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. 

Average customer rating

8.9 Out of 10
60 Days 1 Year Lifetime
Rating 9.3 9.0 8.9
Count 4 12 13

Hartville Pet Insurance

8
Out of 10
Recommended
Posted: 02/20/2018
By:
Belle (Casco's fur mom)

I wasn't sure I knew enough about pet insurance, but when our family dog needed ongoing care then emergency treatment, I made myself a promise to learn more! When I adopted Casco, a lab mix from the south, I immediately ensure he had coverage. I didn't...

Injury/illness
TPLO surgery for ACL tear
Claim Amount
Over $1000
Breed

Labrador Mix

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 02/13/2018
By:
Lucie

I took a few months to THOROUGHLY review a few insurance carriers/plans and I am VERY PLEASED to have chosen Hartville. Your agents are very friendly, knowledgeable and professional. Your response time to reimburse me for a claim was completely...

Injury/illness
Claim Amount
$500 - $1000
Breed

Saint Bernard

Age of Pet
Under a year
10
Out of 10
Recommended
Posted: 01/30/2018
By:
Sandra

I like having the peace of mind knowing my fur baby is covered if I ever need it. I did not have insurance for my beloved Gabby girl when she got sick. After paying $5k in medical expenses I ran out of money and could not afford another medical...

Injury/illness
Wellness care
Claim Amount
Under $100
Breed

Chihuahua

Age of Pet
1 - 8
9
Out of 10
Recommended
Posted: 12/26/2017
By:
Steven

Puppy got unexpectedly sick with multiple conditions and while not serious, required multiple visits to the vet for constant monitoring and adjusting of medication. They handled the claims with no issues and checked in to see how my puppy was doing.

Injury/illness

Gastritis/vomiting

Enteritis/diarrhea

coughing
Claim Amount
$100 - $500
Breed

Pembroke Welsh Corgi

Age of Pet
Under a year
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 injuries or preventive care. Coverage begins 14 days after date listed on policy for illnesses and knee/ligament conditions.

Exclusions

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

Hartville Pet Health Insurance has three 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.

Accident-Only coverage available.

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.