Rover: Insured And Ready To Go

Rover does not carry insurance, but it does offer the Rover Guarantee, which is available to all services booked through Rover. The Rover Guarantee is a commitment to reimburse members of the Rover community for costs arising from certain injuries or damages that occur during a service booked and paid through Rover. This includes veterinary expenses, property damage, and personal injury to a third party. However, it is important to note that the Rover Guarantee is not insurance and does not provide coverage for injuries to service providers, pet owners, or their roommates or families. As such, pet sitters and dog walkers are advised to purchase their own insurance policies to ensure they are adequately covered in case of any incidents or accidents during their work.

Rover Guarantee vs insurance

The Rover Guarantee is not an insurance policy and does not take the place of any insurance coverage that users may have. Rover users desiring protection beyond the scope of the Rover Guarantee are advised to purchase insurance separately.

The Rover Guarantee is intended to promote user confidence in, and increase the use of, the Rover Service. It is designed 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 their negligence, and when insurance is not available.

Rover Guarantee covers verifiable veterinary expenses arising from injuries to a pet owner's pet while in a service provider's care or control. It also covers injuries to a service provider's own resident pet caused by a pet owner's pet under the service provider's care, and injuries to a third party's pet caused by a pet owner's pet in the service provider's care.

In addition, the Rover Guarantee reimburses pet owners for expenses that a service provider is legally obligated to pay for damage to the pet owner's personal property (excluding injury or damage to their pet, which is covered above).

The Guarantee does not cover injuries to service providers, pet owners, or their roommates or families. It also does not cover damage to a service provider's property or damage to a pet owner's own personal property caused by their pet.

Rover Guarantee includes a minimum contribution per request-related incident, payable by the pet owner for injury to their pet, and by the service provider for injury to their pet. This means that requests for reimbursement that do not exceed the minimum contribution will not trigger any reimbursement. The minimum contribution amount is $250 in the United States, $250 in Canada, £50 in the United Kingdom, 50€ in France, Germany, Italy, the Netherlands, and Spain, and 500 kr in Norway and Sweden.

It's important to note that the Rover Guarantee has specific conditions, limitations, and exclusions that apply to covered losses. These include requirements for timely notification of claims, documentation, and adherence to booking and payment procedures.

On the other hand, pet insurance is a separate insurance policy that pet owners can purchase to cover veterinary expenses and other costs associated with their pet's health and well-being. Pet insurance typically provides coverage for accidents, illnesses, and injuries to the insured pet, and some policies may also include coverage for liability, property damage, and other related expenses.

Pet insurance policies vary in terms of coverage limits, exclusions, and reimbursement processes, so it's important for pet owners to carefully review the terms and conditions of their chosen policy. While the Rover Guarantee provides some financial protection in certain situations, it is not a substitute for comprehensive pet insurance, and pet owners are advised to have their own insurance coverage in place.

Rover insurance for pet sitters

Rover does not provide insurance for pet sitters. Instead, it offers the Rover Guarantee, which is not a substitute for insurance and does not provide liability coverage. The Rover Guarantee is a commitment to reimburse pet owners and service providers for certain costs arising from injuries or damages that occur during a service booked and paid through Rover. The injuries or damages must result from care provided during a Rover stay or walk, and the Guarantee reimburses in the event the sitter or walker is unwilling or unable to pay those costs.

The Rover Guarantee does not cover injuries to service providers, pet owners, or their roommates or families. It is important to note that pet sitters are responsible for carrying their own insurance to comply with legal requirements in the jurisdictions where they provide services.

Pet sitters should consider obtaining their own insurance policy to protect themselves and their business. This includes liability insurance, which covers bodily injury and property damage to third parties, and workers' compensation insurance, which covers injuries to the pet sitter or their employees.

When choosing an insurance policy, pet sitters should request a copy of the policy and carefully review the coverage, exclusions, and limitations. They may also want to consult with an insurance agent or expert to ensure they have adequate coverage for their specific needs.

