Accident & 3rd party liability insurance terms

Last updated: 15th March 2021

I. The Insurance Promise

We will cover sitters for up to $1m per incident, in respect of loss from having to pay damages and costs to others which arise from any single event occurring during a sit if the pet causes: (a) death or injury to a person; or (b) loss or damage of their property.

Sitters must comply with all requirements and conditions in the insurance terms in order to be eligible to benefit from the policy.

This insurance cover is only for sitters who have an active standard or premium membership and have agreed and confirmed a sit on the TrustedHousesitters Platform, with a start date within their paid membership term.

II. Definitions

''Claim payment request form'' means the standard form, accessible by contacting TrustedHousesitters Membership Services directly, that a sitter uses to request payment from us pursuant to these insurance terms.

''Insurance Limits'' means $1m per incident, or its equivalent in the currency where the home is located, at the exchange rate applicable shown on OANDA.com on the date of payment. 

''Insurance terms'' means the terms and conditions of the TrustedHousesitters sit cancellation insurance policy as laid out in this document.

''Owner'' means owner members who create an approved listing of their home on our platform.

“Pet” means a cat or dog owned by the owner member

 ''Platform'' means the online platform accessed via our website (www.trustedhousesitters.com) or our mobile application.

''Sit'' means a stay by a sitter(s) at a home for an agreed period of time organised, confirmed and accepted through our platform.

''Sitter(s)'' means eligible individuals or families who have agreed to our terms and conditions who have organised to stay in a home including individuals invited to be present at a home by the sitter(s) during a sit.

''We/Us/Our'' means TrustedHousesitters.

III. What's not covered?

The policy will not cover sitters for any of the following:

  1. Any loss, damage, liability, cost or expense of any kind for any pet which is less than 8 weeks of age at the start of a booking or does not belong to the owner.
  2. Any loss, damage, liability, cost or expense of any kind for malicious or willful injury or gross negligence to the pet which is caused by the owner or the sitter.
  3. Any loss, damage, liability, cost or expense of any kind for any pets which are not dogs or cats.
  4. The sitter fails to provide proof of financial loss in respect to any claim.
  5. For losses in excess of the insurance limits.
  6. If sitters, or anyone acting for sitters makes, or attempts to commit fraud, such as a false or exaggerated claim, we will reject the claim payment request form and any subsequent claim payment request forms. We will notify the sitter if we do this. Additionally:

  (a) if we have made any payments in respect of fraudulent activities, sitters must repay that sum to us. 

  (b) if there has been fraudulent activity to secure benefits under these insurance terms this will result in no payment being made. 

  (c) we may also notify the relevant authorities, so that they may consider criminal proceedings.

  1. We shall not provide any benefit or be liable to provide any benefit under this policy which:

  (a) would breach economic, financial or trade sanctions imposed under the law of the country in which the insurance terms are issued or would otherwise provide benefit, or;

  (b) would breach economic, financial or trade sanctions imposed by Canada, the European Union, United Kingdom or the United States of America;

  (c) all other terms provisions and conditions of this policy shall have full force and effect.

  1. Loss or damage of anything owned by or the legal responsibility of the owner, their family, their domestic employees who normally live with the owner or the sitter. 

Liability arising from:

  1. any employment, trade, profession or business of the host or the sitter.
  2. the use of the pet for trade, profession or business.
  3. death, injury, loss or damage to any of the owners, their domestic employees, anyone employed under contract of service by the owner or the sitter.
  4. liability accepted by the host or sitter under any agreement, unless the liability would exist without the agreement.
  5. liability covered by any other policy unless all the cover under that policy has been used up.
  6. fines, penalties or breach of quarantine restrictions or import or export regulations.

IV. How we settle claims

Acknowledgments and agreements by sitters

1. Purpose of the insurance policy

Sitters acknowledge and agree that TrustedHousesitters reserves the right to independently investigate (or to have independently investigated) at our sole discretion and expense, the facts and circumstances of a payment request set forth in any claim payment request form that sitters file with TrustedHousesitters, notwithstanding delivery of all information and materials that are required.

2. Owners/Sitter(s) communications

Sitters acknowledge and agree that when requesting a payment under this policy cover, they give TrustedHousesitters consent to review all communications between owners and sitter(s), on and off the platform.

