I wrote about what my pet sitting insurance covers in a post last week. SherryH asked a great question:
Oh, that’s interesting! And very reassuring for their clients, to know what kinds of things are covered. I think it would make a fascinating followup article for them to list some of the claims they didn’t cover…
What Isn’t Covered
So, I literally hit “reply” to my pet insurance’s newsletter and asked them if they had a list of claims that were denied. I said I was just curious and interested. I was super surprised to receive a reply in less than 24 hours!
Tammy at Pet Sitters Associates, LLC forwarded your email over to me as I underwrite and manage the insurance program for the PSA members. Unfortunately I don’t have a list of claims that have been denied. Some of the claims that are denied are due to the member not having purchased the correct coverage… for example, a client dog is injured in the member’s home, but she didn’t purchase the optoinal pet daycare coverage. Other claims are denied due to specific things involved in that claim… for example, a client dog bites someone on the sidewalk, but during the claims investigation we find out that the dog had a history of biting and the owner didn’t tell the pet sitter so then the liability would really fall on the pet owner (although that might depend on which state the claim occurred).
If you are interested in learning more about the association and insurance program, there is a lot of great information on the PSA website, www.petsitllc.com. The “Pet Business Insurance Options” page in particular has some great information, including some frequently asked questions in the LEARN box at the bottom of that page.
If you have any further questions or concerns, please feel free to contact me. (Insert all of the contact info ever, lol). Good luck with your pet care business!!
That all sounds understandable and justifiable to me. I’ll be honest, I am even happier with my $305 expense per year now! This year may be a little more since I’m getting my husband covered too, but I think it’s only $80 more. Totally worth it.