Pet Taxi Insurance for Pet Transportation Businesses
Pet taxi insurance protects pet transporters, flight nannies, and driving services (plus the pets in your care) from pickup to handoff.
$26.10/ month
Navigate pet transport with confidence
- Covers clients’ pets from door to door
- Includes Vet Reimbursement for pet injuries or illness
- Add Commercial Auto and other coverages to fit your needs
- Same-day proof of insurance
Trusted by over 15,000 Pet-care Professionals
Backed by
Trusted by over 15,000 Pet-care Professionals
What Is Pet Taxi Insurance?
Pet taxi insurance is business coverage designed for pet transport services, including pet taxis, flight nannies, and ground transporters. It helps cover harm to clients’ pets during loading, transit, or unloading, along with common business risks like property damage and legal costs.
Property Damage and Harm to Others
$2M General Liability coverage helps protect you against claims and lawsuits
Pet Protection (Animal Bailee) covers pets in your care that get hurt, sick, or lost
Veterinarian Reimbursement refunds vet bills to get pets the help they need
Lost Key Liability pays when you’re locked out or lose the keys
Get pet transport insurance that follows you on the road, in the air, and wherever a pet’s journey home takes you.
Buy Online in 10 Minutes or Less
Instant Proof of Insurance
Employee Dishonesty Coverage
(Similar to Bonding)
Friendly, Certified Customer Service
Prepare for Every Trip
A lot can happen when you’re responsible for pets on the go. Having the right coverage helps you put pet safety first, no matter what. PCI had these animal transporters’ backs when routine trips took an unexpected turn.
Covered.
Covered.
Covered.
Covered.
When you’ve planned all you can, let pet taxi insurance handle the rest.
Covered.
Covered.
Insurance for Pet Transportation Explained
What Does Pet Taxi Insurance Cover?
Pet taxi insurance (aka pet transportation insurance) covers your business, your clients, and the pets in your care while you take animals safely from point A to point B. It includes the core liability coverages any pet transporter would need, whether you’re shuttling pets around town or flying cross-country.
Coverage includes:
General Liability Insurance covers physical injuries and property damage to others that happen during your services. It can also help you pay for pet-on-pet injuries, advertising mistakes, and damage to spaces your business rents.
“I dented the client’s garage door during pickup while maneuvering a heavy crate into my van. They want me to pay thousands for a replacement.”
Pet Protection Coverage (Animal Bailee) helps you pay expenses when pets are lost, injured, get sick, or even die while in your care, custody, or control.
“My plane hit turbulence, and Ruby was injured in her crate under the seat. The owner expects me to cover her treatment.”
Veterinarian Reimbursement can pay you back for emergency vet bills up to $1,000 per incident if a pet gets sick or injured during a trip. (We offer higher limits if you want more coverage.)
“Halfway through the trip, Roxie started wheezing and vomiting. I immediately detoured to the nearest emergency vet.”
Lost Key Liability Coverage reimburses locksmith costs if you lose a client’s keys or get locked out.
“I didn’t realize until I was on the road that my client’s key slipped out of my pocket during pickup. They insisted on rekeying their condo for safety.”
These coverages work together to protect you during the most critical moments of every trip. Along with vet visits, repair costs, and locksmith bills, your policy can also cover legal expenses, like defense and settlements.
What Pet Taxi Insurance Doesn’t Cover
Your policy protects you from your biggest risks, but some situations fall outside that safety net. Keep in mind that your pet transporter insurance will not cover:
- Claims related to transporting pets in a vehicle that doesn’t meet our minimum safety standards
- Claims for accidents outside the United States or U.S. territories.
- Pet taxi businesses without Commercial Auto Insurance (either through PCI or another insurer). Most states require commercial auto insurance for vehicles used for business purposes.
- Transporting more than five animals at a time
- Pets checked as cargo
- Anything from our exclusions page (like transporting livestock, service animals, police dogs, or other animals on our excluded list)
Pet Taxi Insurance vs Commercial Auto Insurance: What’s the Difference?
