Pet Care Insurance. After careful evaluation of the claim, it was determined that the Veterinary Expense Reimbursement, a coverage found in PCI’s basic pet sitting insurance policy, would respond to the claim.

Here’s the breakdown:

  • Ruby’s vet bill: $1,259.21
  • Jessica’s deductible: $500.00
  • PCI paid: $759.21

2) The Case of The Squeakers

Paul, a professional pet sitter, and another employee were dog sitting Roxy, a 5-year-old lab. Like many dogs, Roxy enjoys a good toy to play with, so the employee gave Roxy a squeaker toy to play with and continued with her other responsibilities.

The next thing Paul knew was that Roxy had eaten the entire squeaky toy. He called Roxy’s owners and monitored Roxy until the owners returned. They took her to the vet where it was determined that she needed surgery to remove the toy from her stomach. Paul paid the veterinary bill and filed a claim with PCI.

Here’s the breakdown:

  • Roxy’s vet bill: $1,234.15
  • Paul’s deductible: $500.00
  • PCI paid: $734.18

3) The Case of Too Much of A Good Thing

Emily was pet sitting a beagle named Mitze. Mitze was a diabetic and required insulin shots to regulate her blood sugar. Early one morning Emily gave Mitze her insulin shot, but she suddenly realized she had misread the syringe and given Mitze too much insulin.

Several hours later, Mitze began to have seizures and Emily rushed her to an emergency veterinary hospital. The vet was able to stabilize Mitze, but she had to stay overnight to ensure that she was OK.

Here’s the breakdown:

  • Mitze’s vet bill: $3,966.90
  • Emily’s deductible: $500.00
  • PCI paid: $3,466.90

While each policy purchased is unique and contains specific language, these examples highlight the importance of why pet sitters need to carry a current pet sitting insurance policy. If you’re a pet sitter in search of an affordable, yet quality insurance policy, PCI’s pet sitter insurance starts at only $229/yr; purchase one today by clicking here.

Annual Pet Sitter Insurance Policy

This policy is for professionals who work in the pet care industry.

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Comparing Employee Dishonesty Coverage & Bonding

PCI’s employee dishonesty coverage is similar to a bond, but there may be some key differences to consider.

Employee dishonesty coverage:

  • Can be purchased in the same transaction
  • Doesn’t run credit checks
  • Provides $10,000 per occurrence and $25,000 aggregate coverage

Bonds may differ from our dishonesty coverage by:

  • Checking your credit during the application process
  • Having a “Conviction Claus;” Often bonds won’t pay on claims unless there is a conviction
  • Many require you to reimbursement the bonding company after a claim is paid