Hartville | Pet Insurance Review

After months and months of providing them copies of invoices, that were mailed, and emailed twice to the claim supervisor Sharon, there is still nothing happening other than their stupid email that says We are working on it, expect delays". Well, tell it to the State Insurance Board, the State Attorney General and our lawyers, that if you have a complaint against this company (that is owned by Crum & Forster Company and offered through PTZ Insurance Agency, LTD / Fairmont Specialty Insurance Agency and underwritten by United States Fire Insurance Company. I am tired of spending hours on the phone, and emails, and then being billed monthly for absolutely no service! And, get this now they will not allow myself or my husband to log into our account. After trying again today for an hour on the phone, using 2 different computers, 2 different phones, different passwords and this has gone on for months. Then the invoices I have sent to them they do not apply to our pets deductible because they say they never receive them, so we never get reimbursed! This company is scamming people left and right. Currently they owe us over $1220 dollars. DO NOT USE ANY OF THE PET INSURANCE COMPANIES OWNED BY THIS CRUM & FORSTER. Marc Adee is Chairman and Chief Executive Officer and will be hearing from many many clients.

Hartville is a great deal, they’ve been covering 80% of my cats illness injury claims. It’s good because he’s a senior cat and sometimes it can be a challenge finding someone to insure him. I’m saving a lot of money by having this insurance. My only issue is sometimes the app in the website can have glitches that make it hard to login.

My dog had insurance from age 1 (when I adopted her from the shelter with no medical issues or records). I immediately bought insurance with 24Hr PetWatch and they were great. I took her for her first vet appointment after adoption around 45-60 days later for just a general check and she was diagnosed with hip dysplasia. It was NOT deemed pre-existing because she hadn’t been diagnosed prior and it was an incidental finding during her wellness exam. She also should ZERO symptoms. 24Hr PetWatch sold out to this shady company who when attempting to reinstate my policy (at double my original premium mind you), cannot guarantee that her hips will be covered. Saying that “I can’t say if it will be covered since it may be related to knee or ligament problems in which case it would not be covered.” What the heck does that mean? I am a physical therapist and a knee is a knee and NOT related to the hip dysplasia (which was a congenital issue not an injury). Consider yourself warned! Look elsewhere for coverage!

I have no complaints for them covering accidents other than the rate increases every year (a lot), 20%) and the fact that they don't cover chiropractic care unless it's done by a licensed veterinarian or under the supervision of a vet. You will NEVER find a vet who does chiropractics nor will a vet stand there while a chiropractor does their manipulation. And there are other therapeutics they won't cover unless it's done by a vet. Vets do acupuncture, but none of the other things such as trigger point therapy. So beware. I was told by Hartville when I was switched from another insurance company that they cover chiropractic care, but they never said it had to be done by a licensed veterinarian.

We got a new kitty and I got pet insurance with Hartville just in case. I never expected to have to use it until his older age, but unfortunately he got very ill and the vet bills were seriously daunting if it hadn't been for the peace of mind of insurance. Hartville processed the claim smoothly and we got reimbursed per our policy. I am so grateful for the relief that we were able to provide our kitty the care he needed without worrying about huge vet bills.