3. Offsetting

Sitters acknowledge and agree that TrustedHousesitters reserves the right, at any time, to offset or deduct from the amounts payable or paid by TrustedHousesitters to sitters under these insurance terms, any amounts that it may have in its possession, or to subsequently collect, from any other person or entity who is obligated to compensate sitters for losses.

4. Exoneration

Sitters acknowledge and agree that because these terms constitute an insurance agreement, the theory of exoneration applies. Thus, if the loss in question or the risk associated with that loss changes materially, TrustedHousesitters will be entitled to exoneration with respect to any potential guaranty obligation under these insurance terms.

5. Changes to TrustedHousesitters insurance terms

Sitters acknowledge and agree that to the extent permissible by applicable law in your jurisdiction, TrustedHousesitters reserve the right to modify or terminate these insurance terms, at any time, at our sole discretion.

If we terminate these insurance terms, we will provide owners and sitter(s) with notice by email at least thirty (30) days before such termination and we will continue to process all claim payment request forms that you filed prior to the effective date of termination, but your right to file any new claim payment request form after the effective date of termination will immediately end.

If we modify these insurance terms, we will post the modification on TrustedHousesitters' website. We will continue to process all claim payment request forms that you filed prior to the effective date of the modification.

In addition to and without limiting our rights set forth above in the immediately preceding paragraph, we reserve the right to modify or terminate these TrustedHousesitters insurance terms generally or in any jurisdiction, at any time, in its sole discretion, if:

(a) these TrustedHousesitters insurance terms are construed to be an offer to insure or constitute insurance or an insurance contract or insurance service agreement by any governmental or regulatory authority in any jurisdiction;

(b) we are required to obtain a license or permit of any kind to continue to provide these TrustedHousesitters insurance terms in any jurisdiction; or

(c) we determine that a court or arbitrator holds that the provisions of these TrustedHousesitters insurance terms violate applicable law.

If we modify or terminate these TrustedHousesitters insurance terms in accordance with the foregoing, we will process all claim payment request forms that are filed prior to or as of the effective date of such modification or termination unless such processing is prohibited by law, regulation, ordinance, order, or decree of any governmental or other authority.

6. Transferring Sitters interest in the insurance waiver:

Sitters may not transfer their interest in this insurance cover to anyone else without our written consent.

7. Subrogation

TrustedHousesitters have the right to subrogate against any person or entity whatsoever who allegedly is responsible for causing the losses in question, even if that person or entity are owners and/or sitter(s). Further, sitters hereby agree that, with respect to any payments made under the insurance cover by, or on behalf of, TrustedHousesitters, sitters will assist in and cooperate fully with TrustedHousesitters regarding any and all efforts at subrogation.

8. Disclaimers and Limitations of Liability

If sitters choose to use TrustedHousesitters sitters do so at their sole risk. The insurance cover is provided “as is”, without warranty of any kind, either express or implied.

Sitters acknowledge and agree that, to the maximum extent permitted by law, the entire risk arising out of their access to and use of the TrustedHousesitters, and their arranging of any housesits via TrustedHousesitters remains with them. Neither TrustedHousesitters nor any other party involved in creating, producing, or delivering the sit will be liable for any incidental, special, exemplary or consequential damages, including lost profits, loss of data or loss of goodwill, service interruption, computer damage or system failure, or for any damages for

(a) personal or bodily injury or emotional distress arising out of or in connection with these insurance terms;

(b) from the use of or inability to use the TrustedHousesitters;

(c) from any communications, interactions or meetings with other users of the TrustedHousesitters or other persons with whom you communicate or interact as a result of your use of the TrustedHousesitters, or

TrustedHousesitters will not be liable for any such damages described above, whether based on warranty, contract, tort (including negligence), product liability or any other legal theory, and whether or not TrustedHousesitters has been informed of the possibility of such damage, even if a limited remedy set forth herein is found to have failed of its essential purpose.

V. Conditions

Acknowledgments and agreements by sitters

1.  Purpose of the insurance policy

Sitters acknowledge and agree that:

  (a) TrustedHousesitters reserves the right to independently investigate (or to have independently investigated) at our sole discretion and expense, the facts and circumstances of a payment request set forth in any claim payment request form that sitters file with TrustedHousesitters, notwithstanding delivery of all information and materials that are required. 

  (b) For any sit cancellation, the sitter must first allow TrustedHousesitters to attempt to source an alternative registered housesit, before seeking recourse to this policy. 

