Real Health Coverage for the People Walking America's Dogs
Rover and Wag don't give you benefits. Neither does your private client roster. But you still need a primary care doctor, a dentist who answers when you chip a tooth on a leash handle, and a plan that covers you when you slip on ice during a 6am walk and tear your meniscus. Paw & Plan Health builds coverage around platform pet pros — ACA plans calibrated to gig-economy income, plus accident riders that pay you cash when a dog pulls you down.
Built for Platform Pet Pros
Full-time Rover and Wag sitters
We model your subsidy on your actual 1099 income net of deductions (mileage, supplies, share of phone bill). Most full-time platform sitters qualify for Silver plans in the $40–$120/mo range.
Hybrid pet pros (walking + house sitting + boarding)
Mixed income, multiple platforms, sometimes a W-2 side job. We aggregate everything into one MAGI estimate and quote a plan that covers you no matter which gig you're working that day.
Established private-client sitters
Higher income, no employer plan. Often best served by a Bronze or Silver HSA-eligible plan that lets you save pre-tax for medical and dental.
The Risks Pet Sitters Underestimate
- Dog-pull falls causing wrist fractures, ACL tears, and concussions
- Cat scratch infections and dog bites requiring ER visits and follow-up
- Outdoor exposure injuries — heat exhaustion, frostbite, slip-and-falls on ice
- Driving-between-visits risk on days you're handling 8+ walks
- Mental health load of after-hours emergency client calls
What Pet Sitters Typically Pay (After Subsidies)
Ready to see your options?
Answer a few quick questions and a licensed advisor will email your personalized plan options within one business hour. 100% free, no obligation.