The Meowtel Guarantee

Last updated: January 20, 2026

Cat Sitters and Clients may benefit from the Meowtel Guarantee, which is subject to these Terms and Conditions (the “Meowtel Guarantee Terms”). These Meowtel Guarantee Terms apply in addition to Meowtel’s Terms of Service (the “Meowtel TOS”) and other terms and policies applicable to our Services. Unless otherwise defined here, all capitalized terms will have the meaning set forth in the Meowtel TOS.

1. The Meowtel Guarantee

The Meowtel Guarantee is Meowtel’s agreement to pay a Client when a Cat Sitter fails to pay for certain cat veterinary expenses or certain costs arising from eligible property damage as set forth below (“Covered Losses”), subject to limitations, exclusions and conditions described in these Meowtel Guarantee Terms. In these Meowtel Guarantee Terms, “Requesting Client” means and is limited to a Client who is eligible to request payments for a Covered Loss, and; “Responsible Cat Sitter” means and is limited to a Cat Sitter whose acts or omissions are the direct and primary cause of a Covered Loss.

The purpose of the Meowtel Guarantee is to promote user confidence in the Meowtel Service.

2. General Conditions, Limitations and Exclusions.

When you submit a claim for reimbursement under the Meowtel Guarantee, you agree to use your best efforts to communicate honestly and transparently with Meowtel, including by promptly providing documentation or information we reasonably request to facilitate our review process (including information regarding applicable insurance, such as homeowners or renters policies). Failure to provide adequate documentation or providing fraudulent information will terminate all benefits under the Meowtel Guarantee.

In addition, the following terms and conditions apply to all Covered Losses:

1. The costs for which you seek reimbursement must arise from injury or damage that (i) occurred during the scheduled start and end dates of a Cat Sitting reservation booked and paid for on the Meowtel platform, and (ii) was a direct and proximate result of the Cat Sitting Services. This means that costs arising from injuries or damages sustained during a “meet & greet” or any other service are not eligible for reimbursement, and reservations where the payment amount totaled less than $20 per service visit are not eligible for reimbursement.
2. Only reservations where the payment amount, net of any discounts or promotional coupons, must be at least the amount of a “Minimum Threshold” for every visit listed on the Cat Sitting booking. Unless otherwise specified, the Minimum Threshold shall be $20. This means, 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 the Meowtel Guarantee. Meowtel may update the Minimum Threshold at its sole discretion from time to time.
3. The injury or damage for which you seek reimbursement must have been directly and proximately caused by the acts or omissions of a Cat Sitter.
4. You must notify Meowtel of your claim by calling 1-844-636-9835 or emailing [email protected] during the reservation (or, if later, within 72 hours following the injury or damage).
5. Before the Meowtel Guarantee applies, Meowtel may, in its discretion, first try to help resolve problems with Responsible Cat Sitter directly or otherwise confirm independently that the Responsible Cat Sitter is unwilling or unable to pay.
6. If a Client instructs, authorizes or otherwise causes a Cat Sitter or other party to relinquish the Client’s cat to a third party during a reservation, reimbursement for injuries or damages that occur during that time are not available.
7. Reservations that include any indoor/outdoor cat, outdoor cats, cats the Client instructs are allowed outside the home during the reservation, or feral cats are not eligible for the Meowtel Guarantee.
8. Reservations where an individual other than the Client and Sitter has access to and enters the Client’s home (e.g., a housekeeper or a friend helping with the cat(s)) are not eligible for the Meowtel Guarantee.
9. The Meowtel Guarantee is subject to the Meowtel TOS. Meowtel reserves the right to deny a reimbursement request in the event that the loss, injury or damage arose, in whole or in part, from conduct by a claimant that violates the Meowtel TOS.
10. The Meowtel Guarantee does not extend to the following:
    • Damage, injury or other loss or claim arising in any way from automotive liability, including loss arising from any car accident
    • Damage, injury or other loss or claim arising from acts of nature or other external factors, including but not limited to wildfires, storms, failure of public utilities, etc.
    • Losses not directly caused by a Responsible Cat Sitter’s acts or omissions, including without limitation consequential damages, special damages, interruption of business, lost wages, opportunity costs, loss of use, or loss associated with unauthorized access to data.
    • Non-economic damages of any kind including emotional damages, sentimental value, pain and suffering, etc.
    • Losses and damages paid by any other insurance (see Section 5), including without limitation health insurance, pet insurance, homeowners insurance, or renters insurance.

3. Covered Losses for Cat Injury

Subject to these Meowtel Guarantee Terms, Meowtel will reimburse verifiable veterinary expenses arising from injuries to a Client’s cat while in the care of the Cat Sitter during a reservation.

(a) Additional Conditions and Limitations.

• Within 14 days following the injury, you must submit written documentation from a board-certified practicing veterinarian that (a) specifies the costs incurred for which reimbursement is sought, (b) states the diagnosis and confirms that the injury did not result from any of the exclusions listed herein, (c) confirms that the injury occurred during the time period of the reservation, and (d) provides any other information we reasonably request.
• Only costs incurred for treatment provided within 30 days following the date of the injury are eligible for reimbursement.
• The aggregate reimbursement for Covered Losses related to client property and cat injury described above is collectively limited to $10,000 regardless of the number of claims or claimants.

(b) Specific Exclusions.

