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The DogStays Sitter Shield

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'The DogStays Sitter Shield' protects Dog Sitters registered with DogStays against third party claims made against them during or related to a DogStays Booking (if and when they are found responsible/liable).

While this protection is mainly for dog sitters in our network, in some situations the third part claims protection may also extend to other individuals living in the dog sitter's home, if they are not insured or not sufficiently insured independently.

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WHAT is included?

  1. This is valid for all booking days/nights between 1st October to 31st December 2023. This means if your booking starts on 28th September and ends on 6th October, the days/nights from 1st to 6th October will be covered. Similarly, if a booking starts on 25th December and ends on 6th January, the days/nights till 31st December 2023 will be covered. 

  2. This is valid only for bookings confirmed and accepted through DogStays, only covers dog(s) included in the booking and is only valid for the duration of the confirmed booking. 

  3. It will also cover legal defense costs, so you have the opportunity to defend a claim against you and, if you are found liable,our insurance provider will compensate the party making the claim for the damages they have suffered.

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Specifically, if you are found responsible/liable, you are protected in case you, or your the dog you are caring for cause: 

  • Third party property damage

  • Third party bodily injury

  • Third party financial loss that is the direct consequence of a covered property damage or bodily injury caused by you or a dog you are caring for

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To help you understand, here are some example of situations which would be covered by the DogStays Sitter Shield (IF you are found responsible): 

  • A dog you are looking after escapes and bites a child

  • A dog you are caring for bites another dog while you are out on a walk 

  • A dog you are caring for is bitten by another dog

  • The dog you are caring for gets away from you and causes a car accident

  • You accidentally step on the dog you are caring for and it is injured

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It is also important for you to understand what types of situations are NOT* covered by the DogStays Sitter Shield:

  1.  Damage to you or your own property or injury to your own dog cannot be protected under this insurance since this is third party insurance

  2. Any ‘intentional’ acts committed by you will not be covered by the insurance

  3. Liability insurance always includes a list of exclusions and conditions. You can view the detailed list of these here

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*please note that these are just some examples of situations which are not covered and it is not an exhaustve list of exclusions.

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Deductibles

Like in any insurance, this is the amount that you are responsible for paying even when insurance will cover the claim.

Please note: Our insurance provider will intervene from the first euro for any bodily injury, but will apply a deductible of EUR 375 on any material or financial damage you are found responsible for. In case you cause damage to the dog that you are caring for, a deductible of €150 would apply. This means you would need to pay the first 150 euros for the treatment/care/compensation and our insurance provider would pay the rest. Please look at our deductibles table here for details on each type of coverage and the deductible which would be applicable.

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Answers to some questions you might have:

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Question: What should you do in a situation where someone claims damages against me?

In case of any legal claim/action against you related to a DogStays booking, please inform us at DogStays immediately and we will get the right team involved. 

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Question: Do I need to pay for this insurance?

At this time, from 1st October - 31st December 2023, we are offering this insurance to you absolutely free.

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Question: When does the insurance cover start?

 The cover for a booking is valid during the entire booking (from start date+time to end date+time). 

 

Question: Why is my own home not covered by this insurance?

In Luxembourg, third party liability insurance cannot protect the insurer's own property from damage and hence in this case your own home cannot be protected by this cover.

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In case you have any other questions, please write to us at dogstays@gmaill.com or contact@dogstays.lu and we will be happy to answer your questions.

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Please note: DogStays reserves the right to modify any terms of this insurance or withdraw it at its discretion.

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