If the dog is injured on a walk whilst being borrowed, the medical expenses are covered (so long as they aren’t covered elsewhere).
A borrower, who is a Premium Member, is insured if an incident occurs while taking care of a dog, whose owner is a Premium Member.
If the borrower is a Premium Member, but the owner’s membership has lapsed, neither party are insured when the borrower takes care of the dog. Equally, if the borrower is not a Premium Member while taking care of the dog, neither owner nor borrower are insured, during the time the borrower takes care of the dog.
Note: we still recommend that Owners take out their own pet insurance for damage to their own dog and veterinary expenses which result from accident or illness occurring when the dog is not in the care of a Borrower.