What is Pet assisted therapy?
Pet assisted therapy, also known as animal-assisted therapy, is a therapeutic approach that incorporates trained animals to help individuals improve emotional, social, or cognitive functioning. It’s commonly used in hospitals, schools, rehabilitation centers, and elder care facilities. These therapy sessions are typically facilitated by certified professionals or trained volunteers who partner with animals such as dogs, cats, or even miniature horses.
Because these activities often take place in public or semi-public environments, there are potential liability exposures, including risks of accidental injury to participants or damage to property. That’s why pet assisted therapy professionals often seek specialized insurance coverage.
Who needs it
This type of insurance is essential for therapy animal handlers, clubs, nonprofit organizations, healthcare facilities, and independent contractors who operate pet-assisted therapy programs. Whether you're visiting a hospital with a therapy dog or running an animal-assisted wellness program in schools, having proper coverage helps manage facility-related risks and participant injury exposures.
What it typically covers
Pet assisted therapy insurance generally includes several components to protect both the handler and the organization:
- General liability – Covers bodily injury or property damage caused during therapy sessions.
- Participant accident coverage – Offers protection if a client is accidentally injured during a session.
- Professional liability – Also known as errors and omissions, this helps cover claims related to the professional services provided.
- Property coverage – For damage or loss of equipment or therapy-related supplies.
For example, if a therapy dog unintentionally causes a child to trip during a school visit, general liability coverage can help handle resulting claims.
Common exclusions or limitations
Typical exclusions may include intentional acts, unlicensed animal handlers, or unapproved activities outside the scope of the policy. Many insurers also require proof of training and certification for therapy animals to qualify for coverage. It's important to review policy details carefully to understand what is and isn’t covered.
Factors that influence cost
Premiums for pet assisted therapy insurance depend on several underwriting factors such as:
- Number of animals and handlers involved
- Scope and frequency of therapy sessions
- Types of clients or populations served
- Locations and facilities visited
Additional considerations may include transportation risks if animals are moved between locations or events.
Proof of insurance & compliance
Many facilities—such as hospitals or schools—require proof of insurance before allowing therapy visits. A certificate of insurance (COI) serves as evidence of coverage and may be requested by facility administrators or event organizers. Always ensure your policy meets the requirements of the venues you work with.
How to get a quote
To find the right insurance for your pet-assisted therapy program, work with a provider experienced in animal-related liability coverage. They can help assess your unique risks and recommend appropriate protections.
Get a quote today to protect your pet-assisted therapy work.
For more insights on this topic, see our page on Animal-Assisted Therapy Insurance. You may also find our article on Health Benefits of Drum Therapy and Pet Insurance helpful.
Frequently Asked Questions
Do I need insurance if I volunteer with a therapy animal?
Yes, even volunteer handlers can face liability exposures. Insurance helps protect you and the organization you represent.
Is my personal pet covered automatically?
No, most policies require that therapy animals be certified and approved for coverage. Personal pets used for casual visits may not be covered.
What happens if my therapy animal causes an injury?
General liability coverage may help respond to claims of injury or property damage caused during a session, depending on policy terms.
Can I use the same policy for multiple animals?
Some policies allow for multiple certified animals under one policy, but this depends on the insurer and program details.
Does this insurance cover travel to different facilities?
Yes, many policies include coverage for off-site visits, but you should confirm with your insurer that travel-related risks are included.
Still have questions? Talk to a local insurance expert.