About Pet Care Insurance

Pet Care Insurance (PCI) is an online insurance provider designed specifically to insure individuals or businesses that provide pet care services. The Annual policy starts at just $139 a year. It is designed to cover pet sitting, walking, grooming, training, and more all in one plan! We've helped thousands of business owners protect their businesses from the cost of claims. Once you purchase your Pet Care Insurance policy through this website, it will become active on the date you select during the application process. After your payment is verified, the policy documents will be automatically emailed to you. You'll be able to access your Pet Care user portal, view and print your insurance certificate and documents, add additional insureds and manage your account online 24/7.

What rating does your insurance company have?

We offer low-cost insurance plans through our partnered carrier, Lloyds of London which is an A -rated insurance provider known for their financial stability and excellent customer service. Lloyds of London started over a third of a millennia ago (yes that is over 333 years ago)!

What type of policy is this...claims made or occurrence form?

Pet Care Insurance is a claims-made policy managed by Veracity Insurance. Under the “claims-made” policy, it covers you for a covered claim provided it meets two criteria:

1. You are insured when the claim is made. If you no longer need coverage, you can purchase a “tail” to protect you for the past.
2. You have continually renewed the policy from the time the incident occurred until the time the claim is made.

Who does this insurance cover?

This Pet Care liability policy can insure pet sitters, pet trainers, pooper scoopers, pet groomers, pet daycare services, pet transporters (pet taxi), pet kennels and boarders (no more than 10 pets at a time and no more than 5 overnight).

What do we do with your email?

We may keep the emails you send to us. If you would like to receive e-mail messages from us, we will keep the information you give us so we can send emails of specific interest to you. Please be careful about the information you give us in an email. As with any public website, this communication may not be secure.

If you have completed an application, you will agree to our email/phone use statement. If you have filled out the first step of an application, provided Pet Care Insurance with your email, and did not complete the application, we may send you a single email reminding you of your unfinished application. You may unsubscribe from newsletters & miscellaneous marketing emails by clicking the "unsubscribe" link at the bottom of the email.

Contact information

Phones - We can be reached in a variety of ways. For things that require a lot of explanation, we offer our phone services. They are here Monday-Friday from 6 AM to 6 PM MST. Here is the phone number 844-520-6990. 

Chats - The chat feature is currently being used. The chat We offer 24/7 access to our chat feature. If this automated chat feature cannot resolve your question(s), it will pass you to a live agent during business hours (Monday to Friday, 6 AM to 6 PM MST). We will reply during the next business day if it is after hours.

Email - For all changes to the policy or for things that are not urgent, sending an email will be the smart way to communicate. Please allow one business day for a reply from one of our email agents. Email us [email protected].

Business hours

Our business hours are 6 AM to 6 PM MST. During business hours, we will respond to emails, phone calls, and will have a live chat agent available to chat in the occasion when the chatbot is unable to answer a question.

If you have any questions or need assistance please contact us by chat, phone: 844-520-6990 or via email: [email protected].
For a partnership with Petcare insurance please go here: https://www.petcareins.com/partnerships
If you are an appointed agent or broker, please go here: https://www.veracityvue.com/

Manage your online account and policy documents

Do I have an online account?

With this online policy, an online account is automatically created for our policy holders once a policy has been purchased to allow them to manage their policy and access their documents. The login button is located in the top right corner of the Pet Care Insurance webpage, or you may click here: Login

How do I log in to my account?

To log in to your account:

1. Click on the Login button located in the top right corner of the Pet Care Insurance webpage.
2. Enter your email address used to purchase the policy. Login

How do you set up a log in?

As a new customer, in the application there is a section where you are able to set up your own password or not. After the policy is purchased, you will be prompted to confirm your email. Once you confirm the email, it will log you into your dashboard.

What is a magic link?

The magic link used to be used for you to log in with a link that is generated and sent to your email. This is no longer a system that we use.

If you are not getting the prompt to log in with your email, please select "forgot password" and then enter your email and send. Once you receive the email, you are able to click the link and create a new password.

How do I Reset my password?

If you did not set up a password or need to reset your password:

1. Click on Forgot Password.
2. Enter your email address and a code will be emailed to you.
3. Enter the code on the log in and create a new password. *The new password must have at least 8 characters*

Locked accounts

Accounts can be locked because of attempting too many times with a wrong password or because something was off in your account, causing the system or an agent to lock the account. Regardless of the issue, an agent will need to help you. Please ask for an agent in this chat. If you need help sooner than that, please give us a call during normal business hours: (844)520-6990.

