Dog Hydrotherapy Insurance
Insurance for dog hydrotherapy from only £5.41* per month.
- Protecting over 30,000 pet care professionals.**
- Flexible payment plans at 0% APR
- Public Liability up to £10 million
- Vet bills & equipment covered
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From £5.41* per month
What does dog hydrotherapy insurance cover?
As a dog hydro therapist, our insurance is designed to protect you from the unique risks you may face in your line of work. Public liability cover comes as standard, and you can tailor the level of protection to suit your specific services, whether you’re working from a hydrotherapy centre or visiting clients’ homes.
We offer specialist options such as equipment cover for items like underwater treadmills or therapy pools, care, custody and control to protect you if a dog in your care gets injured, and personal accident insurance to support you if you’re hurt while working. All of this is customisable to meet the exact needs of your business.
Whether you’re running a small hydrotherapy practice or offering it alongside other services, our experienced customer support team is here to help you choose the right cover and answer any questions.
Our policy also includes 11 pet care activities at no additional cost, such as dog walking, grooming, training, and of course, dog hydrotherapy, so you’re covered if you expand your services in the future.
Make sure you have the correct insurance for the activities you offer and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Loss of Keys
Care, Custody & Control
Equipment
Close Family Extension
11 Pet Care Professions Covered
- Dog hydrotherapy
- Dog walking
- Dog and cat grooming
- Pet home boarding, Pet Sitting and Pet Minding
- Pet taxi and Pet Transportation
- Dog training and Pet behaviourist
- Pet microchipping
Public Liability
- Up to £10 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged, whereby you or your business is responsible.
Loss of Keys
- Key Cover up to £10,000.
- Cover includes new keys and locks, the cost of re-setting intruder alarms and associated call-out costs if you were to lose them.
Care, Custody & Control of Animals
- Cover up to £100,000 – £25,000 limit for any one Animal.
- If an animal in your care (or your staff) is: Accidentally lost; Suffers an injury; Becomes ill; Suffers a fatality.
Equipment
- £250 of equipment included.
- Add up to £30,000 of equipment cover.
- Grooming, training and other business tools covered.
- Protection against theft, loss and accidental damage, allowing you to replace items to the value you select.
Non-Negligent Cover
- Similar to the Care, Custody and Control protection If an animal suffers during the course of service delivery through no fault of your business:
- Accidental loss, Injury & Illness, Death of an animal in your care.
Close Family Extension
- Close family members are covered within the Public Liability, to assist you with your business. This includes your husband, wife, son, daughter or other close family.
- You don’t need to take out Employers’ Liability with this extension.
Loss of Money
- Cover for losses up to £1,000 or £5,000 of physical money (coins or notes) obtained through your insured activities. This money is covered while at your business premises, your home, or the home of any partner, director, or authorised employee, as well as when in transit for business trips.
- Up to £1,000 of cover for losses due to dishonest acts by any employee. Claims must be made within 14 days of discovering the loss, and you should take all reasonable steps to prevent such losses.
Travel Expense Reimbursement
- If a pet in your care is accidentally killed, stolen, or goes missing for more than 48 hours, we’ll cover the owner’s extra travel expenses. So, if the owner has to cut their holiday short because of their pet’s death, for example, we’ll reimburse up to £1,000 of their extra costs.
Employers’ Liability
- Up to £10 million of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Legal Expenses
- Up to £100,000 indemnity for legal defence and tax protection.
- Access to 24-hour helpline, for legal, tax, or counselling, to support you in running your business.
Professional Indemnity
- Up to £1 million.
- This protects you from damages caused by your mistakes, errors, or negligence in your professional work, including those made by your employees.
Personal Accident
- Up to £25,000, subject to those insured being under eighty (80) years of age.
- This policy covers specified individuals for any accidents that may occur while conducting the insured business activities. It is a benefit policy that provides fixed amounts based on the type of injury sustained, including coverage for accidental death, loss of sight or limbs, and temporary total disablement.
- Dog walkers are limited to walk a maximum of 6 dogs at one time.
- Dogs or crossbreeds of dogs classified under the Dangerous Dogs Act 1991. Refer to government websites for updates in the law.
- Pre-existing medical conditions in animals.
