1. Beneficiaries of the Veterinary Costs Coverage

Pet Owners, Pet Sitters, and Borrowers who are users of Meet My Doggo can benefit from the Veterinary Costs Coverage, provided they comply with the conditions specified below.

2. Purpose of the Veterinary Costs Coverage

Meet My Doggo offers, on a commercial basis and at its sole discretion, a Veterinary Costs Coverage. This coverage allows Pet Owners, Pet Sitters, and Borrowers to obtain reimbursement for veterinary expenses concerning animals entrusted via Meet My Doggo. The covered costs are limited to expenses incurred during services or resulting from bodily injury suffered by the animals during a service, according to the conditions described below. Only bodily injuries to animals are covered by this Veterinary Costs Coverage.

This coverage also includes:

• The animals of Pet Sitters and Borrowers: If an animal under their care, within the framework of a service booked via Meet My Doggo, is responsible for damage caused to animals they own.
• Third-party animals: If they suffer damage caused by an animal under the care of a Pet Sitter or Borrower within the framework of a service booked via Meet My Doggo. This excludes animals cared for as part of a sitting, walking, or visiting service that was not booked through Meet My Doggo.

Important points to note:

• Not an insurance policy: This coverage does not constitute an insurance policy and is not intended to replace insurance contracts that Users must subscribe to.
• Encourage veterinary care: It is offered to ensure that Pet Sitters and Borrowers do not hesitate to consult a veterinarian in case of an accident during a sitting.
• Limited to unforeseeable accidents: The Veterinary Costs Coverage only reimburses unforeseen expenses related to accidents (damages resulting from intentional or criminal acts are therefore excluded, and related expenses remain the responsibility of the persons responsible for these acts).
• User responsibility: No payment made by Meet My Doggo under this coverage constitutes an exemption, reduction, or cancellation of a User’s liability for any damage or injury caused to an animal by that User or any other person, or for which a User is responsible. Users remain legally and morally responsible for the safety and well-being of animals when they are in their care.
• Maximum coverage limit: The total amount of the coverage offered by Meet My Doggo will in no case exceed the maximum amount defined in the conditions.

In summary, this coverage is a commercial offer intended to cover certain unforeseen veterinary expenses related to accidents occurring during services booked via Meet My Doggo. It aims to encourage Pet Sitters and Borrowers to consult a veterinarian without hesitation when necessary, while reminding Users that they remain fully responsible for the animals entrusted to them.

3. Amount of the Veterinary Costs Coverage

• Annual limit per animal: The Veterinary Costs Coverage covers up to €3,000 per animal per calendar year. This means that the total amount of reimbursements for the same animal cannot exceed €3,000 during a year.
• Deductible per claim: For each claim (incident resulting in veterinary expenses), a deductible of €50 is applied. This means that the first €50 of expenses remain the responsibility of the User for each declared claim.

Example:

If an animal requires veterinary care amounting to €500 following an accident:

• Deductible: €50 are deducted from the amount as the deductible.
• Reimbursable amount: The remaining €450 can be reimbursed under the coverage, at the discretion of Meet My Doggo and subject to compliance with other conditions.

4. Eligibility Conditions for the Veterinary Costs Coverage

To receive a payment under the Veterinary Costs Coverage, you must meet all the following conditions. If any of them are not met, you will not be eligible for compensation under this coverage. It is your responsibility to demonstrate that you meet each of these conditions.

Nature of damages and service period:

• Accidental damages: The damages suffered by the animal must be accidental in nature.
• Occurred during a service: The damages must have occurred during a service, namely:
  • Sitting at the Pet Sitter’s or Borrower’s home.
  • Sitting at the Owner’s home by a Pet Sitter or Borrower.
  • Visit to the Owner’s home by the Pet Sitter or Borrower.
  • Walking the animal by a Pet Sitter or Borrower.
• Exclusion: Damages occurring outside the dates and times of services booked via Meet My Doggo are not eligible. For example, an accident during a preliminary meeting between the Owner and the Pet Sitter or Borrower is not covered.

Booking and subscription via Meet My Doggo:

• Paid services with Pet Sitter: The service must have been booked and paid for via the Meet My Doggo platform.
• Volunteer services with Borrower:
  • The service agreement must have been concluded between two Users of Meet My Doggo.
  • Premium Subscription: Both Users (the Owner of the animal and the Borrower) must be subscribed to the Premium subscription at the time of the damage.

Exclusion of illnesses:

• No coverage for illnesses: The damages must not be the result of an illness.
• Responsibility in case of illness:
  • The Owner of the animal is responsible for veterinary expenses related to an illness.
  • If the Pet Sitter or Borrower has advanced veterinary expenses for an illness, the Owner must reimburse them.

Compliance with public safety rules:

• Animal on a leash or in a cage: Damages suffered in public areas when the animal was not on a leash or confined in a cage are excluded from the coverage.

Summary of conditions:

• Accident during a booked service: The damages must be accidental and occur during a service booked via Meet My Doggo.
• Valid booking: The service must be booked and paid for on the platform, or booked with a Premium subscription for volunteer services.
• No illnesses: Damages due to an illness are not covered by the coverage; the purpose of the coverage is to cover injuries during accidents.
• Public safety: The animal must be on a leash or in a cage in public areas for the coverage to apply.

It is essential to meet all these conditions and to be able to provide proof in order to benefit from the Veterinary Costs Coverage. If any of these conditions are not met, you will not be eligible for compensation.

5. Geographical Validity of the Veterinary Costs Coverage

The Veterinary Costs Coverage is valid worldwide. This means that, regardless of where the service takes place—in France or abroad—the coverage applies if all other eligibility conditions are met.