How do I view and download my proof of insurance, insurance cards, COI's and receipts?

Your policy documents and receipts can be found on your dashboard under the "Download documents" section. Click on the document to download and/or print the document. For your receipts, please click the "My policies" button in the main page of the dashboard. From there go to the "Payment History" section and click the link labeled "Invoice."

For specific questions about your current or renewing policy, please contact us.

Login

So, you want to get started with the purchase of your policy? Where to start.

Eligibility

A common question among potential policyholders is, "Am I eligible to get this policy?" Others ask, "What type of operations are insured under this policy?" To better understand the answer to these questions, we first need to know how an insurance policy like this one works. Many people think that the language of an insurance policy will specify every case where a policyholder would be covered. This is not the case. Listing every scenario where a claim could be made would be impossible. Instead, the language of a policy is much more broad.

A policy will identify a group of people whom the policy is designed to insure. For example, the group of people this policy is intended to insure are those in the pet care business industry. The policy will specify which operations are excluded or ineligible. A customer cannot purchase the policy if they provide the following services or products:

•Animals owned by the insured
•Breeding animals
•Housesitting operations (without pets present) that generate more than 45% of your sales
•Kennel operations (A kennel or boarding service is defined as having more than 5 pets staying over on a single night)
•Landscaping operations
•Livestock or farm animals
•More than 10 animals during the day max for daycare. More than 5 at night for daycare. More than 5 for pet taxi
•Providing training for any of the following dogs: service dogs, guard dogs, protection dogs, attack dogs, fighting dogs, police dogs
•Professional veterinarian services (this includes any medical, surgical, or dental services, x-rays, nursing services, treatment, advice or instruction)
•Petcare for animals that are not common household pets
•Household pets include domestic cat, dog, bird, rodent, or other legal household animals that are owned for companionship and not owned for commercial reasons
•Practicing for or participating in any athletic contest, exhibition, activity, game, or sport

Where can I get more information about what this policy is designed to insure?

The liability policy document is the best place to get information about the policy. We offer sample policies for both our annual and our event policies. We invite those interested in the policy to go over the policy and ask our agents if there are any questions. The website also contains information about the coverage details and helpful blogs.

Sample policy for Pet Care Insurance

Can a minor purchase this policy?

While a minor (someone under the agent of 18) cannot purchase this policy, they can be covered under a parent or guardian, or under someone else's policy if they are working for them. Once purchased by a parent of guardian, the spouse and all minor children will automatically be insured.

Do I need a business license to get a policy?

While we do not directly require any business licenses to get a policy, we do require that all policy holders follow local, state, and federal laws and regulations governing their business.

Do I need an Employer Identification Number (EIN)?

We do not require your Employer Identification Number (EIN) to get a policy. We do not have a place on your documents nor in the application to put it.

Can I use this policy to work as a contractor for another company (like Rover)?

While this policy can be used if you are working as a contractor for another company, we recommend discussing with them about their requirements before purchasing our policy.

Does this policy work if I am caring for pets online?

This policy is designed to insure those who provide covered pets services to animals in their care, custody, or control. Monitoring pets online is inline with this policy as long as some time is spent with the pet in person.

Do I need to have vaccine information on hand

Our policy requires that the insured always have vaccine information on hand as part of their business practice. The pets should be up to date on their vaccines according to local laws.

Where does my address need to be to get a policy and where can I use my policy?

As long as your address is within the United States, you can get a policy. This policy is not available for purchase anywhere outside of the US. Once purchased. This policy can be used anywhere in the US and Canada. This policy is not valid outside of the US and Canada.

What are some of the waiting periods regarding the policy?

• It takes 5-10 minutes to complete the online application and purchase the policy(order time).
• It takes less than 5 minutes to log in and access your policy documents or to make changes to your documents through your dashboard.
• Our Typical turnaround time for emails sent to us is about 1 business day (up to 3 business days).

How far out can I purchase the policy?

The Annual policy can be purchased within 3 months of the start date. We are making this policy available until the master policy is renewed (meaning up to two years).

How long does it take to get a refund?

Refunds typically take 7-10 business days, depending on how fast the bank processes the refund.

How long does it take to process a claim?