- Injuries to animals you own can occur during incidents that happen while caring for other animals or during your personal time.
- Caring for non-domestic animals.
- Your business operating without a licence when a licence is a mandatory requirement e.g. animal boarding.
For further information on exclusions in your cover please refer to policy documentation.
Why do you need dog hydrotherapy insurance?
Working as a dog hydro therapist provides valuable therapeutic support to dogs recovering from injury or managing long-term conditions, but it also involves unique responsibilities and risks. From handling dogs in water to using specialist equipment, there’s always the potential for something to go wrong.
Even if the dog’s owner has their own insurance, you’re liable for the animal’s wellbeing while it’s under your supervision. An unexpected incident, whether a dog slips getting out of the pool, reacts unpredictably during treatment, or equipment fails, could lead to a costly claim.
That’s why having dedicated dog hydrotherapy insurance is essential. It gives you peace of mind and financial protection in case of accidents, injuries, or property damage. Here are a few examples of how insurance can safeguard your practice:
Protect against claims if a member of the public gets injured.
Working with dogs in a hydrotherapy setting means dealing with wet floors, large equipment, and sometimes unpredictable behaviour—any of which could lead to a member of the public getting hurt. For instance, a client might slip while helping their dog out of the pool, or a dog could knock someone over during treatment.
Public liability insurance helps cover you if a claim is made due to injury or property damage involving a third party while you’re providing your service.
Help with vet costs if a dog is injured in your care.
Even with the best safety measures, accidents can happen—like a dog pulling a muscle during hydrotherapy or slipping while exiting the pool. If an animal suffers an injury while under your supervision, you may be held financially responsible for treatment.
Care, Custody, and Control cover helps protect you in case a dog becomes ill, is injured, or even dies while in your care.
Cover your family if they help with your hydrotherapy work.
If a close family member supports your dog hydrotherapy business—whether helping with admin, handling dogs, or assisting in sessions—they’re automatically included in your policy and don’t require separate liability cover.
However, if you hire someone outside your family, employers’ liability insurance is legally required and protects you from the financial consequences of a workplace injury claim.
Protect expensive hydrotherapy equipment.
Specialist hydrotherapy tools—like underwater treadmills, resistance pools, and lift systems—are a big investment. If your equipment is damaged during a session or while in transit, repairs or replacements can be costly and may impact your ability to treat clients.
Hydrotherapy equipment cover ensures you can quickly recover from damage or breakdowns, helping you keep your sessions running smoothly and professionally.
Our experts explain why...
“As a dog hydrotherapy specialist, you provide essential rehabilitation services for animals recovering from surgery, managing chronic conditions, or improving fitness. Pet Hydrotherapy Insurance offers crucial protection against the unique risks associated with this specialist therapy. Consider the potential liabilities if an elderly dog sustains an injury during a session, an animal experiences respiratory distress in your pool, or expensive equipment malfunctions causing damage to your facility.
Additionally, the combination of water, electricity, and sometimes vulnerable animals creates distinctive hazards requiring specific cover. Without proper insurance, a single incident could result in substantial financial claims and damage to your professional reputation. Our tailored Pet Hydrotherapy Insurance addresses these specific concerns, allowing you to focus on improving animal wellbeing with the confidence that your business is properly protected.”
Mandy Czyz, Protectivity Underwriter
How much does dog hydrotherapy insurance cost?
At Protectivity, our dog hydrotherapy insurance starts from just £5.41* per month – tailored protection without a high price tag.
The price of dog hydrotherapy insurance will depend on how your business is set up. Factors such as whether you run a mobile service or operate from a clinic, the types of treatments you offer, and whether you employ staff can all influence the cost. If you have employees, you’re legally required to include employers’ liability cover, which will add to your premium.
Prices from
£5.41* a month
Explainer quote
Policy cost
£5.41* a month
Policy type
Pet Business Insurance
Policy duration
Annual
Public Liability
£1,000,000
Care, Custody and Control
£100,000
Loss of Keys
£10,000
Equipment cover
£250
Close family cover
Included
This example is based on a real quote from our website on 30/5/25. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your dog hydrotherapy insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
Does insurance include coverage for hydrotherapy equipment stored off-site?
Yes, as long as it is locked away in a safe and secure building made from stone, concrete, brick or slate.