The following are not eligible for reimbursement:

• Costs incurred more than 30 days following the date of injury, including without limitation any long-term care costs resulting from the injury.
• Costs or liabilities arising from a Client’s or a Client’s agent’s refusal to authorize medical care for a cat.
• Injuries resulting from (or from a recurrence of) a pre-existing condition such as an injury, disease or condition that affected a cat prior to the Cat Sitting Services.
• Costs or expenses resulting from a cat’s pregnancy, illness, or recurrence of illness, or for preventative care.
• Non-medical expenses of any kind.
• Any costs or expenses other than direct damages resulting from injury to the Client’s cat, including but not limited to those relating to (a) personal injury to the Cat Sitter, Client, or any third party, (b) injury to any other pet, (c) emotional distress or “pain and suffering,” or (d) changed or canceled travel plans, loss of wages, or any other incidental expenses.

4. Covered Losses for Damage to Client Property.

Subject to these Meowtel Guarantee Terms, Meowtel will reimburse a Requesting Client for expenses that a Cat Sitter is legally obligated (but fails) to pay for damage to the Client’s personal property (other than injury to their cat, covered above).

(a) Additional Conditions and Limitations.

• Within 14 days following the incident causing property damage, you must (a) submit written documentation of the same, including clear photographs of the claimed damage, proof of ownership, and receipts or other reliable evidence of fair market value and/or repair cost, and (b) provide any other information we reasonably request.
• Only expenses arising from damages incurred during the reservation and paid for remediation occurring within 30 days subsequent to the reservation are eligible for reimbursement.
• The aggregate reimbursement for Covered Losses related to client property and cat injury described above is collectively limited to $10,000 regardless of the number of claims or claimants. However, in all cases reimbursement will not exceed the lesser of the cost of replacement or the cost of repair, at Meowtel’s sole discretion.

(b) Specific Exclusions.

The following are not eligible for reimbursement:

• Damage to the Client’s own personal property caused by the Client’s cat in the absence of negligence by the Cat Sitter;
• Ordinary wear and tear, meaning deterioration that occurs under normal use and conditions.
• Loss due to intentional or criminal acts, including theft of property or cat.
• Currency, money, precious metal, securities or negotiated instruments.
• Food, consumables and other perishables.
• Fine art or heirlooms, including but not limited to paintings, art glass windows, valuable rugs, antique furniture or jewelry, collectibles, and other similar property of rarity or historical, archival or sentimental value.
• Electronic Data.

5. Agreements of Cat Sitters and Clients

(a) Inspection of Loss.

You agree to produce or make available for inspection all evidence of loss, damage, cost, ownership or other claim-related information.

(b) Legal Compliance.

Cat Sitters are solely responsible for carrying insurance sufficient to comply with legal requirements in the jurisdictions where they provide services. The Meowtel Guarantee does not suffice for that purpose. Meowtel does not verify whether Cat Sitters have obtained insurance, and Clients are advised to inquire directly with Cat Sitters about this subject.

(c) Claim Settlement.

Meowtel may condition final payment of costs under the Meowtel Guarantee on execution of a Guarantee Settlement Agreement, including a release of claims against Meowtel or any other applicable party and an obligation to keep confidential the reimbursement amount and circumstances.

(d) Offset; Subrogation.

Amounts payable under the Meowtel Guarantee are in excess of any insurance coverage or insurer payment. Meowtel reserves the right to offset or deduct from amounts payable to you any amounts it may have or obtain from any other person or entity obligated to compensate for Covered Losses. Meowtel and any of its insurers have the right to subrogate against any person or entity allegedly responsible for causing the losses in question, even if that person or entity is you. You hereby agree that, in connection with any payments made hereunder, you will cooperate fully with Meowtel in its efforts at subrogation.

(e) Amendment; Termination.

Except as prohibited by law, Meowtel may modify or terminate the Meowtel Guarantee at any time, and such modification or termination will apply to incidents occurring after the effective date of the modification or termination. Meowtel also reserves the right to modify the Meowtel Guarantee to the extent required to comply with applicable law, including in the event that a regulatory authority determines that Meowtel must obtain any license or other governmental permission to provide the Meowtel Guarantee. In addition, you acknowledge and agree that all benefits made available to you under the Meowtel Guarantee shall immediately terminate in the event you initiate any action, suit or claim against Meowtel or its officers, directors, employees, contractors, agents, or affiliates, concerning a claim otherwise subject to reimbursement under these Meowtel Guarantee Terms.

(f) No Waiver.

Meowtel’s failure to enforce any right or provision of these Meowtel Guarantee Terms will not constitute a waiver of future enforcement of that right or provision. The waiver of any such right or provision will be effective only if in writing and signed by a duly authorized representative of Meowtel.

(g) Disclaimers, Limitation of Liability, Arbitration.

You acknowledge and agree that any claims arising from or in relation to the Meowtel Guarantee or these Meowtel Guarantee Terms are subject to the Meowtel TOS, including warranty disclaimers and (except for Meowtel’s obligation to pay amounts pursuant to an approved reimbursement request made hereunder) the Limitation of Liability set forth in the Meowtel TOS. You further acknowledge and agree that any dispute or claim relating in any way to the Meowtel Guarantee will be adjudicated in accordance with the applicable manner set forth in the Meowtel TOS.