These types of insurance cover different risks, but both are essential for protecting pets and your business on the road. It’s also the law. Every state except Virginia and New Hampshire requires commercial auto insurance for your business vehicle.
Did you know? Personal auto insurance usually won’t cover accidents if you’re using your vehicle to transport pets for pay. Commercial auto protects you and your employees while driving for work.
That’s why we require commercial auto coverage (either from PCI or another insurer) before you can buy pet taxi insurance. Here’s how the two work together to cover you.
Swipe →
| Pet Transport Risk | Pet Taxi Insurance | Commercial Auto Insurance |
|---|---|---|
|
Injury to pets in your care |
✅ Covered |
❌ Not covered |
|
Pet gets sick or needs vet care during transport |
✅ Covered |
❌ Not covered |
|
Pet escapes during pickup or delivery |
✅ Covered |
❌ Not covered |
|
Damage to a client’s property (not involving your vehicle) |
✅ Covered |
❌ Not covered |
|
Car accidents |
❌ Not covered |
✅ Covered |
|
Damage to your vehicle |
❌ Not covered |
✅ Covered |
|
Damage caused by your vehicle (e.g., hitting a fence, harm to people or other cars) |
❌ Not covered |
✅ Covered |
|
Employee driving risks |
❌ Not covered |
✅ Covered |
Commercial auto insurance protects you, your vehicle, and other drivers.
Pet taxi insurance protects pets in your care, your business, and your clients.
Questions about a vehicle or job? Contact a licensed customer service agent. They’re here to help.
What Are the Safety Requirements to Qualify for Pet Transportation Insurance?
From vehicle setup to safe handling, your care for pets’ well-being and comfort is what makes you a good fit for coverage. Here’s what we require to keep you, your furry passengers, and your reputation protected:
- Animals owned by different clients must not be in the same crate or co-mingled.
- Animals must be crated or safely secured according to state laws while vehicles are moving.
- Animals’ travel environment must protect them from direct sunlight or extreme temperatures and keep them dry during rain, snow, and other precipitation.
- Animals must have proper ventilation at all times via windows, vents, or air conditioning.
- Ambient temperature in your vehicle’s animal travel space must be maintained between 45°F (7.2°C) and 85°F (29.5°C).
What Other Types of Coverage Could a Pet Transporter Need?
Every pet transport business runs a little differently. Depending on how you work, you may want extra coverage to protect your team, your equipment, or your other services. That’s why we offer optional coverages. Just add the ones you need, and leave the ones you don’t.
| Optional Coverage for Pet Taxis | Good For | Cost |
|---|---|---|
|
Commercial Auto Insurance |
Anyone who transports pets for pay or hires pet drivers/flight nannies |
Custom quote |
|
Workers Compensation Insurance |
Pet transport businesses and flight nanny agencies with employees or drivers |
Custom quote |
|
Equipment and Inventory Coverage |
Protecting your investment in crates, carriers, work phones, and other transport gear |
Three options, starting at $4.08/month |
|
Additional Pet Protection |
Growing or high-volume pet transport services |
Three options, starting at $1.99/month |
|
Additional Veterinarian Reimbursement |
$3.99/month |
Growing or high-volume pet transport services |
|
Online Protection Insurance (Cyber Liability Coverage)
Protects your business if you get hacked or client data is stolen |
Pet taxi businesses who book online, store client info, or take digital payments |
Two options, starting at $6.58/month |
|
Employee Dishonesty Coverage (similar to bonding) |
Building trust if your employees interact with clients’ homes or stuff |
$4.92/month |
|
Broadened Property Damage Coverage |
Pet taxis who also offer services like pet sitting in clients’ homes |
$2.42/month |
|
Employee Coverage |
Growing pet businesses that hire support staff, flight nannies, or drivers |
$2.08/month |
|
Independent Contractor Coverage |
Growing businesses that hire contractors to transport pets |
$4.17/month |
How Much Does Pet Taxi Insurance Cost?
