Our Ultimate Verdict
We give Puppy Care Insurance coverage an general ranking of four.9 out of five stars.
As a puppy skilled, the significance of shielding your corporation and your shoppers. You additionally understand how unpredictable four-legged partners may also be. That’s why opting for dependable insurance coverage is so vital. You probably have a industry within the puppy trade (cat sitter, puppy groomer, canine daycare, and many others.), Puppy Care Insurance coverage (PCI), will offer protection to you and your shoppers it doesn’t matter what existence throws at you. With their customized add-ons, you received’t have to fret in regards to the what-ifs or worst-case situations. Whether or not a kitten will get unwell below your care otherwise you lose your consumer’s keys, PCI has you coated.
Puppy Care Insurance coverage Evaluation
Professionals
- Completely designed for small industry puppy pros
- Customizable protection
- On-line transactions
- Declare submitting is fast and simple
- Are living chat to be had
- Downloadable certificates at checkout
Cons
- Customizations are bought one after the other
- Some protection pieces require deductibles
About Puppy Care Insurance coverage
PCI is an insurance coverage supplier that products and services small puppy companies. They have been based in 2013 as a subdivision of Veracity Insurance coverage and feature been on a challenge to supply puppy pros with available and inexpensive insurance coverage. In contrast to conventional insurance coverage, PCI simplest caters to companies within the puppy trade, which means that they know the types of issues you and your hairy shoppers face. Over the last decade, they’ve been relied on by means of over 14,000 puppy care pros throughout greater than 10 industries.
Some of the industries PCI covers come with:
- Puppy Sitters
- Canine Walkers
- Puppy Groomers
- Cellular Puppy Groomers
- Canine Running shoes
- Pooper Scoopers
- Puppy Kennels
- Puppy Daycares
- Puppy Boarders
- Cat Sitters
- Canine Sitters
- Puppy Taxi Products and services
There’s by no means a great time for minor injuries or primary catastrophes, and it may be arduous to search out insurance coverage that will give you complete protection. However, with PCI, it’s easy. You get in depth legal responsibility protection with the Base Coverage and get to pick out and select customized insurance policies that absolute best suit your wishes. This implies cat sitters get protection for drop-in visits whilst puppy groomers get protection for tooth cleanings. With their versatile coverage choices, you’re secure for the entirety you wish to have and also you’re now not caught paying for stuff you don’t.
Best possible of all, it’s inexpensive. PCI is dedicated to retaining premiums low and protection prime, so you’ll have peace of thoughts that you simply’re secure with out blowing your finances. Whilst PCI doesn’t be offering insurance coverage for products and services outdoor of your puppy industry (together with puppy medical health insurance), they’re a super choice for puppy pros throughout the USA.
Pricing & Plans (Up to date in 2024)
Puppy Insurance coverage Price Comparability
| Corporate | Pattern Per thirty days Price | Be told Extra |
| Puppy Care Insurance coverage | Premiums get started at $13.33/month | Get Quote |
| Puppy Sitter Pals, LLC | Premiums get started at $16.58/month | Get Quote |
| Selection Plus Insurance coverage Products and services | Premiums get started at $35.40/month | Get Quote |
| Mourer-Foster, Inc. Kennel Professional | Premiums get started at $35.40/month | Get Quote |
| Hiscox | Premiums get started at $56.66/month | Get Quote |
| NEXT | Premiums get started at $23.75/month | Get Quote |
| Thimble | Premiums get started at $30.25/month | Get Quote |
Base Coverage
Whilst you acquire insurance coverage from PCI, you’ll get protection for a number of unexpected occasions, like assets harm, injuries, and accidents (to call a couple of). In contrast to different insurance coverage suppliers, PCI’s Base Coverage comprises Animal Bailee and Veterinarian Compensation. This implies you’ll routinely get monetary coverage for animal-related accidents or veterinary bills at no further value to you.
The Base Coverage additionally covers the next:
- Canine walkers
- Puppy waste elimination
- Puppy taxi products and services
- Fundamental care of consumer’s puppy(s)
- Bathing and combing (now not associated with grooming)
- Instructing elementary instructions (take a seat and keep)
Customizations
PCI provides customized insurance policies for puppy pros in line with particular person industry wishes. The next choices are to be had as add-ons on your coverage.
Upper Animal Bailee Protection Limits
Should you’re responsible for accidents or (worst case state of affairs) the loss of life of an animal on your care, Animal Bailee protects your corporation. Whilst that is routinely incorporated in each coverage, the add-on permits you to acquire upper limits (as much as $30,000) if wanted.
Unbiased Contractors Protection
This can be a nice choice in case you rent unbiased contractors. It supplies protection for unbiased contractors and allows you to come with them on your plan.
Broadened Belongings Harm Protection
This covers assets harm brought about by means of pets below your care.
Canine Coaching Protection
Should you’re a canine teacher, this saves towards incidents associated with coaching past elementary instructions, like conduct and obedience.
Area Sitting Protection
This covers in a single day and drop-in house-sitting products and services, in addition to meals, water, and drugs management.
Puppy Taxi Protection
Puppy Taxi Protection is a brilliant add-on for someone who transports four-legged pals. To be eligible, you will have to be sure that the next:
- Pets are separated in an emergency
- Pets are checked for temperament
- You received’t shipping greater than 5 pets in a single car
Worker Dishonesty
Within the tournament an worker steals from a shopper or damages their assets, this may increasingly duvet monetary loss and assets harm.
Puppy Daycare
This covers in a single day and daylight hours daycares in any non-public location or facility that you simply hire or personal. It additionally covers meals, water, and drugs management.
