Pet Care Insurance Review 2025: Pros, Cons & Verdict

Owning your own business can be rewarding but challenging. As a self-employed pet professional, one of the most important considerations is choosing the right insurance plan. If you own a pet-related business, you need to protect yourself, your customers, and the pets you serve. Pet Care Insurance, a division of Veracity Insurance Solutions, has over a decade of experience providing coverage for pet professionals in the United States. Their ‘pick and pay’ website model allows everyone from pooper scoopers to dog trainers to choose the insurance plan that works for them, pay online, and receive instant coverage.

Pet Care Insurance Review

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About Pet Care Insurance

Becoming a self-employed pet care professional can be tricky to achieve. How are you going to find clients? Will you make enough money to support yourself? What if a pet has an accident in your care? As you navigate the waters of building your brand, you will run into a lot of obstacles, and as a pet pro, you undoubtedly know how unpredictable animals, and their owners, can be. While Pet Care Insurance (PCI) can’t send you a list of wealthy potential clients in your area, they can offer you protection from unforeseen hardships that might otherwise drain your bank account or ruin your reputation.

Utah-based PCI, with over a decade of insurance experience and the financial backing of well-known Lloyd’s of London, is a reliable company that has developed an easy and affordable way for owners of pet-related businesses to obtain general liability insurance. PCI has also cultivated a group of useful supplement options, so that no matter what kind of animal service you provide, you are sure to find the right coverage with PCI. By clicking through their guided application, you can customize your insurance policy, make your payment, and instantly download proof of insurance so you can get right back to work.

If you run a small business in the US revolving around common household pets (dogs, cats, birds, etc.), whether you provide these services in your home, your client’s home, or a rented space, you need to guard your business against the unexpected. Securing insurance coverage through PCI is easy and affordable, and ensures that you, your clients, and their pets are financially protected should misfortune strike. Strong insurance coverage not only gives your business credibility and promotes trust but will also facilitate a long happy career for you as the policy holder.

Pricing & Plans (Updated in 2025)

Pet Professionals Insurance Cost Comparison

Base Policy

PCI provides a great basic policy for less than $14 per month, which provides some generous benefits, including:

The above benefits may not cover every claim scenario, but fortunately, some of the above policy limits can be increased for an extra premium. In addition, PCI provides a thorough list of supplemental policies that you can add to your plan depending on your business specifics.

Customizations

Though PCI’s base policy provides some great coverage, you should carefully analyze the scope of your business when choosing a plan and will likely need to consider adding some supplemental policies to be best protected. PCI’s website makes this easy with their guided application, helping you to easily recognize where you might need a little extra backup. The following descriptions offer a brief look at these additional coverage options.

Broadened Property Damage

This option provides $10,000 per incident (up to $25,000 per year) for property damage of a client’s home or belongings while in your care. This would be especially important if you pet sit in the client’s home or provide in-home grooming services.

Employee Dishonesty Coverage

This added coverage is similar to bonding and covers incidents where an employee commits theft of a client’s property, or otherwise damages client property. Claims that fall under this category will pay out up to $10,000 per incident or $25,000 per year.

Veterinarian Expense Reimbursement

Also referred to as Vet Bill Reimbursement, this coverage will pay you up to $2,500 under your base policy if a dog sustains illness or injury while in your care and needs to see a veterinarian while still in your custody, even if the ailment was not your fault. But you have the option to increase this coverage to $5,000 when building your policy. Any claims that fall under this coverage require a $250 deductible.

Added Pet Protection, aka Animal Bailee

Your base plan includes $5,000 in Animal Bailee coverage, but you have the option to increase that amount to $10,000, $20,000, or even $30,000. This coverage is essential if you’re a dog walker, perform grooming services, or train dogs, as you may be held liable if a dog is injured while in your care. This is great coverage to carry on top of Vet Bill Reimbursement, because this part of your policy can pay out for veterinary expenses incurred after the pet is out of your custody, but the illness or injury occurred while in your care.