Can coverage be extended temporarily for special events or demonstrations?
We can cover you to attend an event if you are not the organiser and you are just there to promote your business that we are covering you for.
Is cover provided for animals experiencing allergic reactions during treatments?
Yes, this can be covered under care, custody and control.
Are equipment maintenance costs covered by my policy?
No, this is not covered.
Does the insurance cover hydrotherapy treatments conducted outdoors?
Yes, as long as the surrounding is safe and secure on where you will be conducting hydrotherapy.
What are the policy exclusions specific to pet hydrotherapy services?
We cannot cover if the owners get into the pool with the animals.
Is there a maximum number of pets covered per session?
Whilst we do not have a stipulation on how many animals, we recommend you minimise any risk hazards, and do not take more animals than what you are comfortable with.
Does insurance cover accidental contamination or hygiene incidents in hydrotherapy facilities?
We can cover if the animal was to become ill whilst in your care due to contamination.
Am I insured for providing hydrotherapy to pets recovering from surgery?
We will not cover if they become worse in your care because of their surgery.
Are animals covered during transit to and from hydrotherapy sessions?
Yes, we cover for pet transportation. Should an animal become injured whilst being transported, they will be covered. You will still need to make sure you have suitable motor insurance for business use
What documentation will I receive with my pet hydrotherapy insurance?
When you purchase the policy, you will be emailed your policy schedule documents and your proof of cover straight away.
Does my policy cover emergency veterinary costs arising during hydrotherapy sessions?
Yes, we can cover if they had to attend an emergency vet.
Am I insured if I offer complementary treatments like massage alongside hydrotherapy?
No, we do not cover for anything that falls outside of the following activities-
- Dog Walking (For walking up to six dogs)
- Dog and Cat Grooming
- Dog Hydrotherapy
- Dog Training
- Pet Behaviourist
- Pet Boarding
- Pet Microchipping
- Pet Minding
- Pet Sitting
- Pet Taxi
- Pet Transportation
Is coverage available for mobile pet hydrotherapy services?
Yes, we can cover you to operate anywhere within the UK. Whether this be at home, mobile, at a clients home or at a commercial building.
Does my insurance cover damage to clients’ property during treatments?
Yes, we cover for public liability. This is any injury or damage to a third party or their property in relation to your business operation.
Can additional staff or assistants in my hydrotherapy business be covered under my policy?
Yes, we can cover them under employers’ liability. Whether they be full time, part time, volunteers or work experience.
Am I covered for loss of income if my hydrotherapy equipment breaks down?
No, we do not cover for loss of income if you are unable to do your job due to the equipment breaking.
Do I need special qualifications to be insured for pet hydrotherapy?
Whilst it is not a mandatory requirement at this current time to have a UK accredited qualification, you can still obtain one to enhance experience and skill. If you are ever unsure on whether you need a qualification, please do contact your governing body.
Are there restrictions on breeds or types of animals covered by the policy?
We are unable to insure any dogs on the dangerous dog’s act list. We can also not insure you to look after any non-domesticated animals.
Is my hydrotherapy pool and specialist equipment covered against water damage?
Only if the pool is free standing. If the pool is fixed into the floor, then this would be part of the building and under the building insurance.
If your business uses specialist equipment which was specifically purchased for use whilst carrying out your business activities, this will be covered under this section. (This includes technical or computer equipment, mobile communication devices, stock, or tools of the trade).
If the equipment was damaged, lost, or stolen during the period of cover, the insurer will cover the cost of repair or replacement of that item, up to the limit shown in the Schedule. (We can increase the level of cover to up to £30,000)
Does the policy cover pets with pre-existing health conditions receiving hydrotherapy?
Unfortunately, we can not cover for pre-existing conditions if an incident was to occur. We can still cover them should they become injured whilst in your care if unrelated to the pre-existing condition.
Discover more from Protectivity
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 01/10/2024. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 1st Jan ’24 to 31st Dec ’24
ˆ10% discount for policies bought online and applies only to the first-year of your policy premium. This discount does not apply to the optional “Legal Expenses” benefit. Protectivity reserves the right to amend or withdraw this offer at any time. Available to UK residents only.
¹Based on live Feefo data