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Does anyone have additional petsitting insurance?

Hello! I am new to Rover and wondering about insurance. I know that Rover has insurance for every stay that is booked on here, but if you read the details, they are very clear that it's secondary insurance and it really only covers a dog injury. I feel like that leaves a lot of things not covered. I know that my homeowner's insurance would cover some things, but in my quick research, saw there are other types of insurance you can get.

Does anyone have any thoughts on this? I'd love to hear your experiences!

Also, has anyone had to use the http://rover.com insurance and how did that go?

Thanks so much for your help! Chandra

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Check your homeowners insurance policy. Pemco cancelled my insurance when found out about my pet boarding business. I had to get new homeowners coverage. 😩

Lisa M.

Regarding pet insurance, I am covered. If pet sitting is part of your business, you can get coverage with Pet Sitter International. (http://psi.petsitterinsurance.com). My policy is with Pet Care Affiliates. (http://www.petcareaffiliates.com). They will cover sitting, boarding, grooming, etc.

Lisa M.

Business insurance is NOT the same same as what Rover provides. It does not protect you from getting sued by a disgruntled owner, property damage, or if a person at your home on business and is injured (dog bite, slip and fall, etc.). The cost is tax deductible.

Lisa M.

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Cari C.

I had to use the Rover insurance on my very first stay. Rover Customer Support was awesome and explained everything up front. The dog got sick and I had to take him to an emergency clinic on the weekend. Rover explained how to file the claim and reassured me I would be reimbursed. After about 2 weeks I was reimbursed for the entire vet bill. I was, and am, very impressed with Rover support and their insurance. I do not carry any other insurance besides my homeowners.

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Wow! That's really reassuring to know :)

Christina B.

Thank you for sharing your experience! I agree, that's reassuring!

Chandra G.

I have had to use Rover insurance and Rover was amazing and a great support through the whole situation. I have been with Rover for over a year and do not have a secondary insurance. As of right now I don't see a reason to.

Amber G.

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Frances M.

Hi. I do carry my own pet sitting insurance but it's because this is my business. It's what I do all day, everyday and I run it like a business. I have read here on this forum of people using Rover insurance and having a positive experience. I did read that Rover is a secondary insurance and when I read that I was thankful that I had my own insurance. You just never know what might happen so I rather be over insured than under insured.

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Thank you for replying! What specific additional insurance have you gotten? I am a little confused about which one(s) I would want/need. Thanks again!

Chandra G.

I have Pet Sitters Association as my insurance. I pay yearly and Rover has a coupon code you can use for a discount. Look it up and see if it's a good fit for you.

Frances M.

Chandra, I also carry Pet Sitter Associates with the extra bonded option. The Rover insurance is great but it's nice to have extra protection especially if you book from other sources. I did several comparisons and PSA was the best for value and coverage. Frances, where can I find the coupon code? I am waiting to hear back from the Rover help but any faster answer would be much appreciated.

Megan P.

Megan I called them and they gave it to me over the phone. I think they change it often so make sure you get the current one.

Frances M.

I have general liability that covers me if anyone is hurt, i.e. a client falls and is injured, a dog in my care bites some, etc. I also have property insurance which covers damage to my property or some else's property (i.e. while sitting in a client's home, something is broken or the carpet is ruined because the dog did his business on it). Both are business policies. Rover does not provide coverage for these types of things neither does home owner insurance because the damage or injury is business related. You may want to check your home owner policy.

Lisa M.

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Jennifer R.

That's a great question, Lisa M. Also, what happens if a dog somehow escapes and is hurt or killed by a car or vehicle? I'm sure that rarely happens but am wondering.

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Aside from what your business insurance (not Rover's) pet owners could sue you for everything you own, i.e., house, car, even the clothes on your back if they want to. I am not exaggerating. You might want to consider setting up your business as a Limited Liability Company.

Lisa M.

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Heather M.

I am pretty sure when I started sitting three years ago, Rover had $250 deductible and was for if the dog got injured or sick. Now I could have sworn it is now $500 deductible and ONLY for injuries and NOT sickness. Anyone?

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I called last month on a puking dog. it is $500 and it is covered. but I have the extended coverage through Rover... and I am not sure if that is a factor... I'm not even sure if its worth it.

Jamie R.

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Lisa M.

Doesn't secondary insurance mean if the owner has pet insurance, their insurance pays the bill and whatever is left Rover's insurance covers (minus $250 copay). If the owner does not have their own pet insurance, Rover covers the entire eligible amount ($250)? Is it not the same as people who have more than one coverage? At least that is how I took it to mean apply the owner's insurance first. And isn't that between Rover and the pet owner to work out or does Rover expect sitters to file insurance claims?

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Can anyone answer this?

Brenda M.

Yes, as a secondary policy, if either the sitter or owner has another source of coverage, they are obligated to file a claim there first.

Shane W.

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Does anyone have additional petsitting insurance?

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