Puppy Groomers Skilled
You’ll wish to acquire this if maximum of your earnings comes from grooming and tooth cleansing.
Apparatus & Stock
Sometimes called Inland Marine Insurance coverage, Apparatus & Stock protects towards broken or stolen apparatus, stock, and provides.
Deductibles & Claims
There’s a $250 deductible for Veterinary Expense Compensation and Apparatus and Stock protection (in keeping with incident). You’ll pay the invoice in complete earlier than repayment and the proper quantity will probably be deducted after submitting a declare.
For instance, in case you are pet-sitting a cat that will get unwell and the vet invoice is $800, you’re required to pay the $800 invoice without reference to why the cat is unwell or whose fault it’s. While you report the declare, you’ll obtain repayment.
Submitting a declare is simple and may also be finished on-line via your on-line dashboard. All you wish to have to do is fill out the shape along with your touch knowledge and information about the incident. It’s absolute best to test the listing of exclusions earlier than submitting to ensure your incident is roofed.
Inside 24 to 48 industry hours after filing the shape, you’ll obtain a telephone name or e-mail from one among PCI’s Carrier Brokers. The agent will collect additional info after which go the declare to their insurance coverage service (Lloyds of London), the place it’ll be reviewed and validated. That is the longest a part of the method and may just take a number of weeks or months. If it’s authorized, the declare will probably be settled and the method is entire.
What Does Puppy Care Insurance coverage Duvet?
PCI covers a variety of injuries, incidents, and liabilities. The next desk displays each and every protection merchandise incorporated within the Base Coverage for all puppy industry homeowners.
| Protection Merchandise | Annual Restrict |
| Normal Legal responsibility Protection | $one million (Each and every Prevalence)
$2,000,000 (Combination Restrict) |
| Merchandise-Finished Operations | $2,000,000 |
| Private Promoting Damage Restrict | $one million |
| Each and every Prevalence Restrict | $one million |
| Harm to Premises Rented to You Restrict | $100,000 (Any One Premises) |
| Clinical Expense Restrict | $5,000 (Any One Individual) |
| Puppy Coverage (Animal Bailee) – Animals in Your Care, Custody, or Keep watch over | $2,500 (Each and every Prevalence)
$5,000 (Combination Restrict) |
| Veterinarian Expense Compensation | $1,000 (Each and every Prevalence)
2,500 (Combination Restrict) $250 (Deductible) |
| Misplaced Key Legal responsibility Protection | $2,000 (Each and every Prevalence)
$2,000 (Combination Restrict) |
<robust>No longer Lined</robust>
- Any animals owned by means of the insured or breeding
- Housesitting operations (with out pets provide) that generate greater than 45% of your annual earnings
- Kennel operations (greater than 5 pets staying over on a unmarried night time)
- Landscaping products and services
- Cattle or cattle
- Puppy products and services or daycare operations of greater than 10 pets at one time
- Puppy take care of animals that don’t seem to be family pets
- Puppy taxi products and services for greater than 5 pets at one time
- Apply or participation in any athletic contest, exhibition, process, recreation, or game
- Skilled veterinarian products and services
- Coaching operations of provider, guard, coverage, assault, or preventing canines
Ready Sessions
Submitting a declare simplest takes a few mins and PCI streamlines the method for you so you’ll briefly and successfully entire the method on-line. After filing the net shape, a Carrier Agent gets involved with you by means of e-mail or telephone inside of 1-2 industry days.
Whilst submitting a declare is rapid, it would take a number of weeks or months so that you can listen again from the insurance coverage service about whether or not your declare was once authorized or denied. Since each case is other, there isn’t a delegated ready length, so it’s vital to plot accordingly.
Opinions from Consumers
With an excellent 4.9 out of 5-star ranking throughout more than one websites, the full consensus is that PCI is a provider you’ll consider. Glad puppy pros rave about how simple and user-friendly it’s to join a coverage, report claims, and navigate PCI’s web site. When in comparison to competitor insurance coverage suppliers, puppy industry homeowners say they switched to PCI because of their inexpensive costs and complete protection plans.
From the masses of Google opinions, it’s transparent that PCI additionally has a stellar customer support staff. Satisfied shoppers talk extremely of PCI’s Carrier Brokers, announcing they weren’t simplest useful when troubleshooting issues and answering questions, however affected person, courteous, {and professional} whilst doing so.
Steadily Requested Questions (FAQ)
What if I need protection for my puppy?
Whilst PCI is a brilliant choice for puppy industry homeowners, they don’t supply protection for hairy members of the family. Should you’re in search of puppy medical health insurance, PCI has partnered with two top class suppliers, Hartville Puppy Insurance coverage and Trupanion, that can assist you get admission to the puppy care you wish to have.
How lengthy does it take for my insurance coverage to be efficient?
After your cost is verified, your coverage will move into impact instantly. At this level, you’ll have get admission to on your account and be capable of upload any non-compulsory insurance policies you may want.
How lengthy am I coated?
Your coverage will probably be efficient for three hundred and sixty five days. While you’ve reached the 12-month length, you’ll have 30 days to resume it on your account. Should you join EZ-Renew, your coverage will renew routinely.
Our Verdict
Should you’re a puppy skilled in search of industry insurance coverage, PCI is a brilliant choice. Together with providing simple on-line get admission to and a complete Base Coverage, they cater to particular person companies with versatile coverage choices. Insurance coverage must be handy and inexpensive, and with PCI, it’s. They streamline the method for you and feature devoted strengthen brokers able to respond to your questions and let you in finding the most productive coverage for you and your shoppers.