Hartville | Pet Insurance Review

4.5

out of 5

Number of reviews 179

Hartville Pet Health Insurance is committed to making veterinary care more affordable for pet parents. Its Complete Coverage plan covers accidents, injuries and illnesses, and features a simplified reimbursement based on percentage of invoice. Learn more about Hartville’s plan options, read customer reviews and get a quote so you can make an informed choice about your pet insurance provider.
1

out of 5

POSTED: | BY: Janis

Very Disappointed with the Transition to Hartville

I carried pet insurance for my last seven dogs through 24PetWatch and was always satisfied with the coverage and service. Unfortunately, when they discontinued their insurance program and transferred my policy to Hartville, my experience changed significantly. Since the transition, my premiums have increased while my coverage appears to have decreased. Items that were previously covered — such as supplements and prescription diet food — are no longer being reimbursed. In addition, customer service has not been helpful, which has added to my frustration. With one senior dog and another managing seizures, changing providers isn’t a simple option for me. I truly expected a smoother transition and comparable coverage. I hope Hartville will take steps to improve both their coverage consistency and customer support for long-time policyholders.
4

out of 5

POSTED: | BY: Melissa

Quick, Easy Claim Process

My dog was previously with 24 Pet Watch for 8 years and recently switched over to Hartville. Our experience so far has been great. Yes, my premium increased quite a bit as I've seen others comment on in their reviews, but my dog has some chronic health issues, so the annual policy limit is still very much worth the premium increase since her health issues are pretty unpredictable. Submitting a claim is super easy, and my experience has been that processing time has been right around a week, and the direct deposit for reimbursement is very smooth. I'm very thankful for that!
1

out of 5

POSTED: | BY: Matt

Bad business

I would not recommend trusting this company with your pets. I have successfully filed claims with this company, although they rarely reimbursed the rate that I was charged. This year my premium more than tripled to $255 a month after being a customer for nine years. I received an email that my rate may be increasing, but I had to dig into the website to find any dollar amount by that point it was too late. Again, I would not recommend trusting this company with your pets.
1

out of 5

POSTED: | BY: Melanie

Bad business practices

We received a notice that our 24hour Pet Watch was transferred to Hartville - they downgraded our coverage and tripled our monthly premium for the two cats from $137 to $392. There is no account information, no way to see details. We received no notice prior to this email. We can’t even cancel the insurance. That this is legal in the US speaks leagues to why everyone is so pissed off. Businesses are run poorly and they cover their lack of management ability by treating their customers poorly, overcharging while failing to provide value and engaging in other unscrupulous behavior.
1

out of 5

POSTED: | BY: Jason

Dog owner

This is by far the worst insurance company to ever work with. They make it virtually impossible to file a claim, their website does not allow for uploads, and they will not process claims without. The email link they send doesn't work! They are a scam and a fraud and I would cancel or not apply! All my money was wasted making them rich while I never got reimbursed except 25 dollars the first well exam. After that I've never been able to actually complete and file a claim !
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Monthly Cost

Rates start at: $10 (for accident only), $16 (Complete Coverage). Rates vary based on species, age, breed, and location.

Coverage

The pay-out amount is based on the actual vet bill, at a rate pre-selected by the customer: 90%, 80% or 70%

Payout Limits

Annual limits can be set by the customer, ranging from $2,500 to $20,000, including an unlimited option.

No lifetime limits.

Deductible

$100, $250 or $500 annually.

Age Limits

No upper age limits. Pets must be at least 8 weeks old to enroll.

Waiting Period

There are no waiting periods for preventive care. Coverage begins 14 days after date listed on policy for accidents, illnesses, and knee/ligament conditions.

Exclusions

Pre-existing conditions, cosmetic procedures and breeding costs are not covered.

Hartville Pet Health Insurance has two Preventive Care plans that can be added to help cover a pet’s wellness care, including annual exams, vaccinations, tests, dental cleanings and flea/heartworm preventive. Preventive Care plans reimburse up to a set amount for each listed treatment.

If your pet exhibited symptoms of a knee and ligament condition at any time, prior to enrollment or during a waiting period, all ligament and knee conditions will be excluded. Ligament and Knee are conditions involving a ligament, patella, meniscus or soft tissue disorder of the knee.

Accident-Only coverage available.

Provider website

Hartville Pet Health Insurance, provided by Crum & Forster Pet Insurance Group through its licensed agency, C&F Insurance Agency, Inc., is committed to improving animal care across the U.S. by making veterinary care more affordable for pet parents.

Its Complete Coverage(SM) plan covers accidents, injuries, illnesses and more, and features simplified reimbursement based on percentage of invoice.  Preventive Care is available at an additional cost.

Provider website

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