Pet Sitters: Yes, you are covered in case the guest pet is injured or accidentally causes damages to third parties.

But - if Sitters choose to offer pet sitting from their own home; and their own goods get damaged from a visiting pet they are minding - their goods are not covered under our policy and they would need to arrange cover under their own contents insurance which they would arrange in advance with a company if they choose to do so.  


Pet Owners: Yes, your pet is covered in case of accident or emergency.

For example, in the event that your pet is in the care of a Sitter and they escape and are hit by a car and require Vet attention, PetCloud’s liability insurance will cover this. Also, in the event that your pet swallows an object and requires surgery to remove the object, our insurance will cover this.


All pets booked with Sitters through PetCloud are covered with Public Liability Insurance.


In the event a minder's actions lead to loss, injury or damage to property, at a Pet Owners home, this cover will protect you when:

  • A pet escapes and gets injured while in a Pet Sitter's care
  • A pet is injured and requires Veterinary treatment
  • A pet injures another pet while in care
  • A pet sitter's own animal is injured while caring for another animal
  • An excess of $250 is required by the Pet Sitter in the event of a successful claim whether the Pet Sitter is at fault or otherwise

NOTE: for the following policies to take effect, ALL pet sitting must be booked via the petcloud.com.au website and paid in full. All claims must then be received within 30 days of the incident that is deemed to have caused the claim.

  • Public Liability cover
  • Care Custody & Control cover (the visiting pet)
  • Errors and Omissions (Professional Liability) – This refers to accidental injury to a guest pet in the sitter’s care. This type of insurance brings comfort to pet owners and sitters as, often, any non-negligent harm arises where an animal in the sitter’s care has been accidentally harmed in the course of service delivery, through no specific fault of the sitter. 

While these policies are good back stops, they are no replacement for common sense, conducting thorough meet and greets, backyard inspections, booking RSPCA accredited Sitters and ensuring the Pet Sitter has all the information they need to care for your unique pet while you are away.


Hypothetical Situations

  • Scenario 1 Your dog loves to go for beach walks. The sitter takes the dog for a walk with the dog and hidden under the sand is a bluebottle that stings the dog. The dog ends up needing vet care. This would be covered under the care custody and control section.
  • Scenario 2 A Pet Owner takes a dog for a walk in the park 1 day before the pet stay begins. The dog eats some old meat in the park and the next day is dropped off at the sitters and appears fine. Then in the sitters care gets sick and has to go to vet. The Pet Owner would need Pet Insurance to cover the vet bill (for accident and Illness) as there is no negligence from the pet sitter’s actions.
  • Scenario 3 Person is doing house sitting at the Owners home and is told not to let dog inside. Dog gets in side and chews furniture. Furniture is covered.
  • Scenario 4 A visiting dog gets out and goes missing during a pet stay. A stranger pulls up in the car and takes the dog to a local vet. The dog doesn’t get reunited with the pet owner for 1 week and so the vet wants to charge the Owner for dog boarding. This would be covered under errors and omissions.
  • Scenario 5 A Pet Sitter takes a visiting dog for a walk in a nearby park and the dog gets a tick. In the sitters care gets sick and has to go to vet. The Pet Owner would need Pet Insurance as there is no negligence from the pet sitter.

In Summary

  • We provide cover for accidents that lead to damage or injury to individuals or pets in care
  • All claims are processed by our Internationally accredited, AAA rated insurer
  • We provide cover for Pet Sitters where any claim is made against the services they provide


Use of our service denotes acceptance of all Terms and Conditions of our website and these insurances. For full details see our Terms and Conditions.


Insurance typically doesn't cover:

  • Damage to the Pet Sitter's property
  • Injury caused by the pet to the host, host family or host pet
  • Claims arising from the care of designated dangerous dogs, or guest pets that have previously attacked another animal or human requiring medical attention
  • Breach of professional conduct – for example, walking the animal off-leash in an on-leash area, disregarding PetCloud's Sitter rules
  • Pre-existing medical conditions, illness or old age
  • Reduction in potential show or stud value.