6. Conditions for Implementing the Veterinary Costs Coverage

To receive a payment under the Veterinary Costs Coverage, the User who paid the veterinary expenses must comply with the following conditions:

Declaration within 15 days following the damage:

• Send to Meet My Doggo, via the contact form or by email, within 15 days following the damage, a declaration signed and certified on honor.
• This declaration must describe:
  • The damage suffered.
  • Its nature.
  • Its cause.
  • The total amount of expenses incurred.

Documents to provide

• Paid invoices:
  • Copy of paid invoices related to the animal’s care.
  • The invoices must mention the name, type, and breed of the animal, and this must match the description of the entrusted animal registered on Meet My Doggo.
  • Meet My Doggo may, at its discretion, request the originals of the invoices to be sent by mail.
• Proof of payment:
  • Supporting documents showing that the invoices have been paid.
• Contact details of the veterinarian(s):
  • Name, address, and phone number of the veterinary clinics that provided the care.
• Proof of booking or subscription:
  • Confirmation that the service was booked via Meet My Doggo.
  • Or proof that the concerned Users are subscribed to Meet My Doggo.
• Owner’s veterinary insurance:
  • If the Owner has veterinary insurance for their animal, a copy of the insurance certificate.

Compliance with deadlines

• Provision of documents:
  • If you cannot provide all supporting documents within 15 days from the date of the damage, you must request an extension from Meet My Doggo.
  • This extension cannot exceed 30 days from the date of the last invoice related to the damage.
• Consequences of non-compliance:
  • Failure to provide adequate documents or providing incorrect information results in the loss of all benefits of the coverage.
  • Any declaration or proof provided after the 30-day period will be refused.

Obligation to declare other compensations

• You must inform Meet My Doggo of any compensation received by other means, such as:
  • Personal insurance.
  • Direct settlement by the party responsible for the damage.
• You must provide all supporting documents related to these compensations.

Priority of other insurances

• Owner’s veterinary insurance:
  • If the Owner has veterinary insurance, it must be used as a priority for reimbursement of expenses.
  • Meet My Doggo’s coverage acts as a supplement for amounts not covered, upon presentation of supporting documents.
• Third-party liability insurance:
  • If a third party is responsible for the damage, their liability insurance must be solicited as a priority.
  • Meet My Doggo’s coverage supplements amounts not covered by this insurance, upon presentation of supporting documents.

Settlement agreement and confidentiality

• Meet My Doggo may condition the final payment on the signing of an agreement by the concerned Users, which may contain:
  • A waiver of any claims against Meet My Doggo or other parties.
  • An obligation to keep confidential the amount, nature, cause of the damage, as well as any other information concerning the reimbursed veterinary expenses.

7. Exclusions

Here is the list of exclusions from this coverage:

• Any intervention or treatment performed by a person not registered with the Veterinary Order is not covered. This means that only care provided by legally recognized veterinarians is eligible.
• Any prescribed medication or intervention that is not directly related to the declared damage or accident will not be covered.
• Expenses for prostheses of any kind, including dental, ocular, or joint, are not covered. Exception: Orthopedic prostheses are covered only in case of an accident. If the animal needs an orthopedic prosthesis following an accident occurring during a service, these expenses may be covered.
• Expenses generated by arthropod stings or involuntary matings.
• Expenses related to contracting ticks, worms, fleas, or other parasites during the period when the animal is under the care of a Pet Sitter or Borrower, or if the animal already had a parasite problem before the service, and that problem reappears or worsens during a service.
• Expenses for diagnosis and treatment of rabies and anti-rabies tests.
• Non-medical expenses.
• Expenses for visits and care of “biting dogs”.
• Expenses for boarding in a veterinary clinic without medical justification.
• Expenses incurred more than 30 days after the date of the incident are not covered. Additionally, expenses related to long-term treatments resulting from the incident will not be covered.
• Expenses for animals that are part of professional breeding operations.
• Medication expenses resulting from a behavioral disorder.
• Expenses for removal, autopsy, and burial following the death of the animal.
• Expenses for euthanasia not justified by the animal’s health condition.
• Expenses incurred following an accident or illness caused by acts of war (civil or foreign), riots and civil commotions, nuclear disintegration.
• Expenses related to an illness of the animal (these remain the responsibility of the Owner of the animal).
• Expenses for transport in an animal ambulance not prescribed by a veterinarian and not justified by the animal’s health condition.
• Expenses caused or aggravated by the following events: mistreatment, lack of care, or lack of food attributable to a Pet Sitter or Borrower and paid by the person responsible for this mistreatment, lack of care, or lack of food.
• Expenses caused or aggravated by participation in hunting activities, organized fights, races, sports competitions, and their training.
• Expenses paid by a Pet Sitter or Borrower incurred when the Pet Sitter or Borrower has entrusted the control or care of an animal to a third party during a service.
• Expenses for vaccination or vaccination renewal.
• Non-economic damages of any kind are excluded, such as (but not limited to): scars and disabilities, moral prejudice, sentimental value, pain, and suffering.
• Expenses paid by persons other than the Users.
• Expenses caused or aggravated by a violation of the General Terms of Use of Meet My Doggo.
• Legal fees.

Meet My Doggo will not make any payment under the coverage if the settlement of the compensation:

• Violates legal sanctions: If the payment contravenes economic, financial, or commercial sanctions imposed by the law of the country where the coverage is applied.
• Violates international sanctions: If the payment violates economic, financial, or commercial sanctions imposed by Canada, the European Union, the United Kingdom, or the United States of America.