• Liability coverage for bodily injury and property damage to third parties.
• Care, custody, and control coverage for pets in your care.
• Coverage for personal property in your care, custody, or control.
• Workers' compensation coverage for injuries to yourself or your employees.
• Deductible amounts and whether you can afford to take on a higher deductible.
• Whether the policy is primary or excess over any other policies you may have.
• Exclusions and limitations, such as pre-existing conditions or specific breeds of dogs.

Rover insurance for dog walkers

Rover does not provide insurance for dog walkers or sitters. Instead, it offers a guarantee 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 their negligence, and when insurance is not available. This means that Rover does not cover the sitters' backs and they should consider purchasing their own insurance policy for peace of mind.

There are several third-party pet sitter liability insurance companies for US-based businesses, with rates starting at $130 per year, depending on the services offered, the number of people covered, and the level of deductible. These include Pet Sitters Associates, Pet Care Insurance, Kennel Pro, and Business Insurers of the Carolinas.

It is important for dog walkers and sitters to understand their policies and the extent of their coverage. While some companies may offer basic or broad insurance, it is generally recommended to have additional coverage for situations such as meet and greets, dog walks, or injuries to oneself. Independent contractors should also ensure they have their own liability insurance, as Rover's guarantee does not provide coverage for sitters' injuries or property damage.

Additionally, it is worth noting that some insurance companies may offer policies specifically designed for pet groomers or boarders, which might not include coverage for pet sitters or dog walkers. As such, it is crucial to carefully review the terms and conditions of any insurance policy before purchasing it.

Rover insurance for pet owners

Rover does not provide insurance for pet owners or sitters. Instead, it offers the Rover Guarantee, which is not a replacement for insurance. The Guarantee is intended to promote user confidence and increase the use of the Rover service. It is important to note that the Rover Guarantee has limitations and exclusions, and it is not responsible for covering all potential risks associated with pet sitting.

The Rover Guarantee provides some coverage for veterinary expenses arising from injuries to the pet owner's animal while under the care of a service provider. It also covers expenses that a service provider is legally obligated to pay for damage to the pet owner's property, excluding damage caused by their own pet. Additionally, the Guarantee covers actual out-of-pocket medical costs for a third party resulting from an interaction with the pet owner's pet while under the care of the service provider.

However, it is essential to understand that the Rover Guarantee has specific conditions, limitations, and exclusions. For example, it does not cover injuries sustained during a pre-booking meet and greet or any other service not subject to a booking. It also does not provide liability coverage for sitters, leaving them potentially vulnerable to lawsuits in case of any issues.

Therefore, it is recommended that pet sitters obtain their own liability insurance to ensure they are adequately protected. There are several pet sitter liability insurance companies available, offering rates starting around $130 per year, depending on the services offered and the number of people covered. By purchasing their own insurance, sitters can have peace of mind and ensure they are covered in case of any unforeseen events.

Rover insurance for third parties

Rover does not offer insurance to its contractors and clients. Instead, it provides a guarantee that can cover some claims that the responsible party cannot or will not pay. However, this guarantee is not a substitute for insurance and users seeking protection beyond the scope of the Rover Guarantee are advised to purchase their own insurance.

Rover's guarantee covers veterinary bills, damage to the pet owner's property, and some medical costs for third-party injuries. However, it does not cover damage to the pet care provider's property or home, injury to pet care providers, damage to or theft of business equipment and inventory, or injuries to family members or roommates. It is also important to note that the guarantee will only respond when all other reimbursement types are exhausted, including home and pet care insurance.

Given these limitations, it is recommended that pet care providers purchase their own insurance policy to protect themselves and their businesses. There are several pet sitter liability insurance companies that offer coverage for US-based businesses, with rates starting around $130 per year.

By having their own insurance, pet care providers can fill the gaps in coverage that Rover's guarantee cannot provide. This includes coverage for personal injuries, property damage, veterinary expenses, and more. Additionally, having insurance can provide peace of mind and help protect finances and businesses in the event of an accident or claim.

In summary, while Rover's guarantee offers some level of protection, it is not comprehensive. Pet care providers who use the Rover platform are encouraged to purchase their own insurance to ensure they have the necessary protection and coverage for their specific needs.

Frequently asked questions