Caring for pets is rewarding, but it’s also physical work. Pet sitters and dog walkers deal with strong dogs, changing weather, and busy streets. Accidents can happen at any time. Here’s what can go wrong, how much it might cost in medical bills, and how much income you could lose if you can’t work.
1. Dog Bites
What can happen: Even friendly dogs may bite when scared or protecting their food or toys.
Injuries: Punctures, torn skin, or nerve damage.
Average medical cost:
- Minor bite: $400–$1,000
- Serious bite needing stitches or surgery: $2,000–$10,000+
Lost income:
If you can’t take bookings for a week, that’s $200–$300 lost. A month off could cost $1,000–$1,500+.
2. Slips, Trips, and Falls
What can happen: Wet footpaths, pulling dogs, or uneven ground cause many falls.
Injuries: Sprained ankles, broken wrists, or hip bruises.
Average medical cost:
- Sprain: $300–$800
- Fracture: $3,000–$7,000
Lost income:
One to four weeks off work can mean $200–$1,200 lost.
3. Back or Shoulder Strain
What can happen: Picking up pets or being pulled by a large dog.
Injuries: Muscle strain, ligament tears, or slipped discs.
Average medical cost:
- Physiotherapy and medication: $500–$1,500
- Serious back injury: $3,000–$10,000+
Lost income:
A few days to several weeks off — $150–$1,500.
4. Dog Fights or Cat Scratches
What can happen: Two dogs clash at a park or a cat lashes out.
Injuries: Cuts, punctures, and infections.
Average medical cost:
- Basic treatment: $200–$800
- Deep wounds needing stitches: $1,000–$3,000
Lost income:
A week off could mean $200–$300 in lost work.
5. Road or Bike Accidents
What can happen: A dog pulls suddenly, or a car or bike doesn’t stop in time.
Injuries: Broken bones, concussion, or internal injuries.
Average medical cost:
- Moderate injury: $5,000–$15,000
- Major accident: $20,000–$50,000+
Lost income:
Weeks or months off work could cost $2,000–$10,000 or more.
6. Heatstroke and Dehydration
What can happen: Walking dogs in hot weather without enough shade or water.
Injuries: Dizziness, fainting, muscle cramps.
Average medical cost:
- Mild case: $300–$800
- Severe case needing hospital care: $3,000–$6,000
Lost income:
1–2 days off work — about $50–$100.
7. Allergic Reactions or Infections
What can happen: Reaction to flea bites, pet dander, or cleaning products.
Injuries: Rashes, breathing problems, or infections.
Average medical cost:
- Mild reaction: $150–$500
- Severe reaction: $2,000–$5,000
Lost income:
Usually $100–$300.
Why Pet Sitters and Dog Walkers Need Insurance
A single accident can cost thousands in hospital bills and weeks of missed income. Public liability insurance and personal accident insurance protect workers if something goes wrong.
Before accepting jobs, always make sure you are police checked and covered by insurance. It builds trust with pet owners and protects you financially.
Safety Tips
- Meet new pets with their owner present the first time.
- Use secure, well-fitted harnesses and leashes.
- Avoid walking in extreme heat.
- Keep a small first-aid kit and charged phone.
- Know where the nearest vet and urgent care clinic are.
Final Word
Pet sitting and dog walking are great ways to earn income if you plan ahead. Be careful, get insured, and take safety seriously. There is only one you. One smart step now can save you thousands later.