Claims take about 10 minutes to file initially. Please don't hesitate to ask if you need help filing a claim. From there, the claims adjuster will be assigned. The claims adjuster will reply within 3-5 business days. After they have replied, the completion time will vary on factors such as the amount of research needed to verify the claim, the time it takes to reply to the claims adjuster with the requested information, etc.

How long is this policy good for?

The Annual policy will insure you for one policy year (a full 365 days) starting from the date you choose for your policy to start.

What if I need coverage for only a week? What would be the best option for me?

We currently do not offer a short-term Pet Care insurance policy. We do, however, offer a monthly payment option.

Coverage periods

Does BBI offer a policy that covers for less than a year?

BBI offers an annual policy with monthly payment options. The monthly payment can be cancelled at any time through a written request via email. 

How to purchase Pet Care Insurance

How do I purchase the policy?

To purchase a Pet Care policy or to get a quote, click on any "Buy/Buy Now" button to get started.

1. Click on Buy Now or Get Protected Today. You will be directed to our online policy application form.
2. Fill out the application with your information and select any add-ons according to the coverage you would like to purchase.
3. At the end of the form, select purchase policy or view your quote.

*On the application, the Policy Holder Information will be your information or the name of the individual/business that needs to be insured.*

 Buy Now

Do I need to have a business?

This policy can insure an Individual/Sole proprietor, LLC, Corporation, and/or Partnership/Joint venture. If you do not have a registered business, your business type would be an Individual/sole proprietor. If you change the structure or business type of your business after the policy has been purchased, an agent may update that for you by emailing: [email protected]

Where do I sign up at?

To purchase a Pet Care policy or to get a quote, click on any "Buy/Buy Now" button to get started.

1. Click on Buy Now or Get Protected Today. You will be directed to our online policy application form.
2. Fill out the application with your information and select any add-ons according to the coverage you would like to purchase.
3. At the end of the form, select purchase policy or view your quote.

 Buy Now

Can I have multiple businesses on my policy?

This policy is designed to insure one business that you own. If you are working at other business locations (but you do not own those locations), they can be added on as an additional insured. One policy cannot insure multiple businesses that you own; multiple policies would be needed if you own multiple businesses.  

Pricing/payment information

How much does the policy cost?

The Annual policy starts at $154 / year or $14.58 / month. To see the cost information before the purchase, please fill out the application up to the point where the policy is purchased. The application doubles as a calculator. To start the application, click the "Buy" button anywhere on the website. *Pricing may increase depending on taxes and fees and any additional add-ons selected on the application or any time after purchase. After the policy has been purchased, you will be able to see the payment history, added coverage pricing, and access to download an invoice/receipt. This information is found in the "My policies" section of your dashboard.

How much is dog training insurance? 

Our basic dog training liability insurance policy starts at $26.10/month. From there, you can choose other options to add on at an additional premium. Two popular add-on options include:

• Employee dishonesty coverage: This is similar coverage to bonding, and covers the loss or damage of property due to an employee’s theft.
• Tools and equipment coverage: This add-on to your base dog trainer insurance policy reimburses you for stolen or damaged tools and gear, such as leashes, crates, treats, or toys.

How much is dog walking insurance?

The base dog walkers insurance policy starts at  $154/year or $14.52 monthly. Your final premium depends on the coverage limits you select, the optional coverage you add to your policy, and your business’s gross income.

How much is pooper scooper insurance?

Pooper Scooper Insurance, which includes general liability starts at $154 per year or $14.58 a month. However, there are additional options that you may add to your policy for an additional premium. For example, one of these options is employee dishonesty coverage—a coverage similar to bonding. You can also purchase animal bailee insurance at an additional cost.

How much is pet and dog grooming insurance?

How much is pet sitting insurance?

Our Pet Sitter Insurance starts at just $22.92 per month or $254 per year, providing essential protection for your business. Our base policy is designed to cover the fundamental risks pet sitters face, but we also offer a range of optional coverages to customize your policy for optimal protection.

Is there a difference in price between the annual and monthly payment options?

The monthly payment option is about 7% more on average than it would be when paying upfront. Be sure to check out the application as it doubles as a payment calculator. 

How many months do I pay for on the monthly payment option?

The first month will be the policy's first and last (for the last month on the annual payment). After that there will be 10 more monthly payments. This allows you to pay for the first payment of the next policy period without having to pay for both the last month payment as well as the next year's payment at the same time.

Can I get a quote?

