If you have to use the Rover insurance, who is responsible for the $250 insurance deductible?
Like Walt said, the owner is responsible for the deductible (though many sitters feel responsible and end up paying it).
I've never had to use it, thankfully. But, I print out copies of information sheet on Rover's insurance and bring it to every M&G, giving one copy to the owners. I let them know our process if a dog needs a vet, that they'll be notified immediately, etc. Then I explain what the insurance covers/doesn't cover/ and who pays what.
For stays of more than a day or two, I ask that owners notify their vet that their dog is in the care of a sitter and authorize electronic payment from their account if needed.
The owner is responsible for the insurance deductible, read the insurance coverage in the TOS: https://www.rover.com/tos/ section 8.2 (b)