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

9.5 Out of 10
60 Days 1 Year Lifetime
Rating 9.4 9.7 9.5
Count 7 35 49

Hartville Pet Insurance

10
Out of 10
Recommended
Posted: 03/07/2019
By:
Ed Gorman

Love their staff and the ability to submit claim paperwork online is a time saver. I am happy with their coverage and turnaround on claims.

Injury/illness

Ear Problem

Claim Amount
Under $100
Breed

Shih Tzu

Age of Pet
1 - 8
9
Out of 10
Recommended
Posted: 02/18/2019
By:
Angela B.

We are so glad that we decided to get pet insurance for our 7 year old rescue dog. We've spent thousands of dollars on our dog in the last 8 months! and luckily our Hartville policy reimburses 90% of eligible costs after a $250 deductible. Two weeks after...

Injury/illness
Chronic arthritis
Claim Amount
Over $1000
Breed

Mixed Breed

Age of Pet
1 - 8
10
Out of 10
Recommended
Posted: 02/11/2019
By:
Rebecca

Hartville was slightly delayed processing my initial claim. I called and immediately was connected to a very helpful employee who promised to expedite my case and surely did! The claim was processed within 3 days and since that day all of my other claims...

Injury/illness
Claim Amount
$500 - $1000
Breed

Chihuahua

Age of Pet
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.

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.