In fact, most insurers will actually refuse claims for household items damaged by dogs, cats, budgies and even goldfish. Others will only cover damage caused by pets if you take out full accidental damage cover alongside your home contents policy.

Before taking out a policy, it is therefore vital for Pet Business Sitters to read Product Disclosure Statements to see whether one-off accidental damage caused by furry guests will be covered.

For example, some insurers say they will cover for animal damage – however you need to read the PDS to understand under what circumstances they will cover animal damage. For example, they might cover you if a gecko wees on electrical wires or circuit boards that break an airconditioning unit, but they may not cover damage by your own pet, a flatmate’s pet, or a visiting guest pet you are pet sitting. ?Don’t feel intimidated by PDS’s.

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