One of the reasons people love Rover is the premium insurance that comes with every booking. We’re excited to offer this extra peace of mind, but we know insurance can be confusing. Never fear—we’re here to help answer your questions! Whether you’re a pet parent, pet sitter, or dog walker, we’ve got you covered.
Common Questions About Premium Insurance
1. Who pays the deductible?
Like almost any insurance plan, premium insurance has a deductible (a specified amount that you must pay before an insurance company will pay a claim) of $250. Pet parents are responsible for this deductible for injuries to their own pets, and the sitters and dog walkers are responsible for the deductible for injuries to their own pets.
If you’re a pet sitter or dog walker and the pet parent is unavailable, Rover can step in to temporarily assist with payment and then bill the pet parent later on. Safety is Rover’s number-one priority, and we never want issues around payment to delay care.
2. Is property damage covered?
Once the deductible is paid, premium insurance covers damages to a pet parent’s home as a result of a booking. However, it does not cover damage to a sitter’s home. With Rover, you’re in charge and empowered to decide which dogs are the best fit for you and your home. You can—and should—decline any bookings with dogs you think wouldn’t mesh well with your home or lifestyle.
Plus, Rover has tons of suggestions for how to best equip your home for safety and security (both for you and your property). From baby gates to food storage, these tips help prevent possible puppy damage.
3. Are injuries covered?
Once the deductible is paid, injuries that occur as a result of a booking are fully covered. Illnesses, preventable care, and pre-existing (including breed-specific) conditions aren’t covered by premium insurance. Premium insurance may request documentation regarding insurance claims, so keep any vet or hospital bills handy.
4. Is long-term care covered?
If a dog is injured as a result of a booking, premium insurance covers up to 30 days of care. This includes check-ups, emergency visits, and extra treatment. Beyond 30 days, the cost of care becomes the responsibility of the pet owner. Since premium insurance acts as a secondary insurance, we always recommend having a personal insurance policy for your pet to assist with long-term care needs. It’s all about that extra peace of mind!
5. Why is booking through Rover so important?
Only bookings made through Rover are covered by premium insurance, and pet parents, sitter, and dog walkers love the peace of mind that comes with it. Safety is our number-one priority, and premium insurance helps ensure a fun, carefree stay.
Day or Night, Rover Is Here for You
Our premium insurance is only a piece of what makes booking on Rover great for sitters, dog walkers, and pet parents—and of course your pets themselves. We know that sometimes unexpected things happen, but our Customer Support team, 24/7 support, and premium insurance can help sitters and pet parents handle any situation with ease. Whether your goal is to play with dogs or find someone to take care of your pet when you’re away, we’re here for you.