Rover doesn't provide insurance. It only has a guarantee of sorts. I do suggest you read it thoroughly here:
https://www.rover.com/us/guarantee/
As you can see, it does cover
- Vet care for injuries to a “Rover Dog”—i.e., a pet owner's pet(s) in a sitter’s or dog walker's care, custody, and control
However, this is only kicks in after the claimant pays the initial $250.
This is a very important paragraph because taking a client dog to a dog park could be viewed as negligence.
Is the Rover Guarantee an insurance plan?
No. The Rover Guarantee exists to fill the gap when the responsible party—usually the pet care provider—is unable or unwilling to pay for costs arising from damage or injury attributable to his or her negligence, and when insurance is not available. It is a contractual agreement from Rover to protect its users, enforceable in accordance with the Rover Guarantee Terms and Conditions. Reimbursement under the Rover Guarantee is generally paid out of Rover’s own pocket—though we reserve the right to refer a claim to our insurance carriers when necessary or appropriate.