I put the two heavyweights of the “Instant Quote” world head-to-head. PCI (Pet Care Insurance) vs. FLIP (Food Liability Insurance Program – Wait, they do pets?)… actually, let’s compare PCI vs Pet Sitters Associates (PSA), as FLIP is for food. (Correction: Veracity Insurance writes both PCI and FLIP, so the backend is similar, but let’s look at the market leaders).
Author’s Note: I will compare PCI vs PSA vs BIC.
Key Takeaways
- PCI (Pet Care Insurance): Best for the “fast and cheap” solo walker. Instant online bind. Good basic coverage.
- PSA (Pet Sitters Associates): Best for “Membership” benefits and no breed exclusions. Slightly more manual feel, but robust.
- BIC (Business Insurers of the Carolinas): Best for “Pros.” Requires membership in PSI/NAPPS. Highest limits, most customizable.
- The “Gotchas”: Deductibles vary wildly. PCI applies a deductible to vet bills; some others don’t.
The “Why” (The Trap): One Size Does Not Fit All
The trap is price shopping.
PCI might be $19/month. BIC might be $25/month.
But if BIC covers “Lost Keys” up to $5,000 and PCI covers $2,000, and you lose a key to a mansion… the $6 savings cost you $3,000.
Also, Breed Exclusions. PSA has none. PCI might (depending on the specific underwriter).
[IMAGE: Comparison Chart Graphic with 3 Columns: PCI, PSA, BIC]
The Investigation: Head-to-Head
1. PCI (Pet Care Insurance)
- Pros: Slick interface. Monthly payments allowed. Bailee included.
- Cons: Lower sub-limits on some endorsements.
- Best For: The side-hustle walker or Rover user going private.
2. Pet Sitters Associates (PSA)
- Pros: NO BREED EXCLUSIONS. This is their killer feature. Also, very affordable (~$190/yr).
- Cons: Website feels dated. Claims process can feel slower.
- Best For: Walkers of Pit Bulls, Rottweilers, and large packs.
3. Business Insurers of the Carolinas (BIC)
- Pros: Professional grade. They understand the industry deeply. Covers “Bonding” well. High limits available.
- Cons: Must pay to join a trade org (PSI/NAPPS) first.
- Best For: Full-time LLCs with employees.
Comparison Table
| Feature | PCI | PSA | BIC |
| Annual Cost (Est) | ~$230 | ~$195 | ~$300+ (w/ dues) |
| Breed Exclusions | Check Policy | None | None |
| Bailee Limit | Adjustable | $1k (Base) – $5k | High Options |
| Employees | Add-on | Add-on | Comprehensive |
Step-by-Step Action Plan
- Assess Your Breeds: Do you walk power breeds? Go PSA.
- Assess Your Revenue: Just starting? PCI is fast and easy.
- Assess Your Growth: Hiring staff? BIC offers the best employee dishonesty/bonding packages.
- Read the Specimen: Don’t just buy. Download the “Specimen Policy” before paying and search for “Exclusions.”
FAQ
Are these companies the insurers?
No, they are agencies/brokers. The actual insurance is written by big carriers (like Markel, Evanston, etc.).
Can I switch mid-year?
Yes. You can cancel and get a pro-rated refund (usually) and switch if you find better coverage.
Do they cover me internationally?
Usually NO. Territory is typically “USA and Canada.” If you sit in Europe, you need travel/expat insurance.