Pet taxi insurance from PCI costs as little as $26.10/month or $292.20/year. Your specific price will depend on:
- Your annual income (the more jobs you take, the more you have to protect)
- Your claims history (have you had accidents or problems before?)
- Extra coverage and limits you choose (did you need to add commercial auto, etc?)
Transport claims can get pricey, often costing thousands. After all, you take on the normal risks of a pet business, then add vehicles, travel uncertainty, and extra-nervous animals. When you’ve prepped the paperwork, route, and safety measures, pet transport insurance covers you for the unpredictable.
Pet Taxi Insurance Coverage Details
Click on the icons or visit our coverage details page to see how each part of your pet transport business insurance protects you.
Limits of Insurance
General Liability Coverage
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
Professional Liability Insurance
The most your policy will pay in a year for financial losses arising from errors, omissions, mistakes, or negligence in your professional grooming services
Included in General Liability limits
Animal Liability Limit
The most your policy will pay in a year for bodily injuries and property damage to others because of an animal in your care
Limit per Incident: $100,000
Limit per Year: $200,000
Products-Completed Operations Aggregate Limit
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.
Personal and Advertising Injury Limit
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
Each Occurrence Limit
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
Damage to Premises Rented to You Limit
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
Medical Expense Limit
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
Pet Protection (Animal Bailee) – Animals in Your Care, Custody, or Control
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
Veterinarian Expense Reimbursement (Regardless of Fault)
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
Lost Key Liability Coverage
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 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.
Why Choose Pet Transportation Insurance from PCI?
You’re not a generic pet service, so why settle for generic business coverage that doesn’t fit your risks? PCI specializes in protecting pet pros, so we get the realities of transporting animals. We design flexible coverage for pet taxis that can cover you and pets in your care, all in one place.
With an A-rated carrier and U.S.-based, licensed support agents ready to help, you have the support you need from cart to claim and beyond.
Over 17,000 Pet Professionals Trust PCI
Pet Taxi Insurance FAQs
Do I need pet taxi insurance to transport dogs?
Pet taxi insurance isn’t usually legally required to drive or fly with animals, but many clients and partners expect you to have it before trusting you with their pets. Most importantly, it helps protect you financially if something happens during the trip, like a pet injury, illness, escape, or accident.
What license do I need to transport pets?
Licensing requirements for pet transporters vary by state and the type of transport you offer. Some pet transporters may need:
- A local business license
- USDA Class T registration (for certain commercial or interstate animal transporters)
- Additional permits, depending on state or airline regulations
You may also need paperwork like a Certificate of Veterinary Inspection (CVI) to travel with pets. Check the rules in the states or airports where you operate to make sure you’re compliant.
Where does pet taxi insurance cover my business?
Pet taxi insurance from PCI covers you in all 50 states and U.S. territories. Your business and clients’ pets are protected for incidents on the job, whether that’s on the road, in the air, in client homes, at the airport or rest stop, or anywhere in between. We don’t cover international transport at this time.
Does pet taxi insurance cover car accidents while driving?
Pet taxi insurance does not cover car accidents caused by your vehicle (that’s commercial auto insurance). Here’s what each covers:
- Pet taxi insurance covers what happens during your services, like injuries to pets in your care or incidents like escapes or property damage during pickups and drop-offs.
- Commercial auto insurance is designed to cover property damage and injuries caused by your vehicle while you or your employees are driving. It can also cover damage to or theft of your vehicle. Most states require you to carry commercial auto if you run a transport business.
For full protection on the road, pet taxis, flight nannies, and animal transporters need both pet taxi insurance and commercial auto insurance.
See What Else We Cover
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Pet Taxi Insurance
Start your policy today with PCI to customize your coverage, and make your life a whole lot easier.