Equipment & Inventory Coverage, aka Inland Marine

This is an important add-on to consider, particularly for groomers that rely on items like clippers, dryers, shampoo, and shears. If these items are damaged or stolen, this coverage can pay up to $50,000 per year with the highest coverage. But keep in mind, it does not pay if an animal damages the equipment and will not pay for stolen items unless a police report is submitted with the claim. This supplemental policy also carries a $250 deductible.

Employee Dishonesty Coverage

This add-on is similar to bonding and offers financial protection if an employee commits fraudulent or dishonest activity like theft or embezzlement. This could be valuable coverage to have if your business handles a lot of cash or valuable equipment and can pay out up to $25,000 per policy year.

Services-specific Packages

PCI’s website offers some great ready-made policy options based on your profession. These packages are tailored to meet the needs of your unique business model, with customizable options still available. They include:

Deductibles & Claims

PCI’s claim process has been streamlined through an online claim form. Just log in to your online account, select “File a Claim” under your policy management tab, and fill out the required information. Within two days, you should receive an acknowledgment of your claim from PCI, after which your claim will be submitted to Lloyd’s of London for review. You can then expect to wait up to ten days for a claim adjuster to be assigned to your claim. The entire claims process may take weeks to months to reach resolution.

Currently, only two of PCI’s coverages require deductibles, but both are listed as only $250. This amount is due on approved claims of Vet Bill Reimbursements and Equipment & Inventory coverage.

What Does Pet Care Insurance Cover?

Every insurance plan from PCI, regardless of the chosen add-ons, includes the following coverages.

Before choosing additional coverages, and certainly before making a claim, every PCI customer should familiarize themself with circumstances that are NOT covered by PCI policies.

Waiting Periods

There is no waiting period for active coverage – as soon as you pay, your policy is in force, complete with a downloadable certificate. PCI’s website indicates this process could take less than ten minutes!

When it comes to waiting on the claims process, there are a few things to know:

Reviews from Customers

With over 14,000 insured clients, PCI has maintained an impressive 4.9 out of 5-star Google rating. Customers rave about the easy sign-up process, affordable pricing, and courteous agents. And although many customers indicated in their reviews that they had never had to file a claim, the ones that did commented on how fast and easy the claims process was. It’s safe to say that PCI is great at making their customers happy.

Frequently Asked Questions (FAQ)

How quickly can I get coverage?

As fast as you can choose your policy and submit payment. Once your payment goes through, your coverage is instant, and you can download a certificate as proof.

Can I purchase coverage after an incident has occurred?

Pet Care Insurance policies will only cover claims on incidents that occurred after the purchase of your policy.

Is there a deductible?

Some of the supplemental coverages, such as Equipment Coverage and Veterinary Reimbursement, do require a $250 deductible.

Are most claims covered under General Liability?

According to PCI’s website, 56% of claims in 2021-2022 were denied under General Liability coverage but did have coverage under another part of the customer’s plan. It is important that you choose your policies based on the specifics of your business.

If I pay the full annual premium, but cease business operations before the policy runs out, can I get a refund?

No, premiums are not refundable. If you are unsure how long your business will be operating, there is an option to pay premiums month-to-month.

Our Verdict

With policies revolving around the unique specifics of the pet care industry, and a streamlined user process, Pet Care Insurance has set themselves apart from the competition. Their policies are not only affordable, but the most complete in the business when it comes to protecting self-employed pet professionals and the clients they serve. In addition, PCI customers can feel safe and secure knowing this company is backed by Lloyd’s of London, the world’s top insurance marketplace.

For everyone following their dream to own their own pet business, insurance is a must to protect everyone involved, including the much-loved pets that these businesses revolve around. PCI offers the most complete and affordable coverage in this arena, and the multitude of reviews from happy customers across the US are proof – Pet Care Insurance is the best option for pet lovers that choose to make their passion their profession.