The Meowtel
Promise

Eligibility Requirements

• In order to qualify to receive insurance benefits with respect to a specific Cat Sitting booking, the Cat Sitting Fee, net of any sitter discounts or promotional coupons, for that booking must be at least $20 (the “Minimum Threshold”) for every visit listed on the Cat Sitting booking. For example, if a visit rate is set to $22 and a 25% sitter coupon brings the per-visit rate to $16.50, this Cat Sitting booking will not qualify for insurance. Meowtel may update from time to time the Minimum Threshold at its sole discretion by updating these Insurance Terms.
• Per our Terms, all communication between Users must be done through the Platform. The Meowtel chat room between both parties will be used as our primary documentation method to investigate any claim, so it is in both parties' best interest to keep all communication on Meowtel.
• YOU SHALL NOT BE ELIGIBLE FOR INSURANCE BENEFITS IF YOU USE OUR SERVICES FRAUDULENTLY OR FOR THE SOLE PURPOSE OF BENEFITTING FROM THIS INSURANCE. ANY VIOLATION OF THIS PROVISION CONSTITUTES INSURANCE FRAUD AND IS CRIMINALLY PUNISHABLE. IN ADDITION TO TERMINATING YOUR ACCESS TO THE PLATFORM, MEOWTEL RESERVES THE RIGHT TO TAKE ANY LEGAL ACTION AVAILABLE.

What's Covered For Customers

Subject to the terms and conditions of these Insurance Terms, Meowtel Insurance will cover the following for eligible Customer claimants:

• Any cat listed on a Meowtel reservation while under a Sitter's care, custody, or control.
• Sudden illness, injury, death, theft, or the mysterious disappearance of a cat if any of these were directly caused by a Sitter's actions or negligence and evidence satisfactory to us, in our sole discretion, can be provided.
• Property damage if the damage is directly caused by a Sitter's actions or negligence and evidence satisfactory to us, in our sole discretion, can be provided.
• Property theft if the theft is directly caused by a Sitter's actions or negligence and evidence satisfactory to us, in our sole discretion, can be provided.

What We Do Not Cover

• Injuries to any Sitter or Customer that is party to the Meowtel reservation.
• Injuries or damage to any other cat(s) or animals other than the cat(s) listed on the Meowtel reservation.
• Injuries or damage to a Customer's property which was caused by their own cat(s).
• Veterinary care or costs associated with any sudden illness, injury, or death of a cat due to natural causes, a cat's misbehavior, or a pre-existing medical condition before, during or after a Meowtel reservation ends.
• Any claim arising from cat hosting operations conducted in the Sitter's own home, which is a service type we do not offer. All Sitter services must be performed in the home of the Customer to be eligible for Meowtel Insurance coverage.
• Any incident that may occur during a “Meet and Greet” between a Customer and a Sitter or any other service not applicable to a Meowtel reservation.
• Any incident that may occur during a reservation that was not confirmed and paid for through Meowtel.
• Any cat that is intentionally let outside of the home at any point during the reservation, per the request of the Customer.
• In the case of injury to a cat, non-medical expenses.
• Damage, injury, or loss due to intentional or criminal acts, including theft that is premeditated or involves fraud, deception, or collaboration between the sitter and another party.
• Damage, injury, loss, or liabilities arising from a Customer's refusal to authorize medical care for his or her cat.
• Damage, injury or loss relating to a cat whose ownership or care is prohibited by or subject to registration under any applicable law.
• Damage, injury or other loss arising from a natural disaster or act of nature (including, without limitation, earthquakes, hurricanes, tornadoes, wildfires or other circumstances beyond the reasonable control of Sitter and/or Customer).
• Injuries resulting from or related to a Pre-Existing Condition, Breed-Specific Condition, Chronic Condition, Orthopedic Condition, Undetermined Cause Illness, Preventable Illness or Proptosis.
• Sitter business expenses, including but not limited to parking fines, parking fees, towing fees, locksmith or lockout-related charges due to lost keys, and any other incidental costs incurred by the sitter during a reservation.

Special circumstances

• Meowtel Insurance will be completely void on a reservation that includes any indoor/outdoor cat, outdoor cats, or feral cats. We do not guarantee the safety or well-being of any cat that is allowed outside the home.
• Meowtel Insurance may be void on any reservation where an individual other than the Customer or Sitter has access to and enters the Customer's home. Accompanied minors who are the children of the Sitter may attend reservation visits only if the Sitter has received written permission from the Customer via the Meowtel Inbox.
• No Meowtel Insurance coverage will apply if a Sitter or Customer relinquishes care, custody, or control of a cat to a third party during the reservation period.
• Meowtel Insurance will not apply if the damage, injury, or loss claims arose, in whole or in part, from conduct from a claimant that violates the Meowtel Standard Terms and Conditions.

Policy Limits

• $10,000 per occurrence related to the cat(s).
• $2,000,000 per occurrence related to the Customer's property.
• A $250 deductible per incident, payable by the Sitter, for injury or harm to the Customer's cat, for property damage, or for property theft. Requests for coverage that do not exceed $250 will not trigger any Meowtel Insurance coverage. All claims are subject to Meowtel Insurance provider's acceptance and approval and the terms and conditions of our insurance policy. We are not responsible for any denials of claims by our insurance provider.
• The policy limits represent the maximum liability of Meowtel.

How To Report An Incident

• Any incident occurring during a reservation must be reported during the reservation or within 72 hours of the last date listed on the reservation.
• Please call 1-844-MEOWTEL to report an incident. A support specialist will be happy to assist you!
• You must promptly provide all necessary information and documentation reasonably requested by Meowtel in order to begin processing any eligible claim. Documentation may include security camera footage with clear timestamps, phone call history, and receipts/invoices.
• In exchange for Meowtel Insurance coverage for a claim, we may require you to sign a settlement agreement, including a release of claims against us.

Disclaimers

TO THE EXTENT A CUSTOMER OR SITTER DESIRES PROTECTION BEYOND THE SCOPE OF THESE TERMS, THE CUSTOMER OR SITTER MUST PURCHASE INSURANCE IN ADDITION TO THE TERMS PROVIDED HEREIN. A CUSTOMER OR SITTER ONLY HAS RIGHTS UNDER THESE INSURANCE TERMS IF HE OR SHE MEETS THE CONDITIONS OF THESE INSURANCE TERMS WITH RESPECT TO THE APPLICABLE COVERED LOSS WHILE THE INSURANCE TERMS ARE IN EFFECT. THERE ARE NO THIRD-PARTY BENEFICIARIES TO THESE INSURANCE TERMS OR ANY OTHER REPRESENTATIONS REGARDING THESE INSURANCE TERMS.

IN NO EVENT SHALL MEOWTEL INCLUDING PURSUANT TO THE MEOWTEL INSURANCE POLICY BE RESPONSIBLE FOR CONSEQUENTIAL, INCIDENTAL OR SPECIAL DAMAGES (INCLUDING, WITHOUT LIMITATION, INTERRUPTION OF BUSINESS, OPPORTUNITY COSTS OR LOSS OF USE).