teeth cleaning.<\/a><\/p>\nEquipment & Inventory\u00a0<\/strong><\/p>\nAlso known as Inland Marine Insurance, Equipment & Inventory protects against damaged or stolen equipment, inventory, and supplies.<\/p>\n
\nDeductibles & Claims<\/h2>\n
There is a $250 deductible for Veterinary Expense Reimbursement and Equipment and Inventory coverage (per incident). You\u2019ll pay the bill in full before reimbursement and the appropriate amount will be deducted after filing a claim.<\/p>\n
For example, if you are pet-sitting a cat that gets sick and the vet bill is $800, you\u2019re required to pay the $800 bill regardless of why the cat is sick or whose fault it is. Once you file the claim, you\u2019ll receive reimbursement.<\/p>\n
Filing a claim is easy and can be completed online through your online dashboard. All you need to do is fill out the form with your contact information and details about the incident. It\u2019s best to check the list of exclusions before filing to make sure your incident is covered.<\/p>\n
Within 24 to 48 business hours after submitting the form, you\u2019ll receive a phone call or email from one of PCI\u2019s Service Agents. The agent will gather additional information and then pass the claim to their insurance carrier (Lloyds of London), where it will be reviewed and validated. This is the longest part of the process and could take several weeks or months. If it\u2019s approved, the claim will be settled and the process is complete.<\/p>\n
\nWhat Does Pet Care Insurance Cover?<\/h2>\n
PCI covers a range of accidents, incidents, and liabilities. The following table shows each coverage item included in the Base Policy for all pet business owners.<\/p>\n
\n
\n\n\nCoverage Item<\/strong><\/td>\nAnnual Limit<\/strong><\/td>\n<\/tr>\n\nGeneral Liability Coverage<\/td>\n | $1,000,000 (Each Occurrence)<\/p>\n $2,000,000 (Aggregate Limit)<\/td>\n<\/tr>\n | \nProducts-Completed Operations<\/td>\n | $2,000,000<\/td>\n<\/tr>\n | \nPersonal Advertising Injury Limit<\/td>\n | $1,000,000<\/td>\n<\/tr>\n | \nEach Occurrence Limit<\/td>\n | $1,000,000<\/td>\n<\/tr>\n | \nDamage to Premises Rented to You Limit<\/td>\n | $100,000 (Any One Premises)<\/td>\n<\/tr>\n | \nMedical Expense Limit<\/td>\n | $5,000 (Any One Person)<\/td>\n<\/tr>\n | \nPet Protection (Animal Bailee) \u2013 Animals in Your Care, Custody, or Control<\/td>\n | $2,500 (Each Occurrence)<\/p>\n $5,000 (Aggregate Limit)<\/td>\n<\/tr>\n | \nVeterinarian Expense Reimbursement<\/td>\n | $1,000 (Each Occurrence)<\/p>\n 2,500 (Aggregate Limit)<\/p>\n $250 (Deductible)<\/td>\n<\/tr>\n | \nLost Key Liability Coverage<\/td>\n | $2,000 (Each Occurrence)<\/p>\n $2,000 (Aggregate Limit)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n <strong>Not Covered<\/strong><\/div> \n \n- <\/i> Any animals owned by the insured or breeding<\/li>\n
- <\/i> Housesitting operations (without pets present) that generate more than 45% of your annual revenue<\/li>\n
- <\/i> Kennel operations (more than 5 pets staying over on a single night)<\/li>\n
- <\/i> Landscaping services<\/li>\n
- <\/i> Livestock or farm animals<\/li>\n
- <\/i> Pet services or daycare operations of more than 10 pets at one time<\/li>\n
- <\/i> Pet care for animals that are not household pets<\/li>\n
- <\/i> Pet taxi services for more than 5 pets at one time<\/li>\n
- <\/i> Practice or participation in any athletic contest, exhibition, activity, game, or sport<\/li>\n
- <\/i> Professional veterinarian services<\/li>\n
- <\/i> Training operations of service, guard, protection, attack, or fighting dogs<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n
Waiting Periods<\/h3>\nFiling a claim only takes a couple of minutes and PCI streamlines the process for you so you can quickly and efficiently complete the process online. After submitting the online form, a Service Agent will get in touch with you via email or phone within 1-2 business days.<\/p>\n While filing a claim is fast, it could take several weeks or months for you to hear back from the insurance carrier about whether your claim was approved or denied. Since every case is different, there isn\u2019t a designated waiting period, so it\u2019s important to plan accordingly.<\/p>\n Reviews from Customers<\/h3>\nWith an impressive 4.9 out of 5-star rating across multiple sites, the overall consensus is that PCI is a service you can trust. Satisfied pet professionals rave about how easy and user-friendly it is to enroll in a policy, file claims, and navigate PCI\u2019s website. When compared to competitor insurance providers, pet business owners say they switched to PCI due to their affordable prices and comprehensive coverage plans.<\/p>\n From the hundreds of Google reviews, it\u2019s clear that PCI also has a stellar customer service team. Happy customers speak highly of PCI\u2019s Service Agents, saying they were not only helpful when troubleshooting problems and answering questions, but patient, courteous, and professional while doing so.<\/p>\n \nFrequently Asked Questions (FAQ)<\/h2>\nWhat if I want coverage for my pet?<\/h3>\nWhile PCI is a great option for pet business owners, they don\u2019t provide coverage for furry family members. If you\u2019re looking for pet health insurance, PCI has partnered with two premium providers, Hartville Pet Insurance and Trupanion, to help you access the pet care you need.<\/p>\n How long does it take for my insurance to be effective?<\/h3>\nAfter your payment is verified, your policy will go into effect immediately. At this point, you\u2019ll have access to your account and be able to add any optional policies you might need.<\/p>\n How long am I covered?<\/h3>\nYour policy will be effective for 12 months. Once you\u2019ve reached the 12-month period, you\u2019ll have 30 days to renew it in your account. If you sign up for EZ-Renew, your policy will renew automatically.<\/p>\n <\/p>\n Our Verdict<\/h2>\nIf you\u2019re a pet professional looking for business insurance, PCI is a great option. Along with offering easy online access and a comprehensive Base Policy, they cater to individual businesses with flexible policy options. Insurance should be convenient and affordable, and with PCI, it is. They streamline the process for you and have dedicated support agents ready to answer your questions and help you find the best policy for you and your clients.<\/p>\n","protected":false},"excerpt":{"rendered":" As a pet professional, you know the importance of protecting your business and your clients. You also know how unpredictable four-legged companions can be. That\u2019s why choosing reliable insurance is so important. If you have a business in the pet industry (cat sitter, pet groomer, dog daycare, etc.), Pet Care Insurance (PCI), will protect you […]<\/p>\n","protected":false},"author":358,"featured_media":628398,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","wprm-recipe-roundup-name":"","wprm-recipe-roundup-description":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[2],"tags":[429],"yoast_head":"\n Pet Care Insurance Review 2024: Pros, Cons & Verdict - Catster<\/title>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\t\n\t\n\t\n\n\n\n\n\n\t\n\t\n\t\n","yoast_head_json":{"title":"Pet Care Insurance Review 2024: Pros, Cons & Verdict - Catster","description":"You know how unpredictable four-legged companions can be. 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