While we do not give quotes per se, our application doubles as a price calculator. To obtain a quote, please fill out the online application. An accurate quote will be provided on the final checkout page. If your application session times out, please restart the application or contact us for assistance.

Does PCI offer any discounts?

PCI does not offer any discounts at this time due to the policy already being at a discounted rate.

Is there student pricing?

At this time, the price for students is the same as the price for everyone else.

Can I get a quote sent to me via email?

Because this policy is purchased from our website and is customizable, we do not offer quotes at this time. The final price is calculated through the online website and will be based on these selections made in the application. This helps to ensure that your price is for the exact policy that your business needs. To get started, click the buy button.

Pro tip: The application can be filled out to get the final cost with your desired options. Once this price is shown, take a screenshot of your price with all of the options that were selected, and you will have essentially collected a quote.

How will I know what the final price is?

To simplify the process of determining the final price, we have designed a user-friendly application. The online application calculates the appropriate cost based on your selections. Our applications have proven to be efficient in providing an accurate price assessment. 

How do I know if the payment went through/if the policy has been purchased

A confirmation screen will appear upon submitting the online application, and a confirmation email containing your policy documents will be sent. You may also download your receipt showing the date and amount. When the policy is purchased, it creates an online account or dashboard. By going to this dashboard, you can download documents and make changes to your policy as needed.

Do you offer monthly payments with the annual policy?

Yes! We do have a monthly payment option for the annual policy. On the final checkout page you may toggle between the annual payment or monthly payment option.

The initial payment includes the first and last month's payment plus any fees and taxes. The taxes and fees may vary depending on your state and is calculated at the checkout section of your application. This allows you to enjoy the benefits of the policy with the convenience of monthly installments.

How much is the monthly billing?

The monthly billing starts at $14.58 a month and can go up based on added coverages, taxes/fees, and optional endorsements. The first payment will be higher than the remaining payments and accounts for the first and last month's bill, taxes/fees, and any added endorsements.

Can my price go up?

While we do not anticipate that the price will increase anytime soon, the price of a policy can increase from year to year as insurance companies adjust their rates to account for factors such as inflation, changes in risk factors, and overall market conditions. As these factors change over time, the policy's price may be adjusted at renewal. It is important to note that the price of a policy cannot increase during the policy period it covers. Adding additional coverages from your online account will increase your policy premium. 

Why did my price go up?

There can be various reasons for an increase in your policy cost. Rates may vary based on changes in coverage, underwriting guidelines, or regional factors affecting risk. Even without changes in your policy, annual revisions by the insurance company could lead to adjustments in premium rates.

Are policy holders notified if there is a price increase?

PCI sends our emails to all of our customers when there is a price increase that affects its customers. This notification is sent out within 30 days of the policy renewal. We have found that many times when this has been sent out, it ends up in a spam folder. If you have more question about a price increase, please allow up to 3 business days for us to respond to your email, or give a call or chat.

What types of payment do you accept?

We accept all major debit and credit cards with a valid U.S. billing address for all purchases made on our website. Please note that we do not accept any other forms of payment, including cash, PayPal, or payment information provided over the phone or email.

What safeguards are in place to protect my payment information?

Your payment information is securely processed through our third-party encrypted payment gateway called Authorize.net. Your sensitive data is protected to ensure a safe and secure transaction. For security reasons, we require a valid U.S. billing address to process your payment. Please ensure that the billing information matches the details associated with your card to avoid any delays or issues during checkout.

Once your payment is successfully processed, you will receive a confirmation email with the details of your purchase. If you encounter any problems or have inquiries regarding payment methods, feel free to contact our customer support team for assistance.

How do I view or add/change my payment information on my account?

To edit the payment option under your account:

1. Login to your dashboard (AKA your online account)
2. Click the “Payment Profiles” button under the “My Profile” section
3. Click on “Update” to add a different card to your account or to modify an existing card OR
   Click on “Add new card” if you would like to add a card to your account
4. Enter Card information
5. Click the Submit/Update button
   *If you have multiple cards on file, select "Add card to policy" for the card you wish the system to charge. You may also delete any cards on file that you no longer wish to use.

If you have any questions or need assistance please contact us by chat, phone: 844-520-6990 or via email: [email protected].
For a partnership with Petcare insurance please go here: https://www.petcareins.com/partnerships
If you are an appointed agent or broker, please go here: https://www.veracityvue.com/