2. Owners/Sitter(s) communications 

Sitters acknowledge and agree that when requesting a payment under this policy cover, they give TrustedHousesitters consent to review all communications between owners and sitter(s), on and off the platform.

3. Offsetting 

Sitters acknowledge and agree that TrustedHousesitters reserves the right, at any time, to offset or deduct from the amounts payable or paid by TrustedHousesitters to sitters under these insurance terms, any amounts that it may have in its possession, or to subsequently collect, from any other person or entity who is obligated to compensate sitters for losses.

4. Exoneration 

Sitters acknowledge and agree that because these terms constitute an insurance agreement, the theory of exoneration applies. Thus, if the loss in question or the risk associated with that loss changes materially, TrustedHousesitters will be entitled to exoneration with respect to any potential guaranty obligation under these insurance terms.

5. Changes to TrustedHousesitters insurance terms 

Sitters acknowledge and agree that to the extent permissible by applicable law in your jurisdiction, TrustedHousesitters reserve the right to modify or terminate these insurance terms, at any time, at our sole discretion.

If we terminate these insurance terms, we will provide owners and sitter(s) with notice by email at least thirty (30) days before such termination and we will continue to process all claim payment request forms that you filed prior to the effective date of termination, but your right to file any new claim payment request form after the effective date of termination will immediately end.

If we modify these insurance terms, we will post the modification on TrustedHousesitters' website. We will continue to process all claim payment request forms that you filed prior to the effective date of the modification.

In addition to and without limiting our rights set forth above in the immediately preceding paragraph, we reserve the right to modify or terminate these TrustedHousesitters insurance terms generally or in any jurisdiction, at any time, in its sole discretion, if:

  (a) these TrustedHousesitters insurance terms are construed to be an offer to insure or constitute insurance or an insurance contract or insurance service agreement by any governmental or regulatory authority in any jurisdiction; 

  (b) we are required to obtain a license or permit of any kind to continue to provide these TrustedHousesitters insurance terms in any jurisdiction; or 

  (c) we determine that a court or arbitrator holds that the provisions of these TrustedHousesitters insurance terms violate applicable law.

If we modify or terminate these TrustedHousesitters insurance terms in accordance with the foregoing, we will process all claim payment request forms that are filed prior to or as of the effective date of such modification or termination unless such processing is prohibited by law, regulation, ordinance, order, or decree of any governmental or other authority.

6. Transferring Sitters interest in the insurance waiver: 

Sitters may not transfer their interest in this insurance cover to anyone else without our written consent.

7. Subrogation 

TrustedHousesitters have the right to subrogate against any person or entity whatsoever who allegedly is responsible for causing the losses in question, even if that person or entity are owners and/or sitter(s). Further, sitters hereby agree that, with respect to any payments made under the insurance cover by, or on behalf of, TrustedHousesitters, sitters will assist in and cooperate fully with TrustedHousesitters regarding any and all efforts at subrogation.

8. Disclaimers and Limitations of Liability

If sitters choose to use TrustedHousesitters sitters do so at their sole risk. The insurance cover is provided “as is”, without warranty of any kind, either express or implied.

Sitters acknowledge and agree that, to the maximum extent permitted by law, the entire risk arising out of their access to and use of the TrustedHousesitters, and their arranging of any housesits via TrustedHousesitters remains with them. Neither TrustedHousesitters nor any other party involved in creating, producing, or delivering the sit will be liable for any incidental, special, exemplary or consequential damages, including lost profits, loss of data or loss of goodwill, service interruption, computer damage or system failure, or for any damages for

  (a) personal or bodily injury or emotional distress arising out of or in connection with these insurance terms; 

  (b) from the use of or inability to use the TrustedHousesitters; 

  (c) from any communications, interactions or meetings with other users of the TrustedHousesitters or other persons with whom you communicate or interact as a result of your use of the TrustedHousesitters, or 

TrustedHousesitters will not be liable for any such damages described above, whether based on warranty, contract, tort (including negligence), product liability or any other legal theory, and whether or not TrustedHousesitters has been informed of the possibility of such damage, even if a limited remedy set forth herein is found to have failed of its essential purpose.

VI. Contacting TrustedHousesitters

If you have any questions about these TrustedHousesitters Sit Cancellation Terms, please email us